23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, made a large cash deposit at a US Bank ATM. I have a checking account with this bank, and the deposit was made at an outside US Bank ATM, meaning the ATM was not located inside the branch, but outside at a drive-up ATM. 

Cash deposit should have totaled {$5800.00}. Due the number of bills, the ATM would only accept 50 bills at at time, so it would close the transaction after it accepted 50 bills. A number of bills were new/crisp {$100.00} bills that easily stuck together. The ATM deposit was made with 3 separate transactions/ATM receipts. The receipts show the denomination and quantity of bills deposited. First deposit was $ XXXX XXXX {$100.00} bills. The second deposit was $ XXXX XXXX {$20.00}, XXXX {$10.00}, XXXX {$5.00}, XXXX {$1.00}. The last deposit was $ XXXX XXXX {$20.00} XXXX {$1.00}. I noticed there were no {$50.00} bills listed, although there was a {$50.00} deposited. The total for all receipts is {$5300.00}. That is {$500.00} less than deposited. 

Called the US Bank branch where the deposit was made, and was told the ATM was outside, so disputes need to be called in to US Bank at XXXX. 

Called US Bank on XX/XX/XXXX to dispute the transaction, and was told a case would be opened. Reference # XXXX. The case would take up to 10 days to resolve. On XX/XX/XXXX, I received a letter from US bank denying my claim in the amount of {$5500.00}. Since this was incorrect, and I was disputing {$500.00}, not {$5500.00}, I called on US bank on XX/XX/XXXX requesting the case be reopened. This did not occur. I called again on XX/XX/XXXX requesting an update, and was told a new case would be opened. Reference # XXXX. I received a letter from US Bank on XX/XX/XXXX denying this claim. The letter states that research had determined no errors occurred, but I could request copies of the documentation used in the investigation. I have tried numerous times to request this documentation, but have been transferred from department to department. Every call lasts XXXX minutes, with holds or transfers, but not one US Bank rep knows how to process my request for documentation or can escalate my request. I am in an endless loop of calls with no resolution or explanation. I have requested the assistance of supervisors, and not one has ever been available. I have been assured numerous times a supervisor would follow up, but that has not happened. 

I have the dates and names of every US Bank rep I have spoken with. I have both letters of denial, and the ATM receipts from the deposit. 

XX/XX/XXXX US Bank Rep. XXXX XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX US Bank Rep. XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed dispute letter to Equifax to have some errors on my credit report fixed and to have a promotional freeze placed on my credit file. I received two letters in the mail from them. One stating they could not locate my credit file and asked me to send more information to verify who I was, which i sent legible copies of my photo ID and social security cards. Another letter stating that the promotional freeze was placed on my credit file. How can they local my credit file for one but not the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to buy a car and went to XXXX website. I found a car I liked and talk over the phone to " XXXX ''. I applied to be pre-approved over the phone around XXXX, she texted me at XXXX that I was pre-approved and to call her back. First, I called many times and was never able to reach her so the next day, I went to another dealership with a similar car, applied for financing and they told me that my credit was bad and that I had NINE hard inquiries on my credit report the previous day. 

Under no-circumstance I authorized XXXX to run 9 requests on my credit report, I was expecting to have one hard pull but not 9 which is extremely damaging to ym credit. Also I do not understand why someone texts me to call but doesn't pick-up the phone ...
Product: Mortgage

I recently paid off my mortgage loan with Dovenmuehle Mortgage. It was paid off on XX/XX/2020. Although I called to cancel automatic drafts several days before payoff funded, they drafted a payment of {$910.00} on XX/XX/2020. I called them on XX/XX/2020, again on XX/XX/2020 and again today, XX/XX/2020. Each time they say they see loan was paid off, they see they owe me a refund, they have no idea why they havent mailed it yet ( told to me on XX/XX/2020 and XX/XX/2020 ) and that I can expect a check " any day ''. Today, i told them i was filing a complaint with CFPB. Hoping you can help them understand their need to follow basic laws. If I was a person who didnt understand my rights or that I had overpaid, I fear they would likely just keep the funds. These companies should not be allowed to hold money that is not rightfully theirs. Even more sad, my new loan was also placed with Dovenmuehle.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with ABSOLUTE RESOLUTIONS Account Number XXXX on my XXXX credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided.

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a 1099-C form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no 1099-C form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the Dodd-Frank Act, 12 U.S.C. 5531.
Product: Credit card or prepaid card

In XX/XX/2021 I applied and was approved for a Chase Saphire credit card. The card pricing and terms attached to application stated that the APR would range from 15.99 % to 22.99 % based on creditworthiness. The pricing information further explained that the prime rate is 3.25 % and Chase will add 12.74 % - 19.74 %, depending on creditworthiness, to determine the APR. After receiving my card I learned that my Purchase APR is 19.99 % and my approval letter states that they used my FICO of XXXX to determine my rate. The score has a range up to 900. So they added 16.74 % ( out of the range of 12.74-19.74 ) to the prime of 3.25 % yet my score was almost the highest possible. I called Chase and explained my concern asking how is it possible that Chase uses my creditworthiness score of XXXX to then add the higher margin to the prime rate? I explained that I would have expected to be towards the lower end of the margin range XXXX ie closer to 12.74 % instead of closer to the upper range of 19.74 % ). The agent said the credit analyst ( I cant remember the exact title of the person she referenced ) reviewed my application and made the right decision regarding the APR. Its very likely that no analyst actual evaluated my application because the approval decision, APR, and credit limit are all determine by an AUS that uses FICO score and income. Chase then sent me a letter stating that theres was no promotional rate available, which didnt make sense because I didnt claim there was a promotional rate ; I complained that I believe they didnt get it right when determining my purchase APR.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

I notified XXXX, Transunion and XXXX multiple times to reinvestigate these accounts and demanded removal of the account due to inaccuracies and fraud due to identity theft XXXX XXXX XXXX Account # 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 and I did not authorize these companies to furnish my information The Fair Credit Reporting Act 15 USC 1681 section 602 A. States I have the right to privacy 5 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.

15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
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 XXXX and TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have tried disputing this with XXXX, Transunion, and XXXX  for years. I have never opened an apartment in the name XXXX XXXX. I was never old enough to have an apartment in my maiden name. I didn't move out til I was married and my name on my first home was XXXX XXXX. I haven't lived in XXXX XXXX XXXX Look at my past addresses on my report!! I have no clue what this is. I have really started trying to fix my credit. I have absolutely no other collections. I am usually not late on anything. It's the only collection that I have had. Because it isn't mine! I have certified mailed multiple letters to the credit bureaus asking for them to investigate. All that they do is send me a statement saying it was verified and I owe the money. It is my legal right to request the documents that they used to verify this debt. I have NOT gotten anything from the bureaus or from the collection company verifying this debt. I have never seen my signature on anything. I have begged and begged these companies to fix this. And they just keep coming back as verified. Without sending me proof! All that they do is send me a letter saying it's verified. And they are also reporting different information. I printed out all 3 credit reports and I circled where each bureau is reporting different information. And they still are reporting different information. This collection company keeps changing the amount of money owed too! They will report that I paid {$13.00} and then the next month add on {$13.00} and the next month say I paid {$13.00} and it goes back and forth because the collection agency knows what they are doing! I never paid anything because I do not owe them anything i do not know this apartment or the company! They are trying to keep saying i paid/owe more money each month so that my credit score can fluctuate. And the credit bureaus allow this! I will attach the letters that i have sent to the bureaus regarding this same issue over the last year. One bureau ( Transunion ) says that this collection is closed. And my credit report says i have 0 collections. But then XXXX and XXXX has these accounts opened and are reporting either that I paid or owe more money each month. If I am allegedly paying {$13.00} one month and then owing {$13.00} the next month with equifax then how come the same isn't being reported to transunion ( because they closed the collection on that credit report ) and experian doesn't report this back and forth {$13.00} charge. The bureaus even have different charge off dates for this account. I thought legally, per the FCRA, that they all had to report the same exact information to legally put it on my credit report. And if they don't then they have to legally delete this from my report? Why are laws not being followed? I sited many of these in the letters that I sent to them. I have attached the two letters I sent requesting documents and stating laws they have to follow. I have also attached the receipts where they have received these letters.
Product: Debt collection

on    XX/XX/XXXX       XXXX   XXXX   XXXX   XXXX    address   XXXX   XXXX   XXXX   XXXX  , new jersey  XXXX  Phone number  XXXX , filed case against me case number   XXXX   XXXX   in   XXXX  county  on beh alf of UNIFUND CCR, addr ess   XXXX   XXXX   XXXX   XXXX   OH  XXXX  phone number  XXXX , which was dismissed  on  XX/XX/XXXX  b ut till today 's date    XX/XX/XXXX    there is a judgement showing on my credit report by Unifund when I call  Unifund th ey told me to call   XXXX   XXXX   XXXX  . when I call   XXXX   XXXX   XXXX   they told me that they have nothing to do with this case. I have to call unifund so that 's why I am requsting you to help me with this. there are some more points I want to bring it to you that they did wrong to me   XXXX   XXXX   XXXX   they stated on court that they got all my record indicates that the sources of the address used for service of process of summon and complaint came from plaintiff 's ( Unifund ccr ) records but my  XXXX  credit report showing that   XXXX   check my report  on   XX/XX/XXXX   I ha  ve the proof if u want I can submit them to I think this is a fraud.      unifund ccr this account they have nothing that 's why case dismiss in court but to missed up my credit report they put judgement of current date so please help me to fix my credit report
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX, XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX  Late Payment XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am being HARASSED by Dynamic Recovery Solutions. On XX/XX/2016 I filed a complaint with the Consumer Financial Protection Bureau ( Case number : XXXX ). In the complaint, I stated that Dynamic Recovery Solutions was in violation of the Fair Debt Collection Practices Act ( FDCPA ) ; namely, they failed to provide a written notice regarding an alleged debt. On XX/XX/2016 Dynamic Recovery Solutions responded ( via the CFPB ) to notify me that my relief would be the following " THERE WILL NO FURTHER CONTACT FROM DYNAMIC RECOVERY SOLUTIONS. '' However, not two months later, Dynamic Recovery Solutions has resumed calling me and leaving voicemail messages. I received the first call on XX/XX/2016 at XXXX CST from telephone number XXXX ; a voicemail was left. I received the second call on XX/XX/2016 at XXXX CST from telephone number XXXX. Another voicemail was left and stated : " Hi I am reaching out to you today from Dynamic Recovery Solutions, a debt collector. Please give me a call back when you receive this message. My number is XXXX. I would appreciate a callback today if possible. Again our toll free number is XXXX. I appreciate your cooperation. 

As you can see, Dynamic Recovery Solutions did not honor their word ; they are still contacting me. What is the point of having laws and this bureau if debt collectors, such as Dynamic Recovery Solutions, do what they want? I want all communication to cease and desist effective immediately or I will have to take more serious action.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX and I decided to end my lease without penalty or fees. After moving out the agency sent two letters with two different amounts charging me for items I had given back to the property management or complained of decision we agreed on in XXXX XXXX XXXX. XXXX XXXX have charged me for items I requested to be fixed such as mold, leaking water, etc. I have spoken with lawyers in which informed me to wait until they send me to court. After requesting for several months for my move out letter, I spoken with XXXX XXXX on XX/XX/year> whom informed me on voice recording that there was a mistake. When residing at XXXX XXXX, the company has sent me to court several times after being told by local Human Resources to stop because I was covered under the Covid Memorandum for extended rental assistance. My rights has been violated several times. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. They have placed my children and I in rough position when searching for further housing. I am currently facing an economic hardship because of this company deception. I have no acknowledgement of the amount reported on my credit. The company has harassed me and sold an inaccurate debt to Hunter Warfield,. I have been written and verbally informed that I do not owe.
Product: Mortgage

I financed a home with an FHA mortgage in XXXX, XXXX, which was then sold to Freedom Mortgage. Because interest rates dropped, I refinanced the loan in XXXX, XXXX on a streamline refi. The title company, mortgage broker, and I all tried to obtain a payoff for the end of XXXX, but were unsuccessful until XXXX XXXX, which meant that the loan could not possibly close by XXXX XXXX. During this time, Freedom called me to see if I would consider refinancing with them instead of my current broker. I declined but they still did not provide the payoff until XXXX XXXX, which was good only until XXXX XXXX. After approximately 10 days, I called Freedom to see when I would receive the refund of my escrow account. I was told that it took three weeks because they had to determine if charges were pending against my account. I asked them what would be pending, and after looking at the account, they told me there were no pending items and I should receive the balance of my account ( est. {$2400.00} ) in approximately two weeks. I received a check from Freedom but for {$1400.00}. I called several times to get an explanation from Freedom but was told it was all mortgage insurance premium ( MIP ). Finally, the last representative told me that {$290.00} was MIP, and the remainder was a full month 's interest that they were required to charge on FHA loans since the loan did n't close by the end of XXXX. First, I do n't know how there could be additional MIP when I was told earlier that there were no pending charges on the account. Second, the FHA rules changed for all loans originating after XXXX XXXX, XXXX to require interest only to the date of closing, not for the full month. When I told the Freedom representative that, he said their training requires a full month, and that my mortgage broker and I were both wrong. They have not refunded the additional {$1000.00} due to me. 
Based on the responses I received from Freedom, I believe that this is a systematic effort on their part to overcharge consumers for MIP and interest not due to them. I believe that if you investigate all FHA mortgages owned by Freedom that originated after XXXX XXXX, XXXX that were refinanced, you will find that they have systematically overcharged consumers for both MIP and interest, and that they have deliberately delayed provision of payoff amounts to maximize the interest retained by Freedom.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - ( I PAID OFF AN OLD ACCOUNT BUT THIS INQUIRY HAS NOTHING TO DO WITH THAT ACCOUNT. THIS IS A NEW REQUEST I DID NOT AUTHORIZE XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - THERE IS AN OLD XXXX ACCOUNT ON MY CREDIT, WHICH IS BEING REMOVED DUE TO FRAUD. THIS INQUIRY OCCURRED AFTER AND WAS NOT AUTHORIZED XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute letters were sent to the credit agencies and they did not delete the account that is affecting my credit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting

Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.