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

On XX/XX/23, I submitted a mortgage pre-approval request to Chase Bank to obtain information on what would be needed for to be pre-approved/approved for a mortgage through them. In the application, I selected that I did not consent to a credit pull. I spoke with a lender shortly after, who requested additional information. After the phone call, My wife and I both received notifications that a hard inquiry had been made on our credit by Chase. I then spoke to the lender again on XX/XX/23, who attempted to mislead me in to believing I had consented to the credit pull on the application. During a second phone call that day, the lender admitted I did not digitally consent, but that I had verbally consented, which I had not. 

On XX/XX/23, I attempted to contact the lending manager regarding this issue and received no return call after leaving a message. On XX/XX/23, I sent an email to the lending manager detailing the situation, their failure to return my call, and requesting contact within 24 hours. The lending manager contact me on XX/XX/23, following the email, and stated that they would begin the inquiry removal and it should take approximately 5 days to remove the inquiry and they would update me with additional information. On XX/XX/23, a member of the Chase Escalation Department contacted me to request details and informed me they would have the inquiry removed. 

On XX/XX/23, after receiving no additional information or contact, I sent a follow up email to the lending manager requesting an update on the situation, as the inquiry was still on both my wife and I 's credit report. He replied and stated that the matter was being handle by the " Executive Department '' and that he would inform them I would like an update and would update me when he had information. He then sent a follow-up email stating it was being worked on and he would provide information when it was available. I also received a second call from the escalation department, and a voice mail, stating it was being worked on. I also received a letter from the individual in the escalation department stating they would have answers by XX/XX/23 ( 30 days past the initial request for removal ). 

On XX/XX/23, I again received a call from the individual in the escalation department, on a recorded line, stating that their solution would be to " mask '' the inquiry so that it would not be visible to a company performing a credit pull, and would not affect my credit score. When I brought up that it was still visible on my report and my score still reflected the pull, I was told that " I could see it, but companies would not be able to. '' When asked when the inquiry would be REMOVED from my report, I was told they could not remove it an only mask it. 

Their actions violated the Fair Credit Reporting Act regarding non-consenting credit pulls.
Product: Debt collection

They have called me several times a week for monthsthe latest dates are : XXXX XXXX that day, XX/XX/XXXX XXXX that day, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with Portfolio Recovery Assoc, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transion Union, XXXX All 3 of these Companies are displaying in Correct info on my Credit Reports and is causing me to not receive services from buisness i wish to do buisness with.
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to investigate or even properly reinvestigate disputed accounts listed in this complaint. 
Furnishers report differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX has violated my rights under the law 15 U.S.C 1681 Section 602A - I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604A ... .Section 2 - A consumer reporting agency can not furnish an account without my written instructions. The following account numbers have violated my rights under the law 15 U.S.C 1681 Section 602A and 15 U.S.C. 1681 Section 604A : Collections Accounts : XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

I signed up to receive my security deposit back by direct deposit on my discover credit card. The money was processed to be sent back on XX/XX/21 I was told by multiple agents I would receive it within 3 business days at most. Then after the 3 business days they told me it would be sent by check and they didnt know why and that it would take 7 business maximum. It has now been over 7 business days and I reached out and they are now giving me the run around and have given me no concrete answers.
Product: Credit reporting or other personal consumer reports

XXXX is refusing to delete the accounts off my credit report and from their files. XXXX, Transunion, and XXXX are not doing a proper investigation and are accepting a stall letter. Per the FCRA I'm entitled to {$1000.00} per violation which equals {$3000.00} per bureau which should be enforced. Each company has a history of failure to do proper investigations and must be held accountable.
Product: Credit card or prepaid card

I paid my XX/XX/XXXX Synchrony Sams Club MasterCard payment via Bill Pay from my bank on XX/XX/XXXX. I have attached the payment details from my bank showing that the payment was made to Synchrony ( XX/XX/XXXX ), delivered by USPS ( XX/XX/XXXX ) and cleared my bank ( XX/XX/XXXX ). I called in to make the dispute on XX/XX/XXXX and mailed the proof to 2 Synchrony addresses. Synchrony closed the dispute stating I did not provide proof. I dispute again in XXXX via their online dispute form. On XXXX Synchrony closed the dispute again saying they could not find the payment. I called customer service and was told that the check orientation was not correct and they couldn't read it, however, the check was in the correct position when I reviewed my dispute. I spoke with a supervisor who was able to read the tracking numbers and said my account would be credited within 30 days. However, my account still has not be credited with my first payment and correcting their mistake should not take this long. Synchrony receiving a paper check from my bank 's bill pay system is no excuse! I had to pay all subsequent payments in store, since Synchrony can't seem to process payments correctly.
Product: Debt collection

On XX/XX/2022 at XXXX I called to discuss the debt with the collection company. I was asking why my move out statement shows an outstanding balance of {$1000.00} but their charging me {$1500.00}. They stated they are unable to see the statement. I asked for the email address so I could forward it to them. The agent proceeded to inform me I have until XX/XX/XXXX at XXXX to pay the balance of {$1500.00} or else the would proceed with " legal action '' against me.
Product: Mortgage

My mortgage company has not sent me a statement for the most recent billing cycle and I am unable to access my account online. 
This happened to me last payment cycle as well and they misapplied my payment.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Improper Reinsertion of Deleted Account XXXX XXXX XXXXXXXX Dear CFPB Representatives, I am writing to file a formal complaint against EQUIFAX for the improper reinsertion of a previously deleted account into my credit report. The account in question is XXXX XXXX XXXX, which was removed following a successful dispute and has now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ). Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion. 2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me. 3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction. 4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions. 5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me. Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to EQUIFAX failure to comply with the law. Requested Action by the CFPB : 1. Investigate the improper reinsertion of the account XXXX XXXX XXXX. 2. Require EQUIFAX to immediately and permanently delete the account from my credit report. 3. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion. 4. Take corrective actions against EQUIFAX to prevent such occurrences in the future. I have attached copies of relevant documents, including : A copy of my current credit report showing the reinserted account. Previous correspondence related to the dispute of this account. Evidence that the account was previously deleted. I appreciate your attention to this matter and look forward to your prompt response and resolution. I am available to provide any additional information needed during your investigation. Sincerely : XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I paid my credit card via my online bank on XX/XX/20, on XX/XX/20 money received by Capital One credit XX/XX/20 payment is due. On XX/XX/20 Capital One charged {$30.00} for a late payment. Called Capital on on XXXX XXXX and was told payment was there but pending? Got statement for XX/XX/XXXX- XXXX LATE FEE {$30.00}. Payment is not late.
Product: Debt collection

3 years prior I contracted with XXXX for a 12 month agreement at XXXX per for a voip line, at month 13 they tripled cost, I completed contract so I cancelled service, they continued to bill my account of which i had removed from their website, so they collected funds not owed, without my consent. I received a letter on XX/XX/20 from RMS, receivables Management Services a 3rd party collection company, attempting to collect a debt that is erroneously.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, XXXX and Experian are reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number XXXX. This includes late payment ( XXXX ) 60 days from XXXX XXXX This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, Experian and XXXX in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, XXXX and Experian have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Checking or savings account

On XXXX I received an email from venmo about my account triggering some security alerts. They temporarily restricted the account for the day and no other email was sent about why it was being restricted. Then on the XXXX I get email stating I need to update this and that which I had just received a new card at the start of the month which makes no sense all my stuff was already updated but then they send me emails stating I'm signing in with a new device which I've had this device for over 6 months. Now they want to tell me with no explanation that my account is suspended and have to wait over a week to here from them via email by an account specialist. I have two direct deposits I can't touch and {$400.00} in the account and no one wants to help.
Product: Credit reporting

I HAVE BEEN DENIED FOR A JOB BECAUSE OF INCORRECT INFORMATION ON MY CREDIT REPORT. I am not able to reach Transunion over the phone and not allowed to access my report online.I have disputed judgments that have been vacated, and I have documentation for a car loan that was dismissed in court. I want these items removed from my credit report immediately.
Product: Mortgage

Sorry, I didn't see any drop down selection for a complaint related to PMI waiver under the HPA. 

I called my mortgage servicer, Amerifirst Home Mortgage, on XX/XX/21 to ask them to commence a PMI waiver. They asked me to provide a list of improvements made since I purchased that property a year ago. I asked them to confirm if they needed receipts or other documentation. They said no. 

A few days later on XX/XX/21 I received a canned email saying they got my list of improvements and that I should call them again to pay for the BPO / Appraisal. When I called on XXXX they said they would not order the BPO / Appraisal until I submitted itemized receipts for the improvements. Per discussion with the manager, they said this was a requirement from XXXX / XXXX. Per the provisions of the HPA I don't see any reference to these additional requirements to obtain the BPO / Appraisal.
Product: Credit reporting or other personal consumer reports

I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General 's Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX 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

I have had an account with XXXX for some time and this is now the second time this has happened for the same transaction type and client- I received a somewhat large ( to me ) payment from a client for a second deposit on funds I need to access today to complete work for them. Immediately after they sent it, my account was put on hold " pending verification, '' yet I was never asked for additional verification prior to this and I did already give them my passport, which almost all other similar companies can verify immediately via a third-party service. The payment was made via credit card and already processed from the client end, so I inquired about what the hold up was and got no real explanation other than to just wait. So, they are arbitrarily just holding my funds for no reason which is going to preventing me from starting work with this client who paid for services they are expecting to me rendered and I can not do now because XXXX is withholding my money. Additionally, last time, they called my client directly to verify ( which they did, but though XXXX was very unprofessional in doing that ), so this is not a new transaction to them.
Product: Debt collection

My name is XXXX XXXX and I received a copy of my credit report and was shocked to see two collections for XXXX XXXX XXXX/XXXX XXXX. I have never had that service but my father did. When he became ill I would help him when I could. He would give me his account information and I would pay his bills for him, or run errands, pick up groceries and things like that but at no point was my name on any of his bills. As a son I would just help him when he needed it. After he XXXX XXXX I no longer had access to his private information nor did I need to. My father 's name was XXXX XXXX and I do n't see how they can get that confused with XXXX but there is diffidently a confusion. Those two bills are not mine and have never been mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were created without my consent. I did not authorize any of these transactions. 

XXXX XXXX  Balance {$1100.00} opened XX/XX/XXXX / XXXX/XXXX  Balance {$4500.00} opened XX/XX/XXXX SUNCST CU Balance {$2000.00} opened XX/XX/XXXX XXXX ( Original Creditor 11 XXXX  ) XXXX opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} opened XX/XX/XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$1100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX  Balance {$34000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think legally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.