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

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX never late XXXX   XXXX never late XXXX  XXXX not mine XXXX 08 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$300.00} not mine 08 XXXX XXXX XXXXXXXX XXXX XXXX   XXXX {$450.00} not mine 10 XXXX XXXX XXXX XXXX {$0.00} not mine 12 XXXX XXXX XXXX XXXX {$4700.00} not mine 12 XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX XXXX {$1500.00} not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as in not accurate, XXXX.
Product: Mortgage

Pennymac set up repayment plan payments to start XX/XX/2019 

XX/XX/2019 I paid XXXX XX/XX/2019 I paid XXXX, received by pennymac by overnight mail on XX/XX/XXXX, did not post until XX/XX/XXXX. XX/XX/2019 I paid XXXX   sent overnight, pennymac claims check not received as of XX/XX/2019, not posted. 

This is second time pennymac not posting payments as of date received. All payments are made by cashier checks from bank, I have copies. Got letter from them I defaulted because missed payment when in fact payment was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have seen XXXX XXXX XXXX has been sued for these types of things in the past I WOULD LIKE THIS ACCOUNT DELETED IMMEDIATELY OR BROUGHT BACK TO A CURRENT STATUS I HAVE MISSED NO PAYMENTS ON MY ACCOUNT According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies Attached to the complaint None of my credit reports match up and this has had a negative impact on my life Account : XXXX XXXX XXXX XXXX
Product: Credit reporting

Original dispute case number XXXX, XXXX Attorney General reports false data to my credit report on Equifax and it is reported twice as a duplicate.. below is the history of the report, i have never been late, and should not have been reported, also date of late payments keeps changing to favor the grantor, shows late 150 day between XXXX & XXXX XXXX, XXXX to XXXX do n't have 150 days. this is wrong and false i have never been late. 

this report should be deleted in accordance with FTC rules for fair credit reporting same account being reported twice & is duplicated Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX N/A XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Viewed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired
Product: Mortgage

SPS On a previous complaint dismissed any delays of receipt of mortgage statement to mail delays. The Mortgage statement dated XX/XX/XXXX, which they stated on previous inquiries are mailed out same or next day, was not received until XX/XX/XXXX. This only allowed for 4 calendar days to receive a statement and send out payment by due date of XX/XX/XXXX. The timelines mean that the USPS is taking 13 days to deliver mail from this servicer. All other mailed statements from any other biller do not have this delayed timeline. I believe that SPS is delaying statements in order to increase the likelihood of late payments and increase their servicing profits. While I have not had any late payments due to their actions, their delayed statements are a violation of CFPB rules.
Product: Checking or savings account

I am writing this to formally file a complaint Regarding multiple overdraft fees applied to my account. These fees were assessed. Despite having significant funds available at the time the transactions were authorized, however, do to delayed posting of charges and credits I was unfairly charged overdraft fees This issue appears consistent with recent finding XXXX which identified similar practice by Navy Federal credit union where transactions settled with insignificant balance, despite initially having adequate funds i believe these practices are deceptive and unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY 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  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.
Product: Debt collection

I acquired some assets of a company, but not the entire company. Some debt collectors have attempted to collect debt belonging to that company, but have backed off as soon as they 've heard that I did not acquire the company. That has not been the case with Access Receivables. Yesterday I received 2 calls after explaining the issue to a XXXX XXXX at that company. Today he has called 12 times so far and it 's not quite XXXX. He has yelled at me multiple times and will not stop calling, even after I told him he was harassing me.
Product: Money transfer, virtual currency, or money service

I send money to my mom at XX/XX/2021, But until now my money not yet arrival, soppose to be if my number account wrong or name bank or the receiver wrong they can't send but my money they already take and when i sen email to then waiting until this coming XXXX,, Until now nothing respon any more
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Ohio XXXX & XXXX XXXX XXXX XXXX, Ohio XXXX is reporting incorrectly on this account. I demand that this inaccurate information be removed from my credit profile. I was a victim of identity theft on XX/XX/2017 XXXX XXXX XXXX. I sent Experian XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX copies of all reports several times, with no response other than verified that these items belong to me.. I have reported this on identitytheft.gov and also with all 3 credit reporting agencies. The two addresses have already been deleted from XXXX, and XXXX. This is a violation of 15 U.S.C 1681i ( 5 ) removal of all inaccurate/invalid credit. I demand that these items be deleted immediately. I have included my FTC Report credit report and documentation showing I was effective by the XXXX XXXX XXXX.
Product: Mortgage

I am a veteran. My husband and I were pre-approved by USAA and contracted to buy a home 3 weeks ago. We have submitted all supplemental items requested by the bank yet, we have not heard from our loan processor once. She apparently had some sort of situation and has been unable to address our loan. We were passed off to another loan processor who wouldn't respond to emails and then went on a week vacation without informing us, or having any sort of auto response to emails. She just disappeared for a week ( after several days of her not replying before she went on vacation to begin with ). We only found out when we called her manager to complain, who assured us our original loan processor was back. That was 5 days ago, still no word from her either. We need to have our loan commitment in 6 days, and we can't get ahold of any processor who is handling our loan. If we don't secure this loan in the next week we could lose our house. If they had an employee emergency and the alternate is too busy to help, someone should have told us that no one was handling our loan.
Product: Vehicle loan or lease

I contacted Hyundai in regards to my contract with them and see that they have been Unfair, Deceptive to me in several ways and also have abusive practices. Hyundai never explained to me that the finance charge does not include charges of a type payable in a comparable cash transaction. According to 15 USC 1605 ( a ) The finance charge is defined as the sum of all charges, payable directly or indirectly by the person to whom the creditor as an incident to the extension of credit and doesn't include cash. That's a violation/step to getting my down payment back. Hyundai never explained to me my right to cancel. According to TILA, I have/had the right to cancel. I was never given papers stating the " RIGHT OF RECESSION ''. I was required to put a down payment down or trade in. Hyundai did not give adequate notice. And according to the term " adequate notice ' as used in XXXX of this title means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning.Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 15 USC 1615 ( a ) ( 1 ) If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. According to 15 USC 1611 ( 1 ) anyone who willfully and knowingly gives false or inaccurate information or fails to provide information which he/she is required to disclose under the provisions of this subchapter or any regulation issued thereunder shall be fined not more than {$5000.00} or imprisoned not more than one year or both. Also, according to 15 USC 1662 ( 2 ) No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified downpaymentis required in connection with any extension of consumer credit unless the creditor usually and customarily arranges down payments in that amount.
Product: Credit reporting or other personal consumer reports

Delete this Charge-off ( XXXX XXXX account XXXX XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on XXXX XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2016 Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit card or prepaid card

I purchased {$2600.00} worth of Google Play gift cards ( {$600.00} from XXXX, {$2000.00} from XXXX ) on XX/XX/2021, unfortunately, at a request of a scammer who claimed to be my friend involved in a situation of a death due to XXXX XXXX I soon contacted Google support team who successfully blocked the gift cards, which means the gift cards are of no value. 

However, I'm not able to get refunded for the gift cards, as I was quoted with the nonrefundable gift card policy for Google Play gift cards. I would like to seek a fair treatment in this situation as my financial loss can be mended by Google out of consideration of the situation. Please help.
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I received an email from XXXX that I had made a payment of {$200.00} to XXXX XXXX . I immediately called Harris Bank to report this and close my debit card as this was a transaction that I didn't make, since I don't have an open XXXX account and don't know this individual. 

I was credited back the money pending a review of this transaction. I received notice from Harris Bank that they found this to be a valid transaction. Upon receiving this letter, I contacted XXXX to get additional information from them. 

When asked to review this dispute further, I received the same letter from XXXX XXXX stating " Please see the attached doc. '' He also included his supervisor XXXX XXXX on the email. When I attempted to contact them to request that the letter I received was one that was already sent to me, my email was rejected. 

After speaking with XXXX from XXXX on Friday, XX/XX/XXXX the individual who fraudulently used my debit card attempted another transaction in the amount of {$190.00} after my card was closed. The additional transaction was declined since my card had been closed. Obviously, I wouldn't call and close my card after the {$200.00} payment and then attempt to make another one right afterwards. 

I have not been able to reach anyone at Harris Bank. Each time I speak with someone from XXXX, they state that I need to send an email to the XXXX. I have done this several times and receive little to no response.
Product: Debt collection

Recovery Partners on behalf of XXXX XXXX contacted me XX/XX/2024 XXXX. Once at XXXX and the XXXX time at XXXX. 

The person is XXXX XXXX ( Or similar. It was hard to understand ). He called from XXXX. 

He claimed that the insurance company failed to subrogate and that they would be pressing charges with the state attorney generals office against my XXXX  if we did not pay an excess of {$10000.00}. He insinuated that my XXXX  could lose his XXXX XXXX as well. He is a XXXX XXXX and that is how we live so him losing his XXXX over this is not ideal and that he was also an XXXX  working on his XXXX. So I told him I would help clear this up so it does not impact him. The agent insinuated that if we dont pay that it would lead to this and in a result could impact my XXXX  ability to work and status ( XXXX ). 

I explained to him there must have been a misunderstanding because it was supposed to be subrogated with XXXX and XXXX ( our insurance company ) and if their was a failed attempt, we were not notified and could easily clear this up but contacting the employer, etc. I explained I had email correspondence from XXXX clearly showing our attempt to work with them and resolve this. 

I requested him what information he needed. Although he was not clear, from my understanding he needed the policy information for my XXXX  employer. I took notes and I said I would call back with that information. 

After looking into it, I discovered he had the wrong company name. It was misspelled and that the policy information was not properly notated in the policy report by the police officer. Although it was after hours, I called and left a voicemail to this agent with all the information I thought he needed to clear this up. I spoke to XXXX and they told me what information to give the representative so the claim could be subrogate. XXXX so no attempt to file a claim. So this was clearly a miscommunication error that could have been easily resolved. 

The agent then called me at XXXX claiming I was committing fraud and that he was holding off for XXXX months to move things forward. Again repeated the threats although I calmly explained what the error was and what needed to happen for XXXX to process the claim. He did not care. He was predatory, threatening, and harassing my after XXXX making me believe that my XXXX  and I would be in legal trouble for not paying them the money directly. 

I have since then contacted XXXX and discovered this agent is from a XXXX XXXX collection agency called Recovery Partners. The agent made it sound as if they were connected and a part of XXXX. This would explain what he wanted us to pay him {$10000.00} because XXXX would pull the account from the agency once they received the updated claim information. He was using extortion methods to scare me into paying him instead of helping us resolve the true issue. XXXX is working to remedy the account with XXXX  and would work on getting the claim pulled from collections.
Product: Debt collection

I received a letter from Wilbur & Associates, P.C. in XXXX, Illinois, claiming a debt of {$9900.00} was owed to them on behalf of their client. They claim that I was in an auto accident with the client on X/XX/2017. There is no accident report filed, and no proof given ( no report of the model of the car involved, license plate number, etc ). This is a bogus, scam claim. The company is threatening that they will send their documents to the state for review in order to get my license and registration suspended.
Product: Consumer Loan

WENT TO GET A NEW CAR AND XXXX SENT MY SSN NUMBER TO SERVAL BANKS WITHOUT MY CONSENT AND THEY MADE HARD INQUIRES ON Y CREDIT REPORT