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

I am reaching out to dispute an account that was previously deleted from my credit report but has now reappeared, which constitutes a violation under 15 U.S.C. 1681i - FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ). Under the Fair Credit Reporting Act ( FCRA ), once an account is removed, it can not be reinserted without proper notification and certification of accuracy from the data furnisher. I have not received any such notification, making this reappearance unlawful and damaging to my credit profile. 
This inaccurate reporting is negatively impacting my credit standing, which is particularly concerning as I am in the process of launching my own business and need access to funding. I formally request an immediate investigation and the permanent removal of this account from my report. Please provide written confirmation of your findings and any corrective actions taken within the legally mandated timeframe.
Product: Debt collection

XXXX XXXX send me a renewal policy XX/XX/XXXX.The policy was much higher than the previous year. I decided to go with another company and I did not realize that I had to give decline in writing. 
A collection company R.M.S ( Receivable Management Services Corporation ) contacted me to set up a payment plan.I was contacted by XXXX XXXX XXXX. Agent I came to a payment agreement that XXXX XXXX negotiated with XXXX XXXX. 
The agreement of XXXX payments of {$160.00} totaling {$1200.00}. My first payment was on XXXX XXXX 2015. XXXX, XXXX, XXXX all checks were electronic and everything went smoothly. XXXX I send a check on the XXXX XXXX for the regular {$160.00}. I received a text notification that my account was overdrawn on Monday morning. I looked into my account and noticed that {$1000.00} had been deducted instead of the regular {$160.00}. I went directly to the branch and my banker contacted XXXX XXXX and asked to reverse the excess funds. XXXX thing happened XXXX we could not access the account as it had been closed. Keep in mind this was XXXX XXXX time on Monday morning. No one including XXXX was willing to help in any way as she was well aware of our agreement fully knowing that there was a serous over pay.After many attempts in the branch and within the coming days i tried with no success as no one was willing to discuss this.Every phone call was transferred to another person which led to nobody and finally it disconnected. The anger and helplessness was emotionally upsetting. Thankfully after evaluating my problem XXXX reversed the payment. I was told to close my account and open a new account. In XXXX I received a call from XXXX XXXX who said I owe money at first I could not believe she would call after everything that I went through.She was not apologetic. i was so disgusted I wanted nothing to do with them. I received a letter and called to be told that it was given to a law firm. 
I have not contacted the law firm .I need your help as they lied to me on several issues. They tried to grab money illegally and thanks to XXXX they saved me would have no recourse finacially to is to expensive to obtain a law firm..
Product: Checking or savings account

Hello, I had purchased a money order from the XXXX PNC branch on XX/XX/2016, and made the check payable to my niece, XXXX XXXX XXXX, who lives in XXXX XXXX. I had issued the check to her, and she lost the check. She recently found the check, but was unable to cash the check because it had been escheated to the state of Ohio. 

My niece mailed the check back to me, and I was told that the check had not been escheated because it was a money order and attempted to cash the check. The check was denied. I have started the unclaimed funds process through Ohio, and they need proof that I originated the check. Since this is from 2016, I do not have a copy of the purchase receipt. I am asking for documentation from PNC to show the state of unclaimed funds in Ohio that I was the originator of the check, and should have the authority to claim those funds in full. They advised they need something from PNC showing that I was the originator of the funds. 

PNC bank has not been able to obtain this for me and advised I should attempt to file a complaint with the CFPB to see if this can be researched further. I need documentation showing that I originated the check. A money order receipt showing the name of who originated the check. A banking statement, although it has just been past 7 years. There has to be some form of microfiche records showing that I originated the check. 

My son-in-law has full authorization to speak to anybody at PNC. His phone number is XXXX. My phone number is XXXX. My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, OH XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Synchrony Bank Network located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank Network has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Money transfer, virtual currency, or money service

These XXXX  are playing games. They have unrestrict and restored my account but won't let me transfer my money. I'm sick of their XXXX. They responded to my complaint on this site this morning saying they have resolved the issue. I am in no different of a spot today than I have been for the last week. I just want my money and be done with them. They asked for documentation from my bank I gave it to them. I have done nothing wrong with this company that they can find. This is harassment and they are frauding me holding my money XXXX. I want something done with these XXXX.
Product: Credit reporting or other personal consumer reports

I recently received notification of a late payment furnished on my consumer report. I was never late on. Consumer reporting corporations have assumed a vital role and have responsibility to report consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on payments on account ( XXXX XXXX ). Please investigate and provide proof with statements showing that the payment was late. If proof cant be provided. I demand payment be updated to on time as it should be. I was never late. 
TransUnion is in violation of 15 usc 1681b ( a ) ( 2 ) in accordance with written instructions of the consumer to whom it relates. Which means that any item of information on my consumer report can not be placed on my consumer report without my written consent. I am now demanding TransUnion to provide me proof of my written consent ( permissible purpose ) giving them permission to furnish each of the following pieces of information on my consumer report ( see exhibit A in document section ) this is an identity theft action due to TransUnion obtaining my non-public personal information without my consent.
Product: Debt collection

An agreement with Credit Corp Solutions Inc Was done and paid for the amount of {$500.00}. XXXX XXXX. XXXX XXXX XXXX XXXX account received the agreement amount of {$500.00} paid in full on XX/XX/2023 file XXXX. Final documentation to close this case is not send and clear from Public record. I call them and they told me that I dont need to call them for anything to call my attorney representative. I would like them to finalize the process in a timely manner the same way I did make the payments with their rules to be in compliance.
Product: Mortgage

Hello- my mortgage was sold to Flagstar a year or so ago, without my knowledge or consent. I recently paid my mortgage balance down to 80 %. Repeated attempts with Flagstar to have the PMI insurance removed have been unsuccessful. I was told by a Flagstar rep that it stated in my original mortgage agreement that I signed for PMI insurance the full term of the mortgage, yet they won't send me a copy to prove this. After doing my own research, I believe that I'm not required to pay PMI after the note is reduced to 80 %. As well, I've never missed one payment! I'm hoping to gain some insight as to what I'm responsible for regarding my mortgage with this company.
Product: Debt collection

XXXX XXXX XXXX paid debt in XXXX to collection company- I have proof Actions taken - paid debt to debt collection company XXXX  years ago, they are still negatively reporting on my credit, and refuse to take it off. I have called the bank, and the credit bureau. 

XXXX XXXX - paid debit in XXXX to collection company- have copies that I paid the debt. They are still reporting negatively on my credit report, and refuse to take it off. 

XXXX XXXX XXXX paid debt to debt collection company, they are still reporting negatively on my credit reports. I have called the bank, and credit bureau, both refuse to take off of my credit reports. 

If you investigate, I paid them all. I will search for the other letters.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

more incomplete information that is not mine on my report. This is the third time in the last XXXX months bank of amer need to be removed XXXX XXXX needs to be removed Evidence is attached below.
Product: Credit card or prepaid card

Prepaid card, issued by THE XXXX XXXX  from XXXX for the XXXX XXXX XXXX  or any place that accepts XXXX  was a XXXX gift XXXX in amount of {$100.00}. We used the card once. at the hotel ( XX/XX/XXXX ) in the amount of {$45.00}. The next time ( XX/XX/XXXX ) we wanted to use the card it was DENIED. According to gift card account history it showed, that there was a Service fee of {$1.00} charged every month since XX/XX/XXXX. When I finally called in XXXX to inquire about the problem I received very little support. Their claim is that they have switched banks in XXXX and a refund check was issued with the remaining balance and mailed to our daughter. That is false and our daughter never received any refund back in XXXX. XXXX is telling us that they no longer have access to research the problem. If this was the truth, than we was I able to find my transaction history in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Ford on several occasions and was told that the data was going to be removed off my credit report because of staue of limitation.The information is affecting my government security clearance.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.

Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

They are giving our account to a company named XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX, for servicing. This company is being sued by so many people because they are ruining their credit and everything else. I do not want this company servicing our account. We have filed a complaint here on XXXX XXXX, 2017have not heard from Bank Of America, and when I do speak to them they say that they can not stop this process.
Product: Mortgage

We had storm damage from falling trees on our property. The insurance company paid the claim with a check to us and the mortgage servicing company -- Fay Servicing. Fay demanded that we endorse the check to them and that they will dole out the funds. We found a contractor to remove the trees but Fay sent us a check for only 1/3 of the total claim ( there are other tasks to repair our property after the trees are removed ) payable to both the tree contractor and us. The contractor will not do the work without the guarantee that that they will be paid when the work is done and indicates that they have had difficulty with collecting from mortgage companies and insists that we guarantee payment if the mortgage company does not pay in 30 days. The mortgage company will not guarantee that they will do that.
Product: Student loan

In late XXXX, my student loans were transferred from XXXX XXXX to EdFinancial. Upon the transfer, EdFinancial stopped mailing statements to us. Throughout the COVID-19 Student Loan Forebearance, XXXX XXXX continued to mail us statements and accept payments. 

On XX/XX/XXXX, I called about my account and how 3 months had passed without any statement from them. Today, XX/XX/XXXX, the EdFinancial representative claimed that in that conversation in XXXX, EdFinancial agreed to start sending my statements but by doing so I would waive the COVID-19 Forebearance. I have no recollection of that agreement to waiver forebearance, EdFinancial was not able to provide a transcript of the call, or produce the script their staff were instructed to use. As such, EdFinancial began charging interest on my federal student loans starting XX/XX/XXXX. 

Today EdFinancial agreed to reinstate the forebearance on all my lines, going back to XX/XX/XXXX ( though it's on me to check my account in a couple days to make sure it happened ). The EdFinancial story here doesn't line up. The idea that the only way for a loan service provider to create statements is to waive the forebearance is not in keeping with the experience and practice of other loan service providers. EdFinancial claimed they were following the regulations on this, but my request for them reference the actual regulation they were implementing was unmet. 

The entirety of their actions were designed to maximize their benefit and minimize my opportunity to pay off these loans. They were unable to provide any concrete evidence that their practices are mandated by Department of Education ( though they didn't hesitate invoke the Department 's name ), and is not in keeping with the practice of other service providers. 

The fact that EdFinancial so easily reversed course with ( yet to be confirmed ) retroactive changes is further circumstantial evidence that all these manipulations on their part are arbitrary and only designed for their benefit. There is no reason, save their own self-interest, they can not continue to use the USPS to request and collect payments from loanees who are looking to do so. For all the reasons stated above, their position amounts to excuses.

I got them to reverse course on this, but how many others is EdFinancial playing games with and hiding behind ill defined jargon?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW FINANCIAL SERVICES Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Credit card or prepaid card

I received a credit card -Chase XXXX XXXX in my mail today ( XXXX XX/XX/XXXX   ). I did not sign up for this card. I did not authorize this card. I have no banking relationship with Chase at all. I contacted their fraud department. They said they had to call me back on my mobile for some reason but have refused to do so. I need this account closed immediately and removed from my credit history. Any other cards in my name need to be closed at once. This is all fraudulent activity.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and these accounts were reported showing I owe a debt. After requesting a debt validation and proof the the HIPPA Release form with my signature and a breakdown of the charges from the orginal credit and XXXX XXXX. They were not able to provide me with those documents. 

I am allowed under the HIPPA Law ( Health Portability and Accountability Act of 1996 ) to protect my privacy and medical records. I do not recall permitting them to release my medical information to a third party. 

I believe that this company violates the FDCPA for withholding the documentation requested of service in connection with the alleged debt. Please help me resolve this matter since they refuse to cooperate with my request. 

Account in disputed listed below : XXXX XXXX XXXX ( XXXX XXXX ) {$6600.00} Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}
Product: Prepaid card

I ( tried ) to use the American express serve prepaid mobile app to deposit a check, which they say takes up to 6 days to apply the funds. I assumed it was to ensure the check cleared. What they do n't tell you is that they use a vendor to evaluate whether or not to accept the check. They check I deposited was rejected and even after speaking to a vendor rep I have no idea why. The information is proprietary and they wo n't tell you why a check was not accepted. They do not provide guidelines of any sort, which means any check can be rejected for any reason. Their excuse is that it is an app and we should n't expect every check to be accepted. The problem is that the American express serve prepaid website and the app do not give any indication that the check will be put through this arbitrary process. this need to be fix I am scared to use their mobile check app fearing that when deposit a check that it will get rejected for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still errors on my report and they have not fixed the problem. XXXX is reporting different information on the 3 credit bureau. Please see attached. Close date, last activity date are all incorrect. It is also showing as a charge off on my XXXX. Please fix the problem. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My  XXXX   XXXX  Account that was  " In Good St anding '' on my credit report has been deleted or blocked from my report and my report no longer generates a score because of no credit history. The account should NOT have been removed.    XXXX   XXXX  Credit Card Account #  XXXX  ... Date Opened :  XXXX   XXXX  First Reported :  XXXX   XXXX  Credit Limit : {$7700.00} Payment History : starting  XXXX   XXXX  - current I have contacted  XXXX   XXXX  customer service dept. and also th e Fraud Dept. an d both departments informed me that they have not stopped or requested removal of my account reporting and that my account is currently scheduled to report currently. A letter confirming that reporting is in effect has been sent by  XXXX   XXXX  to all  XXXX  bureaus to prove this fact.   I recently filed an Identity Theft report that included  XXXX  unrelated  XXXX   XXXX  accounts and I feel that there is a possibility that the wrong account " In Good Standing '' was blocked by mistake, because the fi rst 4  digits are the same "  XXXX  ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reporting excessive use of credit. When my card was used fraudulently and they will not fix
Product: Credit reporting

I contacted Trans Union to make them aware that this public record XXXX has been filed in error and has now been dismissed and vacated by the Courts I sent Trans Union the court documentation showing that it is no longer active and was filed erroneously but Trans Union has yet to block this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent / unauthorized from XXXX XXXX XXXX  XXXX on XX/XX/2022 off my report or provide proof in writing within 30 days.
Product: Mortgage

I began a refinance on XX/XX/21. I was set to close at a prolonged date of XX/XX/21. No one came to my closing. I was told a streamlined package was incomplete on the end of CitiBank. Apparently this has to do with the escrow. It has been over 40 days since then with no new closing date. This refinance loan has been in process for 142 days with the same company I have been with for 12 years. All I am getting is an escalation to prioritize with no completion. I resubmit paystubs, bank statements and my appraisal has expired for over 120 days. All I get is a run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive tried to change my address and let them know i never lived in any of the places on my credit report but they wont remove the other address of my profile