23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my credit report on several different occasions and the CRA Experian refused to accurately investigate while sending correspondences back stating everything was accurate (Fraud). No reinvestigation took place. It is now XXXX and this account is still reporting inaccurate information. Experian Tracking #'s 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  
Not only does this account XXXX remain inaccurate, However, Experian continues to report a credit limit on a CLOSED account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  Afni, INC. Comcast has added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Afni, INC. Comcast has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Checking or savings account

I was payed for a service via personal check. However, I believed I was scammed and my account was closed but I was not informed why exactly it was closed. Another account was opened for me but I was unable to access it. Due to me being locked out of my account, the Chase team members were not able to give me much details on what exactly went wrong and why my account was closed. I don't understand why I was able to open another account but not be able to use it. I have been a member with Chase since XXXX and have never had any issues prior to this. I am a college student that opened the account for my college checking and savings. I'm in the dark about all that is going on and just want to find a resolution. I have no prior history of any company account closures or anything like that.
Product: Debt collection

Upon reviewing my XXXX XXXX I have identified inaccurate accounts that need reporting and correction through your company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately 1. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute Equifax XXXX XXXX   XXXX XXXX   XXXX Second Round Equifax XXXX XXXX   XXXX XXXX   XXXX
Product: Mortgage

US Bank offered then refused to cancel my PMI after my appraisal brought a lower LVI estimate. I've been paying my mortgage every month on time or early. How can a federal law allow a bank to choose it's own appraiser?? Doesn't this give them the advantage if they get a low-ball appraiser? If I had put 20 % down in the first place I would not pay PMI and would't have to add it if my " home value '' lowered. I should be allowed to either lower my PMI rate or cancel it entirely given that the rule only favor the bank
Product: Mortgage

BB & T acquired our condo mortgage from XXXX XXXX this year. The condo association purchases flood insurance. BB & T has been provided with evidence that the flood insurance coverage is current and adequate. The BB & T web site actually shows active flood insurance for our account. HOWEVER, BB & T HAS SENT TWO LETTERS STATING THEY HAVE NO EVIDENCE OF FLOOD INSURANCE AND THEY WILL PURCHASE FLOOD INSURANCE AT OUR EXPENSE. The first letter was dated XX/XX/20. I have made several attempts to resolve this issue with BB & T. It is apparently not possible to discuss the problem with a human being by calling the phone number provided in the BB & T letters. Although BB & T does not provide an email address for customer service issues, I did locate an email address for XXXX XXXX XXXX of BB & T. Mr. XXXX did not respond to my email. Apparently, Mr. XXXX and BB & T do not prioritize customer service.
Product: Debt collection

This company is attempting to collect a debt from me that has been paid in full over 2 years ago. The debt was paid to a collection agency XXXX XXXX in XXXX of 2016. I have discovered that this company has a history of illegally attempting to collect debt, and I have now fallen victim. I have tried several times to reach them by phone and they have re-directed me to another company named XXXX ( phone number XXXX ) When I asked for an explanation as to why they are listed as the debt collector they stated they own the debt and XXXX services the debt. When I call XXXX several times, I can only leave a message and have gotten no replies back. As a consumer this is unfair and illegal, and I would like it if someone can investigate these companies. I am trying to obtain the bank statements from my bank, but because it was more than two years ago when this debt was payed in full, there is a process. I have also filed a complaint with the XXXX, as this is a very unfair practice to an innocent consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to Equifax asking for information about accounts on my credit report Im not familiar with. I asked Equifax to kindly please advise me as to the correct name and current address of the creditors, the name of the account holder, and the reported date of first delinquency for these accounts as any account I might have had at one time would be obsolete. I also asked Equifax If they can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. My request was completely ignored, and Equifax showed no regard for my concerns by just sending me a generic response to my request claiming the accounts were verified. 

Check attached Equifax response sent to me on XX/XX/2018 file number XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability apply for Job opportunities to take care of my family. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below since you ignored my request and refuse to properly verify defaming accounts on my credit file. Show me the contracts and method of verification or delete these accounts immediately. Please also remove your fraud alert from my credit file. I did not ask for one. 

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

Everything I try to do or go to do is not accepted I try to access anything for myself or family benefits of them passing away and I am not allowed to do anything. I always get re routed and told a bunch of use less information. I am having trouble with my attorneys and receiving the payment from the sale of my house. Please help me I really am in a bad situation asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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. 

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

15 U.S.C 1681 section 604 A. SECTION 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STARS : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A OERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF TH PERSON KNOWS OR HAS REASONABLE CAUSE TI BELIEVE THAT INFORMATION IS INACCURATE
Product: Debt collection

I am a Federally Protected Consumer and Resurgent Capital Services has attempted to collect on an alleged debt. Resurgent Capital Services mailed me billing statements from XXXX-XXXX XXXX XXXX XXXX. Resurgent Capital Services has invaded my privacy. 
Pursuant 15 USC 1692c ( b ) I never gave Resurgent Capital Services written or oral permission to have my personal information. Pursuant 15 USC 1692b ( 2 ) Resurgent Capital Services can not state that such consumer owes any debt ; Resurgent Capital Services mailed me billing statements from XXXX XXXX XXXX XXXX along with an account summary from the " original credior '' XXXX XXXX. According to 15 USC 1602 ( g ) I am the original creditor. Resurgent Capital Services, XXXX XXXX XXXX XXXX and XXXX  XXXX  can not create, extend or give credit. Please the attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I sent Bureau letters last XX/XX/2022 incorrect accounts are still reported to my personal credit file. The 3 Bureaus Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified accounts without providing any proof required by law. The 3 credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate & I never authorized for my credit to be accessed. Here are the list of accounts that needs attention in my file : XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX of the XXXX family. It is my goal to ensure that all personal information reporting on my credit report is 100 % accurate. I recently checked my credit reports with XXXX XXXX, XXXX, and Equifax and noticed that there are several addresses being reported. How can this be? I I only dwell at one address. I am seeking remedy to correct and update my credit reports to reflect my only address as : XXXX XXXX XXXX. XXXX, PA XXXX. Please delete all other addresses to ensure maximum possible accuracy. I have attached a copy of my driver 's license which has my correct address. Thank You.
Product: Debt collection

On XXXX XXXX, 2015 I called XXXX. I verbally requested that they send me verification that they owned the debt. I also wrote them on XX/XX/XXXX and have yet to receive anything from them at all. I have requested that they stop reporting to the credit bureaus and they have not stopped. When I disputed it with the credit bureau they responded back stating that XXXX sent them information stating that they own a debt that I owe. Well, I 'm still waiting on this as I have a right to see that they do in fact own any debt that I owe.
Product: Debt collection

I dont recall when but I went to XXXX XXXX XXXX in XXXX nj with stomach pain. Upon, y arrival the doctor told me he would like to do an XXXX. I said I can not afford out of pocket costs with my insurance because it is extremely limited. The cost of my weekly deduction was XXXX dollars. It is now XXXX dollars. For one person. A bare bones plan my job offers simply to avoid the fee they would be required to pay if they did not offer it. The doctor office and my insurance company both said the procedure would cost me XXXX dollars out of pocket as long as I did it in the doctors facility. If there was anything else there would be a small fee I would be billed for. Again I asked numerous times if every person involved accepted my insurance to which I was told yes. About 4 weeks later I received a bill for over XXXX dollars. This is not a small fee. The anesthesiologist did not accept my health insurance as I was previously told they did. It was sent to waterfall revenue group. I told this doctors office before I went for this procedure I couldnt not afford a large bill with my XXXX dollar a month rent bill and a XXXX girlfriend. So it went to collection. XXXX  agreed with my dispute and removed it from my credit profile. Now this company waterfall revenue group has opted to drop it onto my XXXX report causing my score to drop 40 points in one day. The doctors office lied to me. New Jersey has a no  surprise bill law. This bill is the biggest surprise Ive ever gotten.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX In accordance with the fair credit Reporting act XXXX  Accounts # XXXX & # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Also I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

In regards to : AFNI, Inc XXXX XXXX XXXX XXXX XXXX . 
or XXXX. XXXX XXXX XXXX, IL XXXX I requested a debt verification over the phone and never received it. So I decided to send a letter of verification by mail via XXXX signed delivery XX/XX/XXXX. AFNI received the letter on XX/XX/XXXX and was signed by XXXX XXXX. Today while checking my email I received a notice from my credit monitor that I have an update on my credit profile. AFNI reported to XXXX that I have an 'Account Considered Derogatory '. I know that my right is the be protected by the Violation of the Fair Debt Collection Practices ( FDCPA ) and that while a validation is in process the collection agency is not allowed to report to any of the 3 major credit bureaus. I am just trying to stretch my right to request verification under 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Product: Money transfer, virtual currency, or money service

I had someone send {$2500.00} usd to themselves through Zelle without my consent. I filled a claim with my personal bank XXXX where the funds were taken from and they said there was nothing they could do. I had to reach out to Zelle. When i reached out to Zelle. They said there was nothing they could do to help that i had to contact my bank XXXX. The money was transferred XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told I needed to make a report about this unauthirized use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : I had one late payment out of 36 payments on a car lease. The reason the payment was late is that my online banking service failed to deliver it on time.I called XXXX XXXX  and they even wiaved the late fee. Im unsure why this is still negatively affecting my credit. 
I have two car leases that I'm paying today and I'm never late. Furthermore I've been leasing vehicles since 2000 and I've never had a late payment in 20 years! 
XXXX XXXX : I have no idea what this charge is. It appears to be a medical bill.
Product: Mortgage

XX/XX/year> my automatic mortgage payment from XXXX XXXX bank did not go through to 5/3 bank which is our mortgage company. I received noticed via email and that there was a late fee. I called the banks right away and both denied it was on their end. The payment was reversed due to an account not found. My account info was never changed. I then paid immediately via phone and they said it wouldn't happen again. 

XX/XX/year> the same thing happened except due to insufficient funds. However funds were in the account and I paid again immediately over the phone. However the mortgage payment taken from my account was never applied or returned to my account. 

XX/XX/year> it happened a third time. I finally got both bank supervisors on the phone to try to resolve the problem but both denied the issue is on their end. 

I want this issue resolved immediately, for all late payments to be resolved, for my missing mortgage payment to be returned with interest for the time held, and guaranteed auto payment will continue in the future.
Product: Checking or savings account

I would like to file a complaint regarding my Certificate of Deposit ( CD ) with MTBank. My CD expired on XX/XX/XXXX, and I did not want to renew it. However, I never received any notification about the expiration, and I only became aware of it last week. Unfortunately, due to personal reasons, I am currently outside of the United States and unable to visit a local branch to resolve the issue. 

When I called previously, the agent assured me that I did not need to worry as I had a 10-day grace period, which was stated to be in business days. However, when I called today, I was told that the grace period is actually 10 calendar days, and that my CD had automatically renewed with a significantly lower interest rate, which is only one-fifth of the original rate. This is completely unacceptable. 

When I explained that I am abroad and can not return to the U.S. to handle the situation, I was still instructed to go to a local branch and was told that there is nothing they can do. I can not accept having my funds locked for another 6 months, and I urgently need access to my money. 

I request immediate assistance to resolve this issue, as the current situation is unfair and unreasonable.
Product: Credit card or prepaid card

My specific complaint is that Capital One Credit Cards apparently changed to a " floating : '' billing cycle and this make it impossible to know the exact end of the billing cycle each month. Used to be the XXXX, now it apparently floats and they indicate nowhere on the statement of the app what the closing date for the next month is. I've worked very hard to maintain XXXX balances and this changes has caused me to have a balance for this month. The lack of transparency on when the billing cycle closes is very problematic for the consumer. I called them and they basically told me to go kick rocks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Student loan

Not mines I never signed any paperwork to go back to school I do construction Im in the union I have a career
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed over XXXX reports to the CFPB against XXXX & Experian 's inaccurate reporting already. They are not removing fraud on my credit report and need to be ordered to remove it without an investigation. 

They are wrongfully verifying the fraud as accurate and not providing details on how it could be.