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

Account XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Company it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT-OUT ( 1 ) IN GENERAL financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all the above disclosures required by the Federal.
Product: Mortgage

Hello my loan modification went into affect XX/XX/24. This company decided to add a fee of {$30.00} to my payment this month. When I called to see what it was for, the representative said it is past due and it is for a Property Inspection fee that they added. 

I was never notified in any of the documents prior that I owe any {$30.00} fee for inspection and there is even an inspection that is going to get done, they said I don't have to authorize it, they can send out an inspector as they wish and charge me for it. 

-Also when I looked at the last statement online dated XX/XX/24 showed that fee to be waived. ( attached ). No XXXX statement showing yet. 
-Their website just shows {$30.00} fee, not stating what the fee is for. ( screenshot uploaded ) - payment history ( attached ) The communication here has been rather very poor and it is not right to just add fees however they wish and tell me I have to pay for it. If they are wanting to do an inspection, it is up to them to do so at their own expense, not charge me for it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a secured credit card from XXXX XXXX XXXX XXXX XXXX  ) with {$200.00} credit limit. 
I opened this account on XXXX/XXXXXXXX 
Recently I lost my physical credit card and called to the bank to ask them to send me a new card. 
After that all three bureaus have changed the account status to closed, but actually I just reported the card was stolen or missing. 
I still have available credit limit and status of the account is current. 
My credit age now is XXXX months and account balance is XXXX  also.

I would like to ask to correct this information Thank you
Product: Debt collection

A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The company is in violation of the Truth and Lending Act and other applicable laws and the alleges debt is not valid. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is provisding inaccurate false information that I owe them to all three Credit Bureaus, XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am seeing the following hard credit inquiries on my credit report. I have never ever requested any sorts of loan or credit from these institutions. Based on my research so far, it appears that all these are spam or fraud institutions and I need to file a formal complaint against these.
1. XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a very loyal consumer of XXXXXXXX XXXX for many years, and I need your assistance. I have this account with XXXXXXXX XXXX ( please see the Letter which I attached ) that I always paid on time. 

There was a period of time ( XXXX XXXX ) in my life that was very difficult to handle due to a XXXX emergency ( XXXX ). I always tried my best to get every payment to you on time but there was 1 time that my payment was received 30 days late. Before that hard time and ever since I have regained control, I have made every effort to be a loyal paying customer, even paying early at times to ensure that your company suffered no loss.

Well, that hard work has paid off and I now have years of good standing credit with your company, with the exception of this late payment. This payment is extremely damaging me in a lot of ways, mainly it is damaging my chances of credit availability.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the XXXX  & a copy of a completed & submitted FTC XXXX XXXX  report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX
Product: Credit reporting

I have sent Experian numerous requests asking them to please investigate and correct some accounts in my credit report that are reporting incorrectly and they are not responding.
Product: Mortgage

XXXX XX/XX/2021, we began the mortgage application process with Amerisave. We were assured repeatedly ( we have the emails ) that our loan would be ready to close by XX/XX/XXXX. By XX/XX/XXXX, we were informed that all of our information was complete and that they were only waiting for the appraisal. 
We spoke to or emailed our loan originator EVERY DAY between XX/XX/XXXX and XX/XX/XXXX, the deadline under our XXXX & XXXX for a commitment letter. On the afternoon of XX/XX/XXXX, we were informed that we had a new loan originator and that he was " pushing '' to get our commitment letter. He said all of our information was complete and that we might still be able to close on XX/XX/XXXX. 

On XX/XX/XXXX, Amerisave began requesting additional documents, some of them duplicate requests that we had sent them weeks before. Nevertheless, we provided the documents and were told that " eveything is clear '' and that they were going to try to get us a closing date on XX/XX/XXXX. 

They repeated the process with additional requests on XX/XX/XXXX. Again we complied. Again our loan originator told us everything was " cleared, '' and that he was just waiting for final approval from the underwriter. 

Today, we received another request for a round of documents, half of which have already been submitted. We had angry phone calls with Amerisave and were, once again, assured that if we only complied, we would get a closing date. We complied, and they sent another request. We complied, and they will not commit to a closing date. 

We arranged to move our belongings into the new home in XXXX with an agreement with the sellers that would not allow us to stay at the house, only move our things in, provided that the closing would be Wednesday. 

Our children are staying with family, we are sleeping on the floor of my sister-in-law 's basement. All of our belongings are at a house we can not occupy, and the seller 's could cancel the sale at any moment. 

Our lawyer, XXXX XXXX, said in 35 years of practicing real estate law, this is the most outrageous behavior he has ever seen. 

Please help us.
Product: Checking or savings account

I went to the atm on XX/XX/year>, at XXXX at the XXXX XXXX in XXXX XXXX NY to deposit cash ( as I usually do ). I inserted the atm card and proceeded with my pin and then inserted the cash when instructed. I have no idea what happened after! the screen went back to the beginning without confirming the transaction or giving me a receipt. I checked by balance on my phone app and the funds were not deposited. I immediately called customer service ( at the spot ), time by then was exactly XXXX. I spoke to them for 22 min and 32 sec. They checked their system and told me that they don't see any transactions at that specific atm nor my card. I suggested that I was going to withdraw {$20.00} to see if he can see it, and he did. He asked me how much did deposit, but I was not sure because I juft grabbed the money from my purse without counting it. ( I had just left work, I do taxes and had a lot of cash payments and rushed to the bank before going home ) Also, I never use to count before this incident trusting the system will do it correctly. I told him that it was more or less {$1200.00} but it could be more ( diffidently not less ). The Bank deposited {$1200.00} and started a dispute which took about 45 days. On XX/XX/year> I received a letter stating the investigation was completed and no trasactions were found and that the provisional credit of {$1200.00} was going to be reversed on XX/XX/year>, which it was. I am asking for you to please take control of this and investigate. The Bank needs to check the camera and see when I inserted the cash and check that I did not get anything back. This is not fair nor right. Thank you so much. My Card number is XXXX.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, ORIGINAL CREDITOR XXXX, XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

On my XXXX credit report a debt to XXXX XXXX for {$1000.00} for services on an address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX. This is not my debt I have never lived in XXXX XXXX SC or anywhere in South Carolina nor have I ever given anyone permission to open an account in my name. When I disputed this charge with XXXX they told me to contact the collection of Amisher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX for a resolution. I have written to Amisher Collection Services but they have not given me the courtesy of a reply. Also XXXX said they could not remove the address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

So I am asking that you have the XXXX XXXX debt and the address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX removed from my credit report as neither of these things belong to me and should not be on my credit report. 

Thank you for you assistance in this most depressing matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For years, I have been subjected to relentless harassment over a medical debt that is not my responsibility. I have always been covered by medical insurance, due to my XXXX XXXX XXXX XXXX which necessitates lifelong medical protection. The issue arose when the medical service provider failed to submit the bill to my insurance within the required timeframe ( 1 year ), leading to the payment responsibility unjustly falling on me. I have made numerous attempts to rectify this situation, proving that I am not liable for these payments, but my efforts have been futile so far. I believe that the provider 's negligence should not impact my interests, especially since I have always been diligent in paying for my medical insurance. 

In response to this issue, I decided to send a debt validation letter to the collection agency that acquired my debt. However, the 30 business days provided by the Fair Debt Collection Practices Act ( FDCPA ) for a response have elapsed, and to date, I have not received any communication from them.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Paypal sent me a email that I would no longer be able to use my account and I wouldn't have access to funds for six months. I've been a Paypal Account holder for well over three years with no issues before. I have a balance on my account of {$630.00} which they are denying me access to for six months. They haven't stated why, and all communication to them has gone unanswered or not possible to get any reasons from support over the phone about issue. I've attached my last months statement and can include many more months of statements if needed.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

* * 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

* 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

* 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

* 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 

I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided.

To make matters worse, I have learned abour 'e recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Creait Report Errors '' ), which highlights neglected efforts in your company affairs.

have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

I want these accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This all started on XX/XX/XXXX, for planning on purchasing a new vehicle, so I wanted to check my credit report, and scores of all 3 credit bureaus, so I went on the website of XXXX.To check my information thru website, they charge {$1.00} for 7 days, then cancel, so I cancelled on the 4th day of subscription period. So then I checked my credit card and the charge for a {$1.00}, and {$29.00}, were on my statement. On XX/XX/XXXX, I called Experian about my charge on my Credit Card for {$29.00}, regarding Free Credit Monitoring. So I had to wait for over an hour before, I could speak with someone, so I hung up after 30 minutes. Then I called again on XX/XX/XXXX, about the same thing, after over 2 hours and nobody still no answers, I hung up. So then I called my Credit Company, and they told me to send a letter to the dispute area, saying that I didn't authorize that charge for {$29.00}, so I mailed a letter on XX/XX/XXXX. I still haven't heard back from them regarding the dispute letter, so I planned on checking later today. So during both those times, the automated service asked if I would like to cancel my membership, and I did both times. So I got mad that they charged me the {$29.00}, and don't even do any free monitoring on my account. Except, XXXX XXXX notified me about the dealer checking, along with other banks that checked my reports on all 3 bureaus. So, as of right now, I have sent a dispute letter to my Credit Card company, to refund the charge back to my account ASAP, for unauthorized charge. This isn't the first time, Experian has done this to me. I have seen they are having a settlement against them for this exact thing to other people. I'm also wanting a free copy of my Experian report and score, due to purchasing a vehicle, and being denied credit on a purchase previously before all this happened. FREE REPORT BY EXPERIAN, WITH SCORE AND REPORT.
Product: Debt collection

I was contacted by Convergent Outsourcing Inc XX/XX/XXXX and again on XX/XX/XXXX about a {$1200.00} debt from XXXX. Someone fraudulently opened an account with XXXX with my name and address in XX/XX/XXXX and signed up for paperless billing so I never received a bill or any other communications directly from XXXX. Convergent placed a collections notice on my credit report and I contacted them told them the debt was fraudulent as was told to supply a police report about the incident and to send in a form. I submitted the police report and form and shortly there after the collections notice was removed from my credit report. 

On XX/XX/XXXX I was contacted by XXXX XXXX  about the same {$1200.00} fraudulent XXXX account. It appears the Convergent resold my debt after they received proof that it was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I filed a complaint with XXXX, Experian and XXXX about discrepancies on my report. I also sent court documents that I received from my bankruptcy discharge. Experian just sent me an email stating that the creditors that disputed with them are showing as accurate and verified. I need help resolving this matter. I feel like my rights are being violated.
Product: Credit reporting or other personal consumer reports

"

I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. "
Product: Credit card or prepaid card

I closed my credit card account with First Progress due to them charging me fraudulent fees. <P/>They have on my credit reports that I owe them {$250.00}. My credit line was {$300.00}. I actually owe them {$150.00}. First Progress should not be in business because they are cheating their customers in fraudulent fees charged. <P/>I want an investigation into First Progress also I want you to get them to correct my balance owed to {$150.00}. <P/>Waiting for a reply, XXXX XXXX XXXX