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

I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.

I have disputed this information with the three credit bureaus and they have not removed the incorrect information.
Product: Consumer Loan

Having excellent credit, I took out a Line of Credit simple interest acct with Key Bank. I paid it off. I took out another one XX/XX/2016 and their accounting is woefully inept - and now I think is purposeful mishandling to enable them to charge " late charges ''. On the attached statement from them, you will note that, though I had an auto-pay each month via my credit union, they would show receipt of a payment and then " reverse charges ''. For no reason. I personally met with 2 different bank managers to try to fix THEIR accounting errors. They are woefully inept, slow to get back to me, completely unprofessional. In XX/XX/XXXX, the 2nd branch manager visit appeared to have fixed Key Bank 's problem. In a few months, the whole unprofessional and incorrect banking game began again. I receive daily harassment phone calls from Key Bank as they assert I owe them money. You will note that I went to my credit union to absolutely ascertain that each amount had been paid to Key Bank. They HAVE my money but CLAIM they do n't. I now believe this is a ruse to charge late fees. Because I was demanding the repair of their inept banking practices, they punished me by " freezing '' my account ( unable to draw money from it ). I had my legal firm send a letter demanding repair of their inept practices - and to apologize to me. They have ignored my legal letter. I have attached various statements, proof of 1-1 visits to Key Bank, my legal letter, etc. This bank is inept. They will not fix this mythical problem they 've made up. If they hurt my excellent credit, they will regret it as there are no limits to how I will seek retribution. I need them to fix how they have some type of scheme going on to charge late fees. My monthly fee is {$60.00} and yet their statement ( which I downloaded from online ) reflects odd amounts, reversals - it is completely out of control. They are unethical, inept, corrupt. How many more people are suffering this? I want them to pay me a restitution for all this XXXX, for my visits to their bank, for their ignoring my legal letter, for the constant incorrect unethical harassing phone calls. This is the worst bank in the history of the world. Please find attached numerous documents. I hope so very much that you can help me. They are out of control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of my letter. ( No investigation done ) My letters attached.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The financial institution failed to provide as follows : 1. my rights to not to have my nonpublic information

disclosed by not furnishing a privacy notice before they did so. 2. the financial institution may not nor directly through any affiliate, disclose to nonaffiliated third party any nonpublic personal information. 3.The financial institution did not disclose clearly nor conspicuously to me. 4. I the consumer was not given the opportunity, before such nonpublic information was initially disclosed before this lawsuit engaged here with alleged amounts of XXXX first court hearing date XXXX ; to direct that such information not be disclosed to such third party. 5. I was not given an explanation of how I the consumer can exercise that disclosure option. XXXX XXXX  did not grant the right before selling it over to Calvary I LLC, now such has violated my rights under the Consumer Financial Protection Act of 12 U.S.C. 5511 et seq now shall be enforced by California Bureau of Financial Protection. To just blatantly did not give me a written request nor written consent verbal or non verbal as the records pertain to me the consumer. With the Unreasonable opt out this goes against The Privacy Act of 1974 ( 5 U.S. Code 552a )
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX I sent a certified letter to XXXX, asking for them to investigate items on my credit report. I got a letter saying it was verified in which i sent another certified letter asking for proof of signature and also how did they verified this account. I was sent a letter saying they where not going to investigate the items any longer.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention regarding the accounts listed below : 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 and XXXX, XXXX XXXX XXXX 

The companies have acknowledged these errors and committed to updating the status to open/never late. Other credit bureaus have already corrected the status of these accounts after recognizing the inaccuracies. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. Based on information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this timeframe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XX/XX/year> The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX Subject : Dispute of Credit Report Information under FCRA Section 1681o Dear Sir/Madam, I am writing to formally dispute an error on my credit report under Section 1681o of the Fair Credit Reporting Act ( FCRA ). I believe this error was caused by negligent noncompliance with the FCRA on your part, and I am requesting that you investigate and rectify the issue in accordance with the law. 

Upon reviewing my credit report, I noticed the following inaccurate information : XXXX XXXXXXXX XXXX XXXX  XXXX, {$690.00}, charged_off, XXXXXXXX XXXX XXXX XXXX {$12000.00}, charged_off, XXXX XXXX XXXXXXXX # XXXX, {$3800.00}, charged_off, and XXXX, {$5300.00}, sent to Collections The information listed above is either incomplete, outdated, or otherwise inaccurate, and as a result, it is negatively affecting my credit score and financial reputation. Please delete this inaccurate information immediately for a fair resolution to this issue.

Under FCRA Section 1681o, I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. As such, I request that you promptly investigate the validity of this information and correct or delete any erroneous entries in compliance with the FCRA. 

Please provide me with written confirmation of the results of your investigation within 30 days as required by the FCRA. If you find that the disputed information is incorrect, I ask that you remove or correct it and send me an updated copy of my credit report. Due to the failure of both Experian ( XXXX XXXX Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and Equifax ( XXXX XXXX XXXX, XXXX, GA XXXX ) to resolve these issues. 

If the dispute is not resolved, I will be forced to consider further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking civil liability for negligence under Section 1681o. This section holds credit reporting agencies or data furnishers liable for failure to comply with the requirements of the FCRA, including ensuring the accuracy of the information they report. 

Please contact me at XXXX or XXXX should you need further information or clarification. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$450.00} XXXX/XXXX   XXXX {$3200.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$120000.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Debt collection

J Northland called me stating I will be served with legal papers and responsible for legal fees. A warrant out for my arrest.
Product: Mortgage

My house was damaged by hurricane Irma in XX/XX/XXXX. I received a check from the insurance company ( XXXX XXXX ) for {$69000.00}. The check had my mortgage company ( USAA ) listed as one of the payees so I needed their endorsement to cash the check.

I provided all required information that USAA asked for to show the house was repaired. They even charged me {$35.00} to have an inspector inspect the home to insure it was fully repaired.

I overnight mailed the check to USAA and they received it on XX/XX/XXXX. I spoke with them on XX/XX/XXXX. They advised me they would endorse the check and send it back. On XX/XX/XXXX they cashed the check and advised me they deposited into their account. They no longer feel the inspection that they was completed in XX/XX/XXXX and that they charged me for in XX/XX/XXXX is good enough. They have not rescheduled another inspection they are just letting it sit for now. 

They have provided no details on what they now require. They have stated they are reviewing the file and let me know what they will do once the review is complete. 

Their website " XXXX '' states my inspection was cancelled and needs to be rescheduled but, I can't reschedule it because it is completed. 

From XXXX to present I completed all the repairs to my house. Their inspector agreed that all repairs had been completed in XX/XX/XXXX. They have now cashed the check and are keeping the funds because they are unhappy with the inspection they completed and charged me for. 

I have even asked them to apply the funds to the mortgage balance. USAA stated they are not able to do that because the funds are not mine. They stated the funds are now theirs until they complete the review with no details about what they are reviewing.
Product: Credit reporting or other personal consumer reports

Your Company CB/VICSCRT is furnishing inaccurate and incorrect information to the consumer reporting agencies.The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s2 of your responsibilities as a furnisher of information.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.. This is final opportunity to Cure and DELETE This Erroneous, inaccurate account from my consumer report CB/VICSCRT XXXX Balance : {$480.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MHY NAME I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$5200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, thank you
Product: Credit card

I reported fraud regarding my credit card to Citibank on XX/XX/2017. 
( Someone had managed to cancel my card and asked to have new card sent to them in XXXX ). I was told by Citibank the card would be cancelled and a new one would be sent to me to arrive the next day. The next day when no card arrived I called back and they stated that the new cards were still shipped to the person committing the fraud and that they had used them to purchase goods at XXXX ( XXXX at Citibank Fraud # XXXX call XXXX ( for authorities only ) ). 
XX/XX/XXXX received charges from Citibank from XXXX in XXXX XXXX for {$380.00}. 
Spoke to XXXX XXXX, XXXX Citibank Fraud. She says the charges previously reported as fraudulent from last card were carried over for " accounting purposes '' to the new card. 
She also states that since " they were never before reported '' for this card " it may take 1 to 2 billing cycles to resolve '' and In the meantime I may accrue finance charges and interest until the investigation is completed. 

CFPB- I 'm not sure if they have broken any laws or regulations here, but my instinct is that beyond very poor business practices they have! 

Thanks
Product: Mortgage

i applied for a new mortgage through quicken loans. i am buying the house from my wife and disclosed this from the beginning. i have never been on the loan, title or anything as she had the house before i met her. they said as long as she hadnt missed or been late on a payment in 3 years, it would be ok and not considered a bailout, which they cant do. ive went through the whole process and gotten everything done theyve asked for. we had 10 days until our closing date. on thursday i received a message from the woman i had been working with stating that she was expecting the appraisal back on XX/XX/XXXX, and would contact me within 24 hrs after to go over the closing details. the next day i got a message from a purchase solution consultant saying i need to call him. i did and he said it wasnt going to work out. he transferred me to another woman and from there i was transferred to the " executive branch '' which is supposedly the highest branch you can talk to. i asked each person why this isnt going to work all of a sudden? i was told by each person that they cant say all they said eas a senior underwriter denied it now. i had to pay a {$500.00} appraisal fee and the rest would come off my down payment. i have already gotten the approval letter for the property and everything the absolute only thing we were waiting on was the appraisal to come back l. i never wouldve paid the {$500.00} if everything wasnt good to go. the executive woman i spoke with told me she couldnt tell me the reason it was denied. i said fine at least give me my {$500.00} back because it was a mistake on their end because my loan never shoukdve gotten that far if something was wrong. here we are 10 days from closing and all of a sudden it wont work now. she said she would review the calls and everything and itd take about 2 days to go through and then she could see abiut the {$500.00} back, then said nope its non refundable. i never got an explanation as to why my loan was denied and so late through the process, and i am unable to get my {$500.00} back that never wouldve been paid id someone on their end didnt screw up. they wont return my calls or emails and won't give me an answer as to why this has happened. i told then thats fine if they dont want to help me ill give my business to another company but i want my {$500.00} back! doesnt make sense witg everything being fine and approved jl, just wait9ng on the appraisal to close, then boom, not happening. they didnt resolve my issue, ask for anymore information, and never gave the reason why its denied at the very end and why i cant have my {$500.00} back.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention
Product: Credit reporting or other personal consumer reports

Im not sure of the exact dates and/or amounts, but I have filed multiple disputes and no actions have been taken by the company.