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

TransUnion LLC, Legal Department XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attention : Office of General Counsel Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to privacy as a federally protected consumer. This entitlement is reinforced by the Privacy Act of 1974, specifically articulated in 5 U.S.

Code 552, which governs the disclosure of public information and the regulations pertaining to agency rules, opinions, orders, records, and proceedings. I am instructing your Financial Institution to DELETE UNVERIFIED INQUIRIES LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is effective immediately and indefinitely. 

TITLE VICONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. * * * * * * * COMPULSORY USE OF ELECTRONIC FUND TRANSFERS Sec. 913. [ 15 U.S.C. 1693k ] No person may * * * * * * * ( 2 ) require a consumer to establish an account for receipt of electronic fund transfers with a particular financial institution as a condition of employment or receipt of a government benefit. 
REMOVAL OF INACCURATE INQUIRES PER TITLE VI CONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) Sec. 913. [ 15 U.S.C. 1693k ] DELETE INNACURATE INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account 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 a account without my written instructions
Product: Mortgage

I have been working with Roundpoint Mortgage on a short sale for several months, after working with XXXX on a short sale for a few years. XXXX sold the loan to Roundpoint. The property in question is appraised at XXXX, I have an offer on the table for XXXX. After multiple rounds of providing tax returns, bank statements, pay stubs, and packets of forms including things like the uniform borrower agreement, Roundpoint continued to ask for more and more. Each time they would ask for a document I had already provided - but now they need it on different letterhead, or signed in a different place, or in a different font - it was getting ridiculous. I received a hearing to appear in court with 5 days notice. I appeared, and Roundpoint 's attorney did not. After much legwork it become apparent that the bank either did not confirm the hearing with the courthouse or canceled it, and I was of course not notified. I called the law firm on the summons, and found out the property was scheduled for auction the following Monday, and Roundpoint had not notified XXXX ( who was driving the auction I believe ) that I was actively working on a short sale. This was on Monday XXXX. The law firm looked up my case, and confirmed that if Roundpoint notified XXXX before the auction, they would postpone it. On XXXX, I found out that Roundpoint rejected the short sale offer back on XXXX and sent me a letter, which I have not yet received. The auction is now Monday morning - which leaves me no course of action. Throughout this process I have provided all reasonable documentation requests, while Roundpoint continued to change their requirements. I do n't understand why Roundpoint refuses to work with me. I do n't understand how they can just keep changing their requirements and rules to avoid having to accept any short sales.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I have sent a letter to dispute a late payment on XXXX of my accounts as the information is inaccurate or unverifiable. Pursuant FCRA 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ) the law states that the transactions and experiences are excluded from consumer report. The only time late payment can be reported is when ( FCRA ) 15 U.S.C 1666b ( a ) is met.

Besides that Experian failed to provide proof that creditor sent me a proof of delivery of the information required by law under ( FCRA ) 15 U.S.C 1666b ( a ) 21 days before the due date also failed to respond to my dispute within 30 days.

Experian is in violation of ( FCRA ) 15 U.S.C 1681 and after a dispute letter sent by be now in violation of ( FCRA ) 15 U.S.C 1681n as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many dispute letters and CFPB complaints do I have to send to the Credit Reporting Agencies for them to completey remove all the fraudulent information being reported on my Credit File? I have been disputing for the removal of the fraudulent accounts and information from my Credit File for quite a long time already, but the Credit Bureaus do not seem to be paying any attention to my requests! The Credit Bureaus continued reporting the disputed items and claimed to be verified without them sending me copies of proof of verification and or proof of ownership. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. However, in my case, the Credit Bureaus did not only continued reporting the disputed items, they even claimed that the items are verified. Their willful non-compliance with the Federal regulation is a clear violation of a consumer 's rights which is under the protection of the Fare Credit Reporting Act. I am submitting this CFB complaint to appeal to the Credit reporting Agencies to once again, take a deeper look with my Credit File and remove all the disptued fraudulent items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$53.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XX/XX/2022
Product: Checking or savings account

Hello, I was initially drawn to do banking with XXXX XXXX after learning about their high yield savings account and their " round up '' and " jars '' saving features for saving available through their application and provided with their spending account. I had no issues making an initial transfer of XXXX XXXX to the savings account and after my debit card arrived I decided to make the switch over to XXXX XXXX from my previous banking institution. I proceeded to update my billing information with subscriptions, loans and other bills that I have and I also updated my automatic deposit info from work. I also proceeded to transfer all of my funds ( XXXX ) from my checking account to XXXX XXXX and I also linked and transferred XXXX from my wife 's account to the savings, since we plan to consolidate our savings here. On Wednesday of last week ( XX/XX/XXXX ) an account restriction was placed on my checking account. When I tried to contact XXXX XXXX  via the live agent chat it was not available so I reached out to them via the only other means available, email. In response to my email I received and automated message stating that my account had been placed on a restriction and that it was likely due to having transferred funds from an external account which I did not own ( I'm assuming that would be my wife 's account which I linked through their application ). After I responded back to inquire about the approximate time it would take to remove the restriction, they replied back with the following automated message : Hi Thanks for reaching out! I'm going to transfer you to the correct team and someone over there will be able to help you out. They typically reply within 1-2 business days. You'll get a push notification and/or an email notifying you when they respond. 

Today is XX/XX/XXXX and I have yet to hear back from the " correct team '' which I'm assuming is their fraud department. I also sent follow up emails today to request an update to which I received the same automated response. I did call the number on their XXXX page which has an automated response and says they are only communicating via their chat ( which is no longer available ) and email. Today I also noticed that my transfers have been withdrawn from my previous bank account ( and wife 's ) but are still pending at XXXX XXXX  and I assume it is due to this restriction that they've placed. I've been forced to use credit while I wait and hope for a prompt resolution to this, but I'm afraid that will not be the case and soon I will start defaulting on payments to other institutions and become financially stalled due to this situation.
Product: Credit card or prepaid card

I was sent a possibly fraudulent email and entered in my information. Here is the link I was sent. No money has been taken yet but I am now worried that a possible breach may have occurred. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX discussed with my supervisor ( I also work for this bank ) about not taking my whole incentive this month ( the month of XXXX ) so I could afford my house payment to them. I made a typo and was told the whole incentive of {$720.00} would be taken. I requested a meeting with her supervisor/manager to see if they would show grace for the typo and not take the whole incentive. They allowed me to meet with the servicing manger who was very cold and aggressive towards me due to me stating how I would contribute to the banks delinquent due to not being able to make the payment this month if I didnt get the incentive. He looked me in my face and said well whose fault is that basically blaming me for not being able to make the payment and not asking any questions as to why I couldnt. I have a spouse who only contributes XXXX a month to my XXXX house payment. I also pay all other bills and costs associated with this house. I am doing my best to maintain the bills with very little help. Being told its my fault by the services of my mortgage I feel should not be okay for them to do. Why would you treat not only your borrower with that much disrespect but also your subordinate. They didnt take my whole incentive, I ended up with a little over XXXX from it, however I still did not gain any clarification on the incentive issue due to they do completely different from the incentive sheet that was handed out to us.
Product: Debt collection

This collection is from XX/XX/2012 From Ad Astra rec collection / charger off in the amount of XXXX XXXX they very unpleasant this company should not be allowed to be involved with anything they yelled at me called me a lier and treated to have me put in jail and I would really like to see if this can get removed from my credit account because it's 7 years old and I have had to change my number just to avoid there very rude and unpleasant phone calls
Product: Checking or savings account

I opened complaint XXXX to inquire about the shipment tracking number for the closure letter. HSBC claims it was sent on XX/XX/XXXX, But HSBC didn't send me the shipment tacking number till today Please provide the shipment tracking number so I can seek compensation from the carrier for the undelivered letter. The bank has refused to compensate me.
Product: Mortgage

I went into forbearance during the beginning of Covid and was told my account wouldn't receive a negative to credit reporting. I was told me, due to covid I was placed under forbearance, and Homebridge told me my account would not be reported negatively to the credit while in forbearance ; they reported me late, negatively impacting my credit score ; they then apologized and sent me a letter stating that they removed the negative reporting. I also paid them about {$15000.00} during my forbearance, which they told me. I also directed them to send my payments to cover my mortgage ; I went into my XXXX and took out all of my money and paid them so that my house did not go into foreclosure. They never paid the money to my mortgage payments. They couldn't find any payments I made for weeks at a time, The money was also to cover the beginning of my forbearance, so I should have never been reported as a negative account. They later told me they had my money in a suspension account and never paid any of the money I sent to pay my mortgage ; instead, they paid my taxes. 
They told me I still owed them about {$10000.00} more to pay toward my mortgage principal and interest, or I can stay in forbearance, which I obviously did not want to do ; I was paying them money sometimes {$6000.00} at a time entire pandemic. I extended my forbearance, and I had no money to pay them. My XXXX was wiped clean. I stopped paying any money after telling me I needed to extend my forbearance or pay an extra {$10000.00}. I had no money. They sold my application to another mortgage company after I extended the forbearance with them. I have no way to contact them now because my account number ceases to exist, and I can't ask for the letter that stated they fixed my credit report to reflect I was never late on a payment to have it removed. I'm ready to move on, and the negative credit reporting is holding me up. Please help, it's been a horrible year, and I would like to move on ; please help. They drained my XXXX, and now I can't even get a representative to help fix their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and blatantly ignored in my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 XXXX XXXXXXXX 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: Debt collection

I contacted Property Manager XXXX XXXX on XX/XX/XXXX via email ( attached ) and requested to go to a month to month lease, XXXX. She agreed in the return email to XXXX starting XX/XX/XXXX. I had a 3 month lease previously signed but Ms XXXX agreed to change to XXXX since the 3 month lease had not gone into affect. Rent was paid for 2 months and we moved out XX/XX/XXXX and dropped keys in office the following week. 
The management main office did not accept their agent 's word on this matter and want to charge me an additional months rent for the prior 3 month lease I had signed. 
I sent all this into to the main office and they claim the 3 month lease is the one on file despite the fact their Property Manager agree to the XXXX   I feel they owe me the security deposit- carpet cleaning= {$170.00} They claim I owe {$1800.00} for last month and utilities for that month even tho I had all utilities terminated and paid in full They have hired XXXX XXXX to collect debt. XXXX XXXX is calling and threatening my credit constantly. Even called my boss ' cell phone
Product: Debt collection

XXXX and XX/XX/XXXX ( 60 days ) Disputed XXXX XXXX with Veterans Administration. XXXX XXXX XXXX XXXX XXXX was Given Proper Billing information via Drivers License, XXXX  XXXX XXXX upon Entry to ER in XXXX of XXXX. Veterans Administration XXXX XXXX XXXX XXXX XXXX for 'Inpatient Treatment ' from XXXX XX/XX/XXXX thru Mid XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX sent bill to collections rather then VA Administration
Product: Credit card

I have an AMEX card with a due date of XX/XX/ and the amount due was {$40.00}. I paid {$41.00} via an electronic payment from my XXXX account on XX/XX/ and the money was deducted from my account on the same day ( XXXX  ). Today, I checked my account to see my updated balance and noticed a late fee of {$29.00}. I contacted AMEX through their messaging system in the AMEX app. I explained the situation with them and they said that the payment was late. I asked if there was an email for me to send proof that the payment wasn't late, and he said no. Then, the customer service agent asked if I wanted to file a waiver, and I said yes. Approximately 5-10 seconds later, he says that the waiver was denied because the payment was late. So, I contacted XXXX bank to confirm if the payment was delivered on time. The customer service agent with XXXX confirmed that the payment was deducted from my account on XX/XX/ and was delivered without issue on XX/XX/. XXXX XXXX 's policy, " electronic payments are sent two business days prior to the due date to ensure on time delivery. Some billers may not show the payment right away, but once they do it shoulder be credited as of the delivery date. '' On top of being charged a {$29.00} late fee, my next payment is {$70.00}. I have already filed a XXXX  complaint against the company.
Product: Credit reporting 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 These accounts has violated my rights. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomo ete and not accurate. And accordine to the tair credit redortind 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 Use 168115 they are suppose to do this ( XXXX ) reatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed
Product: Checking or savings account

Alright I want to share a XXXX  for Central Bank, called Bank Central only in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I initially applied through the Central Bank 's website for this account, and was then denied as I needed to apply through Bankcentral.net as I lived in CO. I couldn't find any referral links for bankcentral, however the url of : XXXX XXXX XXXX shows the same checking account bonus so I went through that page. 

I applied, made a direct deposit of ~ {$250.00} and before I could make any more transactions to my new account I got a shutdown letter stating they were going to close my account within 10 days. I couldn't get an answer as to why but eventually someone told me it was because I used an invalid referral code, which is odd as most banks won't shut you down if you don't meet a bonus requirement they just won't pay out said bonus. 

To add insult to injury I had to call a few times to let them re-enable external transfers so I could get my funds out.
Product: Debt collection

Portfolio Recovery was included in Bankruptcy back in 2013 and has falsely reported on my credit as being a open collection. I've called them and contacted all credit companies to dispute for 3yrs. At one point it was deleted but has returned.
Product: Payday loan, title loan, personal loan, or advance loan

I accepted a {$950.00} loan from Ascend in a desperate emergency situation. I did not realize or made clearly aware of that I was signing up for a 700.0000 % APR rate on the small loan I needed to get my daughter and I through the week. I finally realized what I had done when the amount of the drafts of {$270.00} coming out of my checking account as soon as my biweekly direct deposit got to my bank on paydays was still occuring after XXXX different pay periods. I called them to see what it was about and found out I was paying back {$4700.00} dollars to pay back the {$950.00} loan! I live in Louisiana where I there is a law that protects consumers from predatory lenders by capping payday loans apr rates at 32 %. I was floored when I realized it was an apr of 700.0000 % they had conned me into I'm still broke living paycheck to paycheck to support my daughter and I and there is no way ill ever have a chance of getting y head above water in a situation like this. I humbly pray and ask that you can help me resolve this matter where I don't end up way off worse than where I started. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Equifax received written communication from me to remove inaccurate Names and Addresses from my Credit file. I got correspondence on XXXX XXXX that the inaccurate addresses were deleted, however one remains after they said they deleted it. XXXX XXXX XXXX XXXX XXXX MI, XXXX. This address is inaccurate and and should be removed. 

On XXXX XXXX Equifax received written communication from me to investigate unauthorized credit inquiries which were not used for permissible purpose. I requested that they send me documentation of said permission. A Correspondence that was dated just 2 days later XX/XX/2020 they are stating that Inquiries are a factual record of file access. They did not investigate per the FCRA guidelines. They are required by law to do a full and thorough investigation. The following Inquiries should be removed immediately- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and finally XXXX.