23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX XXXX Account Number : XXXX Please remove it from my credit report. I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should 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! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. I insist that you update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over XXXX  days old. According tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I had a very severe case of XXXX XXXX. I was hospitalized and received XXXX care for close to two months. As a result, I was unable to pay my Bank of America balance on my credit card. Upon release, I completely paid off the entire balance. I have called Bank of America at length to dispute the late payment information, citing the Covid 19 pandemic as a reason for nonpayment. Bank of America is refusing to update the information related to my credit dispute. I have escalated this with XXXX who has also been unable to get Bank of America to change the status.
Product: Debt collection

I was alerted to a collections item on my XXXX credit report, with a date reported of XX/XX/XXXX. I filed a complaint, disputing the debt, with CFPB, writing the following : " A collections item was reported to the credit bureaus on XX/XX/XXXX for {$600.00} from XXXX XXXX No previous notification was sent to me about this.I do not owe this debt. I had a XXXX XXXX account 5-6 years ago, but I closed my account and it was paid off. I have tried to reach this Collections Agency ( Transworld Systems, Inc. ) but they are unresponsive and it is impossible to reach someone by phone. I have sent a letter disputing this debt. '' The collection agency ( Transworld Systems/TSI ) responded by sending a letter ( attached ) that shows amounts they claim that I still owe XXXX from a cell phone account I haven't used since XXXX, and was closed and paid off in XXXX. 

Transworld Systems/TSI claimed to have sent me an Initial Demand Letter on XX/XX/XXXX. They sent this to an old address that I have not received mail at for over 6 years : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX. All mail sent to me at this address should be returned to the senders. I had no reason to provide XXXX  with my new mailing address because I closed my account, paid off the account and had no reason to expect any further communication from XXXX. 

I did not receive this Initial Demand Letter that Transworld Systems/TSI claims to have sent on XX/XX/XXXX. Transworld Systems/TSI claims that " no mail returns were received. '' This is difficult to believe. Others who have mistakenly sent mail to this address, intended for me, informed me that they received returned mail from this address, and I can prove it. Furthermore, Transworld Systems/TSI could have made a reasonable effort to obtain a current mailing address for me ( current as of XX/XX/XXXX, and clearly more recent ) through routine and minimal skip-tracing, such as by obtaining it from credit reporting records that all collection agencies have easy access to. 

By not making a reasonable effort to inform me of this claimed debt before reporting it to the credit bureaus, Transworld Systems/TSI is currently in breach of FDCPA, specifically 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation of 30 ( a ) ( 1 ), which requires consumers to be notified of the claimed debt before it is reported to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

The derogatory rating on my account has directly resulted in loan denials and increased interest rates across my credit accounts. This rating must be deleted and blocked from all three consumer reporting agencies immediately, as required by law.
Product: Credit reporting or other personal consumer reports

On XXXX I got a hard inquiry alert on my XXXX credit monitoring page. It was for a loan or credit application through Synchrony Financial. I called both XXXX and Synchrony and no one was able to help me with who the merchant was nor take out the hard inquiry. Synchrony requested for the Merchant name which XXXX said that they do not have. XXXX requested for a hand written dispute with a notification from Synchrony stating it was a fraudulent inquiry. Synchrony said they are unable to provide this notification without knowing the merchant involved, the Synchrony rep also said she was unable to search using my social security number or any other identifying information from me. We are currently at cross roads on getting the hard inquiry lifted and putting a stop to the fraudulent request
Product: Checking or savings account

This is in regards to two checking accounts I have with PNC. One is a business account and the other is a personal acct. Because I have issues with getting paid by my employer in a timely matter there has been some problems with my checking accounts. However I have always paid the Overdraft fees whenever my accounts were charged. This time I have serious issues with the way PNC has handled my accounts and the late charges they keep racking up. On Sunday XXXX XXXX 2017 I tried to make a deposit with two of my paychecks thru the ATM at the XXXX street branch. I received a receipt back saying the card was not useable and to call the banking institution. I also received the original two checks back. I immediately went home and called PNC. I talked with a XXXX in customer service, who informed me that the checks went thru and she removed the hold on my account. She told me the funds would be available on Tuesday XX/XX/XXXX. I also asked her that any late charges will be paid with the deposits. She assured me yes but to call on Monday to see if I could get any of them waived. I also asked her how could the deposit be good when I still had the original checks. She assured me it was. The deposit did show on online banking until Tuesday XX/XX/XXXX. Then it totally disappeared. So I assumed she was incorrect in her conversation with me. Now they keep withdrawing out of my account and are charging me late charges. If the money is not there why would you let these transactions go thru? This is awful customer service and to have amounts disappear off the system what else can they pull?
Product: Debt collection

I have not had or used a Discover Card since 1999. Pursuant to Florida Statute below, they had only five ( 5 ) years to attempt to collect this debt. I continue to receive calls from whatever entity purchased the Discovery Card debt - and this is now unenforceable and these calls are now harassment. I want to file a complaint against Discover Card for continuing to contact me and attempting to collect from me which is in clear violation of Florida Debt and Consumer Laws. This debt is over THREE TIMES past five year maximum amount allowable under the law ( pasted below ). 

Title VIII LIMITATIONS Chapter 95 LIMITATIONS OF ACTIONS ; ADVERSE POSSESSION View Entire Chapter 95.11Limitations other than for the recovery of real property.Actions other than for recovery of real property shall be commenced as follows : ( 2 ) WITHIN FIVE YEARS. 
( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. 
( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of paragraph ( 5 ) ( e ), s. 255.05 ( 10 ), s. 337.18 ( 1 ), or s. 713.23 ( 1 ) ( e ), and except for an action for a deficiency judgment governed by paragraph ( 5 ) ( h ). 
( c ) An action to foreclose a mortgage. 
( d ) An action alleging a willful violation of s. 448.110. 
( e ) Notwithstanding paragraph ( b ), an action for breach of a property insurance contract, with the period running from the date of loss.
Product: Vehicle loan or lease

During times of uncertainty, I purchased a vehicle on XXXX XX/XX/2020. I'm XXXX years old. And all I asked collection representative ( XXXX XX/XX/2020 XXXX, Ms. XXXX, I would like to change my car payment due date to the XXXX of the month. I was stalled by the rep and told I had to perform extra activities before USAuto Servicing will change my due date. At the time, I initial my sales contract, but my XXXX  was XXXX  due to my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im 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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

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

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 

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 or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the items for me to ensure accuracy. 
Here is the item I am asking to verify as accurate. 
( XXXX XXXX : Account Number : XXXX )
Product: Student loan

This is the follow-up on complaint XXXX this is XXXX XXXX concerning the student loans through Mohela that started out at XXXX then XXXX now it's XXXX they keep adding on even though they've been contacted even through you guys that it's fraud. I have froze my credit reports as soon as I realized by XXXX XXXX that there was somebody using my identity so they didn't do any more pulls just kept adding to the loans cuz I also added identity statement about my identity being stolen I had mailed a copy of my license social security card and the application to the XXXX XXXX XXXX XXXX XXXX Missouri Mohela to have these loans discharged I have not heard anything from anyone still can not get through to anyone try to go back through student aid XXXX they keep hanging up on me my next step I guess it's consult a lawyer it's my only choice
Product: Mortgage

I have been trying to sale the property but the servicer Gregory Funding does not work properly and is not moving the short sale after got an XXXX ; moreover, the attorney in the foreclosure said that he does not know anything about, and reschedule the foreclosure sale in less the soonest available
Product: Mortgage

Date : XX/XX/2022 Lender : Nations Lending Corporation Borrower ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Co-Borrower : Loan Originator : XXXX XXXX XXXX Loan Number : XXXX License # : XXXX Property Address : XXXXXXXX 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, Per our discussion, we have locked the interest rate on your loan for the property located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The rate we have locked for your loan is XXXX  %. Enclosed are a XXXX XXXX, XXXX and Points Form, and any other related documents. Please take a moment to review each of these documents. Should you have any questions regarding any of these documents, please contact me as soon as possible at XXXX or by email at XXXX. Sincerely, XXXX XXXX XXXX Produce your VA XXXX records and formal documentation from the Department of Veteran Affairs stating the such property is not qualified or certified for a VA XXXX. 

The Department of Veteran Affairs needs your records now and upon your response to this CFPB complaint on this forum and not some misleading response. You have the records of such communication stated and listed above. Now you too should have the Department of Veteran Affairs ' record to support why this loan did not close as a VA XXXX on XX/XX/2022. 


RECORDS and PROPER RECORDS is only a fair resolution to this issue, not just some response without any PROPER RECORDS attached. You had from XX/XX/2022- XX/XX/2022. 

You should have in your records or response the following records they are : VA XXXX XXXX and VA XXXX to any inquiry in nature to your loan application. There is a loan application and a VA XXXX Process that you should have these records. 

You should have my military record such as my XXXX correctly and properly sign off on by my commander of records. 

You should have a formal notice or letter as to why you denied this loan. 

All these records are PROPER and are needed and you can not say that you don't have your agency name in my file or records or you don't have my name, date of birth, and social security number in your system. Having all such means that you must produce ALL THE PROPER RECORDS to support any statement or record you have or want to say or state or claim. 

You have had well over enough time to produce these records. Now please produce such in your response to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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.

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3800.00} XXXX - XXXX XX/XX/XXXX {$11000.00} XXXX  XXXX - XXXX XX/XX/XXXX {$6600.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, Experian, and XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

Capital One pulled a hard inquiry on XX/XX/year> with out my requested do to a stollen identity.
Product: Credit reporting or other personal consumer reports

I sought confirmation from the court regarding the bankruptcies, and I have received explicit instructions that there should be no mention of bankruptcy in my credit file.
Product: Credit card or prepaid card

On XXXX XXXX I purchased a necklace as a wedding anniversary present for my beloved wife XXXX from the XXXX XXXX XXXX. The price was {$380.00}. I asked the XXXX XXXX XXXX for the discounted price for members of the XXXX XXXX of which I was a member at the time. The member price was {$330.00}. I asked that I received credit for the difference between the two ( 2 ) prices. 

On XXXX XXXX in reviewing my online banking statement from the Bank of America I noticed DOUBLE BILLING : the XXXX XXXX XXXX had billed my debit card twice : the {$330.00} and the {$330.00}! 

I immediately with my on-line banking had two ( 2 ) checks stopped at a bank fee of {$30.00} each! 

I then immediately called the Bank of America and spoke with XXXX. I explained over and over that my account was dangerously low because of the double billing and repeatedly asked her to delete the {$380.00} which she repeatedly stated that she would not do! 

Today XXXX XXXX XXXX I received an email from the Bank of America that my account had a NEGATIVE BALANCE OF {$75.00}! I was also notified that money was taken from my Bank of America credit card to cover the charges on my debit card! This when I had told XXXX at the Bank of America that my account was dangerously low and the double billing had to be reversed! The result of the money being transferred from my credit ward was my being charged a fee for the transfer and interest on the transfer and I can not use my credit card because it is near the maximum limit! 

So I immediately emailed Mr. XXXX XXXX a customer relations manager at the Bank of America branch in XXXX, New Jersey where my beloved wife and I live! 

I went to the branch to speak to him. He said he had gotten my email and would work on the problem. I told him that the {$380.00} had immediately to be removed as this was double billing. He did nothing! 

In short, THE BANK OF AMERICA HAS DONE NOTHING TO PROTECT MY INTERESTS EVEN THOUGH THE XXXX XXXX XXXX AS XXXX COULD PLAINLY SEE HAD DOUBLED BILLED ME AND AS MR. XXXX COULD PLAINLY SEE AS WELL!
Product: Debt collection

I saw a derogatory mark on my credit report that did no belong to me. I called the creditor ALDOUS & Associates PLLC and I told them that was NOT my debt and they basically told me I owed XXXX $ that I did not pay this " XXXX XXXX '' company and now I have to pay them or else they will not remove me from their debt collection. I contacted XXXX and they found an account that someone opened under my name in XXXX and they stopped paying it in XXXX. The only thing they had was my name. The social security number did NOT match mine. The agent at XXXX said that since it had been so many years since the account had been dormant, there was nothing he could do about removing it. I do n't understand how something that is said to be my debt is n't even associated with my social security number, yet it appeared on my credit report. I have already disputed this with my credit bureau, and they have removed it but I want ALDOUS & Associates PLLC to remove me from their records because I do not owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I have a number of fraudulent accounts on my report that I did not authorize
Product: Credit reporting or other personal consumer reports

I submitted a FTC report to XXXX on XX/XX/XXXX, and 5 items were deleted/blocked from the investigation. XXXX has violated my rights under the FCRA 15 USC 1681i ( 5 Day reinsertion notice ). Under the FCRA, XXXX never notified me by email or US mail between XXXX and XX/XX/XXXX of any reinsertion within 5 days of reinserting the information. I uploaded a request to remove previously disputed items that were reinserted on XX/XX/XXXX. XXXX failed to comply under 15 USC 1681i ( 5-day reinsertion notice ).
Product: Payday loan, title loan, personal loan, or advance loan

I am writing this inquiry in hopes of being contacted regarding getting a negotiated monthly payment of {$50.00} a month. I originally had this account in a debt consolidation but decided to contact and get this debt settled on my own. I called the debt consolidation line to security finance now XXXX weeks ago and no one called me back. I called the original Store in XXXX XXXX and the lady said she couldnt talk to me to negotiate payment. I have fell on hard times and Im trying to pay this debt back but cant get a call back. Im really not wishing to file bankruptcy. My original loan payment is {$100.00} a month before delinquency. I can not do that amount because it is a hardship for me but I can afford {$50.00} a month until either I can settle out in lump sum later down the line or in these payments until paid in full. I also ask for any fees and interest to be stopped due to hardship agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found erroneous information 's reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}