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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Mortgage

I recently refinanced my house with Bank of America. I was told that the old escrow account would not be touched as it is an FHA loan. However, to my surprise, I got a check in the mail for {$29.00} instead of {$3100.00}. I immediately called Bank of America and spoke to someone in the Mortgage Department who informed me that instead of lending me the pay-off amount of {$210000.00}, whoever processed my loan only applied or allocated {$200000.00} to the new loan and automatically carried over the {$3000.00} from my old escrow account without my permission. 

As per RESPA ( Real Estate Settlements Procedures Act ), " when you pay off a mortgage, RESPA requires the lender to refund the remaining escrow balance to you. The lender can not use it to pay down your mortgage balance, nor can it transfer it to a new escrow account. The lender must inform you of your right to apply this money to your mortgage balance or a new escrow account when it sends you the refund check. '' I consulted with someone and confirmed that when a person chooses to refinance a loan, the original escrow account remains with the old loan, and escrow funds can not be transferred to new loans, even if it is with the same lender. I was advised that all property taxes and insurance payments I made in the past must be returned to me within 45 days via wire transfer or check. 

I called several times in the past asking for a status on my escrow account and confirmed the {$3100.00} due from my old escrow account. I even obtained an activity report on XXXX/XXXX/16 in the mail. I was never informed of my rights under RESPA, nor was I asked for permission to use those funds towards the new loan account. In fact, when I spoke to a representative from Bank of America today in the Mortgage Department, the lady apologized and advised me that if I would have done it with another lender, that would have never happened and I would have received my full escrow amount. 

I have been a loyal customer of Bank of America for almost XXXX years and I am very upset with this situation. I feel cheated and misinformed, needless to say disappointed at the service I received by the representative who handled my loan, who continuously kept postponing my closing date and did not contact me when I needed to speak to her. It was always very difficult to get a hold of her.
Product: Payday loan

This company API Recovery Solutions, XXXX are repeatedly, myself included, contacting people who have or have not taken out payday loans. They do not send debt validations as requested. Additionally, when they are trying to contact people they are also calling possible relatives they find on a people locator and telling them that they need to speak to this person because there is an issue they need cleared up regarding a financial loan. They are contacting people from years past, ex-inlaws, ex-spouses, etc. There are many complaints on them. They are scamming people out of money when this person has not taken out payday loans. PLEASE STOP THEM. I have people I knew 25 years ago trying to contact me about them calling them. www.APIRecoverySolutions.com. I do n't know where they are based out of, website does not indicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} XXXX XXXX XX/XX/2022. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I seen some hard inquiries that did not have permissible purpose. I also attached evidence below : XXXX. XXXX XXXX XXXX. Inquired on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX. Inquired on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account with citizens bank since XX/XX/XXXX. I arranged for automatic checking account deductions for a service at that time. After I moved from New York, I left the checking account open with a balance remaining in the account of approximately {$2000.00} as I had automatic payments coming out of the account. When the balance was at XXXX, I switched to my new checking account and closed the Citizens bank checking account. Unbeknownst to me, the account remained open and there was a line of credit attached to it. When one of my creditors submitted a final automatic payment, the overdraft line of credit was accessed in the amount of {$20.00}. I did not have notice of this event and had no idea that I had a line of credit or that I now owed Citizens {$20.00} on that line of credit. Months later, I have found on my credit report that I am delinquent. When I contacted Citizens to inquire I was advised that I must pay {$190.00} due to late fees and interest. I offered to make the payment online and close the account, but I was informed that the only way to do so was to come into a local branch. Because I was no longer in the area, my elderly father went to the branch to pay the account and resolve the credit report issue. Citizens accepted the payment but stated they could not expunge the derogatory entry on my credit report. This was unfair and deceptive as I was led to believe this matter would be corrected upon payment. Moreover, since I had no notice of the line of credit access or that I had a balance, Citizens bank accrued charges to my detriment in excess of {$160.00}.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, FL XXXXthere should be no other names or addresses on my consumer file. My employer is XXXX XXXX, XXXX there should be no other employment information on my consumer file. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

In my recent credit report from TransUnion, I discovered that a bankruptcy record, along with several associated accounts, was inaccurately included. This information is either outdated, unverifiable, or otherwise improperly reported, resulting in severe damage to my credit profile and financial reputation.

I formally disputed this bankruptcy record withTransUnion, requesting that they provide verifiable documentation from the original source or the court where the bankruptcy was filed. Despite my dispute, TransUnion failed to verify this information thoroughly or provide any valid documentation to support its inclusion. The agency also failed to conduct a manual review of the record, relying instead on automated systems, which do not meet the verification standards mandated under the Fair Credit Reporting Act ( FCRA ).

Additionally, the inclusion of this bankruptcy record without my explicit consent violates my privacy rights under 15 U.S.C. 1681a ( d ). It also does not meet the permissible purposes requirement under 15 U.S.C. 1681b ( a ) ( 2 ). As a result, my access to credit has been unfairly restricted, and my financial standing has been compromised due to this erroneous reporting.
Product: Debt collection

I walked into my health club and canceled my membership because I was leaving the state for work. Months later I kept getting emails and calls about a past due payment so I was bullied into paying {$79.00} and then I received a pending cancellation letter via email from the health club facility. I work in a hospital and do not have the ability to answer my phone every time it rings but I keep getting calls from the health club saying my payments are past due. When I try to call back I get disconnected because I tell them this is already resolved. Today I get an email saying they sold my debt to collections and I will be in collections. So I was finally able to get ahold of ABCXXXX fitness and they say I have to pay them another {$230.00} to settle the debt thats been accruing since I canceled my membership which they never canceled per my multiple request. These bad business practices need to be abolished. Companies can not go around threatening peoples credit scores for more money because they are greedy and bullies
Product: Money transfer, virtual currency, or money service

My son made a payment with XXXX through our bank, Wells Fargo. The payment for {$100.00} was made on XX/XX/22 to an account through XXXX XXXX for some discs used for Frisbee Golf. My son never received the discs and was subsequently blocked by the person selling them. We reported this to Wells Fargo who created a claim for this fraudulent transaction. They closed the case on XX/XX/22 saying there is nothing they can do for us, that it is up to the banking institution my son sent the money to refund us for this transaction. 

This is the same bank ( Wells Fargo ) who actively promotes the use of XXXX on their website and encourages it's customers to use the XXXX product! Somebody needs to be held accountable for these transactions, neither Wells Fargo or XXXX are taking any responsibility for their customers getting scammed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Serval accounts on Equifax is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report with Equifax from XXXXXXXX XXXX  which is showing as a Charge-Off. I have paid this item and disputed this fact with Equifax on XX/XX/XXXX. The projected completion date was XX/XX/XXXX, and I still have not received an update on this, and it is still showing as Pending in their system ( screenshot attached ). I pulled my credit again today, and saw it still has not been changed, but states " This item is currently under investigation. '' This has been 'under investigation ' for two months! If they can not verify the information, they have a legal obligation to remove it from my credit report within 30 days of the dispute, which they have not done. 

Additionally, they are now PREVENTING me from making any further dispute, complaint or statement on this account. This affects my credit score and my ability to obtain credit. 

I want this item removed from my credit report. At the very least, it should be noted that it was paid in full.
Product: Credit reporting or other personal consumer reports

I looked at my equifax report on XXXX XXXX and noticed some accounts that are not complete and have inaccurate opening dates and date of last activity dates of last payment are all inaccurate. According to fcra usc1681 s-2 reporting information with actual knowledge of errors.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. 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 I enclosed all the information thatbis reporting inaccurate please delete all accounts with inaccurate information from my report.
Product: Debt collection

My husband and I filed chapter XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Our Home was included in the bankruptcy. The home was mortgaged through XXXX XXXX. I have previously filed complaints against XXXX XXXX for their continued correspondence regarding payment of mortgage, insurance coverage and real estate taxes. I currently have an active complaint against XXXX XXXX - XXXX-XXXX. 
On XX/XX/XXXX, we received a packet of information from Specialized Loan Servicing LLC regarding our unpaid mortgage. Speaking with these individuals is like speaking to wall. 
I am frustrated beyond belief. These financial institutions are the most corrupt people I have ever encountered. 
I wish to pursue any and all avenues of recourse available to me. 
thank you.
Product: Credit reporting

To whom it may concern ; I am writing with an update per a previous claim I filed within this portal ( Case number : XXXX ) concerning one of my XXXX card accounts. As I stated in the aforementioned pervious case, I have closed this account due to fraud and unauthorized transactions. As of today, the account was reporting in accurately and I am attaching a letter that was sent to me from XXXX validating that the card was both closed and paid in full with a {$0.00} balance. 

XXXX Acct : XXXX Limit : {$4000.00} Balance : {$0.00} Last reported : XX/XX/XXXX Opened : XX/XX/XXXX Please update my credit file to reflect this information. 

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

XXXX XXXX XXXX XXXX XXXX, I disputed this account twice which resulted in the account being removed both times. As of XXXX XXXX2020 this account now reappears on my Equifax credit report. I never received any notification that this account would be reinserted on my credit file. Why is this company allowed to remove an item then reinsert the same item with new dates. That is a direct violation of the FCRA. Please investigate this. I would like this item removed from my Equifax credit file just as it has been removed from XXXX  and XXXX. Thank you,
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 customers, right to privacy and confidentially under 15 USC 1681. 

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 know XXXX XXXX XXXX XXXX XXXX # I dont know 15 USC 1681 section 602 A. States that I have the right to privacy.

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have  disputed. Please resolve this manner as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. 

This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - 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 ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ( AMERICAN CREDIT ACCEPTANCE XXXX ) ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with XXXX XXXX. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.
Product: Debt collection

Account opened by my wife for XXXX was put in my name, sent to a collection agency ( XXXX ), was removed after disputing ownership of the debt, have since been contacted by a XXXX collection agency on behalf of XXXX still claiming the debt is mine after having disputed it previously with XXXX & the other collection agency.