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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Credit Bureau ( CFCB ) has recfiled a lawsuit against Experian, allegiing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

Sold my home via short sale on XXXX/XXXX/15. Mortgage servicer received and acknowledged payment on same date. Mortgage servicer did not post payment and show account as paid in full until XXXX XXXX, 2015. This action causes undue and unnecessary tax consequences to me. XXXX was sent and acknowledged and the request to correct was denied ( see attachment ) Mortgage company 's request for HAFA and HUD-1 was unnecessarily duplicative and presented only to delay the closure of the loan. Please correct the day of the paid in full date to reflect XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

I had a care credit credit card that I have successfully paid off info and account is not closed. 

There was a second account opened with another user without my permission. I was not aware until I contacted synchrony Bank.. and then filed a report for fraud with the company and have reported it as fraud with the credit bureaus. 
My next step is to hire a lawyer to have this removed, because this was fraudulently opened. 

I do not know if they are confusing. My current paid enclosed account with someone elses, but it is affecting me and my credit score and it should be against the law because I had no knowledge of this.. my next course of action is to hire lawyer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX   I received a copy of my credit report. I noticed that you are reporting this account incorrectly. The payment summary is not accurate at all. The following Dates are inaccurate, For the year XXXXXXXX EXPERIAN is reporting 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 Therefore is inaccurate credit reporting. According to the FCRA, I have the right to an accurate credit report .Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completing
Product: Debt collection

Good Morning, I am unaware of this debt, I did nt hav the opportunity to dispute this information.I did not receive proper notification. If in fact you believe I have given me the proper notification, then please provide the proper notification or written notice or certified mail receipt with my name on it and my signature stating that I received notice. 

Collection Company : Credit Management Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX 
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 accounts 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 these 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 or other personal consumer reports

These accounts is written as a charger off but I didn't receive my 1099C cancellation of debt form and because of that is account is inaccurate and have to be removed. 

XX/XX/XXXX amount XXXX, XX/XX/XXXX amount XXXX. XX/XX/XXXX amount XXXX XXXX XX/XX/XXXX amount XXXX XXXX XX/XX/XXXX amount XXXX. XX/XX/XXXX amount XXXX. XX/XX/XXXX amount XXXX $ I requested from all companies the for my 1099C.also I didnt give consent for these accounts to be sold I didnt authorize my information to be given out.
Product: Checking or savings account

On XXXX XXXX, XXXX Sunday I mailed a check to my sister for {$100.00}. It was fished out of the mailbox with sticky mouse traps and the check # XXXX name and amount was changed to {$12000.00}, The transaction went through the Signature bank Friday XX/XX/XXXX, XXXX, and I reported the theft to the bank by phone ( XXXX ). Monday XX/XX/XXXX XXXX the bank called their Fraud dept. 
I made a report with the Attorney General 's office. I made a report with the NYPD ( XXXX ), XXXXXXXX  They are well aware of this issue. 
I made a report with XXXX XXXX  ) ( XXXX ). 
Today XX/XX/XXXX. Signature bank, was able to reverse the transaction of Check XXXX and my money was returned. I was lucky and vigilant but people are being separated from their money with this con game. I spoke to my Postal delivery lady today and mail Theft is getting out of hand. They are breaking into Postal boxes in the apartment bldgs. One person
Product: Debt collection

Since regulatory action was taken against this agency in XXXX 2015 by the CFPB for inconsistent information, the validity of any alleged debt produced by this organization should be called into question. An attorney has reviewed any of my alleged debts and has advised me that I am judgment proof. However, this company decided to obtain XXXX XXXX XXXX to collect on an alleged debt owed to XXXX Bank/XXXX ending in XXXX. They proceeded with a XXXX XXXX XXXX, NJ, XXXX for a total alleged amount of {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 experian says that XXXXXXXX XXXX XXXX  collection is valid. I paid off the collection with the original creditor in early XXXX. XXXX XXXX XXXX XXXX had my wrong name and address. Thats why I never go the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, A XXXX-day late payment was filed against me last week from SUNTRUST BANK that I did not recognize, I had done some research and it turned out that XXXX XXXX had sold my loan to TRUIST BANK ( ALSO KNOWN AS SUNTRUST BANK ). I had reached out to XXXX XXXX, and they stated that my loan was in fact sold to TRUIST BANK back in XXXX and I should have received a notice from TRUST BANK also and provided me with TRUST BANK account number. I had reached out to TRUIST BANK on XX/XX/2023 and they acknowledged that they had both the incorrect contact number and incorrect address on profile. 

- The representative from TRUST BANK had acknowledged that the mailing address on profile is not a valid address, the zip code only had four digits, the mailing address shown on their profile which they claimed is what they received from XXXXXXXX XXXX is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The correct city should be just XXXX, and the correct zip code should be XXXX. 

- The representative from TRUIST BANK had acknowledged that their account had the incorrect contact phone number as XXXX which is not my contact number. 

- The representative from TRUIST BANK had confirmed the error that they would file the dispute from their end to all three credit bureaus and I should be receiving the results in XXXX business days. I have not yet received an update on the dispute result. 

- The autopay Ive setup with XXXX XXXX was never carried over to TRUST BANK which results in the late payment and since TRUIST had the incorrect contact and mailing address I was never notified. 

- No email/letter/phone call was made from XXXX XXXX regarding the selling of the loan to TRUIST BANK - No email/letter/phone call was attempted by TRUIST BANK regarding the purchasing of the loan from XXXX XXXX. 

- I have not yet received any letters from any of the three credit bureaus and would like to also file the dispute myself because this negative impact has brought my credit score from XXXX down to XXXX. 

- I have filed a dispute with XXXX and the result just came back as of XX/XX/2023, the status shows the account is updated but still with a XXXX  days past due balance and nothing was fixed, my credit score is still at XXXX. 

- All three credit bureaus should have the 90 days past due from SUNTRUST BANK/TRUIST BANK removed and my credit score should be back to XXXX points. 

- XXXX still shows my balance with SUNTRUST Open. with XXXX  days balance of {$5.00}, XXXX past due as of XX/XX/2023. This should be {$0.00} balance as of XX/XX/2023. 


Best Regards, XXXX XXXX XXXX XXXX
Product: Credit card

Goldman Sachs is a XXXX  and this is a different complaint from the other one, so don't close it out and ignore it. Now when i apply for the card i get a imidiate nswer can not process application. 

I have contact the customer service number several times and each rep claims to have a different theory. 

I bet it's because XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Don't give me any XXXX  about can not verify me, my address is on my drivers lic, on my previous card with the bank, on my savings account with the bank and on my application. It matches my credit report. 

the XXXX  rep asked me to close my account i had to make a new one with my new apple id, i didn't have to that, i could just have kept it.
Product: Credit card or prepaid card

In XX/XX/2021, I used the Chase Ultimate Rewards portal to purchase a three night stay at the XXXX hotel by XXXX in XXXX XXXX for XX/XX/2021 - XX/XX/2021. I redeemed a total of XXXX points for the trip, equivalent to {$380.00}. 

Upon arriving in XXXX XXXX, we discovered that the hotel property was inaccessible, and had apparently been closed for months. I was fortunately able to find one remaining vacancy at the nearby ( more expensive ) Downtown XXXX hotel, and later in the evening was eventually able to make my first complaint with Chase Travel for a refund. The Chase support team was unable to make contact with the XXXX hotel ( since it was, of course, closed ), but told me the investigation would proceed. 

On XX/XX/2021, I received an email update that said Chase had " made multiple attempts but are still in the process of making contact with our travel partner for your refund. Please expect an email update from us within 72 hours. '' I followed up on this notice with several direct messages to Chase Support 's XXXX account, and was told their " Travel Team '' would be in touch " in the next 2 business days. '' On XX/XX/2021, I received an update that " We have advocated your case with XXXX, a XXXX  Collection by XXXX and due to their policy in relation to your reason for cancelling your reservation, they have unfortunately denied your request. ''
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Mortgage

My mortgage company, XXXX XXXX - now sold to Ocwen mortgage, has been trying to steal our house from us since 2008 through a modification. They did not apply payments for over 6 months, reported us as late, destroyed us financially & basically made our lives XXXX for the last 8 years. Currently the attorneys for the mortgage company are using lies to continue to try to steal our home. My full complaint is lengthy & detailed and will be attached.
Product: Credit card or prepaid card

On XX/XX/2019, I received a letter from Capital One, stating they deactivated my old card due to due fraud on behalf. I was to be reimbursed for the fraudulent activity. I received a new credit card, not allowed to activate it. After weeks of sending proof of identity, they called my energy supplier to confirm my residency. I was then told Capital One closed my account because I missed a payment on my old card. I didn't have the card in my possession and was told I had a returned check payment. I tried to explain that the person that stole my wallet/phone had access to all my information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX I made a purchase from a fraudulent website. I contacted PNC because I knew immediately it was fraud. The charge on my card was XXXX XXXX XXXX instead of XXXX. The representative told me I had to wait until it went through and then go online and file a dispute. I filed the dispute and never heard a thing from PNC. Never got an email confirming the claim was filed or anything. Then I contacted them and they just rudely said we have 90 days to investigate this claim. I switched from XXXX XXXX which was a huge mistake. XXXX XXXX would have credited my account for the charge and cancelled my debit card immediately. Then overnighted me a new debit card. PNC DID NOT EVEN CONTACT ME! On XX/XX/XXXX I made a complaint with the XXXX On XX/XX/XXXX I had charges show up on my account for XXXX, three for the exact same amount. Two of the charges the next day turned into XXXX charges. Again fraud on my account. I contacted them by XXXX XXXX and again no help. I was then called by someone from PNC. She was the most unhelpful customer service person I have ever spoken to and just told me we have 90 days to review the claim because the merchant. She told me I can go to PNC online banking and cancel my card. I told her I would make another complaint and she said that's ok because my department will that complaint too. Then she marked the complaint with the XXXX that PNC considers this resolved. She did not resolve anything. I can not believe how horrible this bank is!
Product: Mortgage

In XXXX, my mortgage with XXXX XXXX was bought out by Nationstar ( now Mr . Cooper. ) I had no idea this purchase had occurred, as the only notice I received was letters from Nationstar which in no way indicated that they were now servicing my mortgage. 

As a result, on XX/XX/XXXX I was charged a {$9.00} late fee, and in XX/XX/XXXX another {$20.00} fee ( see documentation below. ) I had absolutely no idea my mortgage had switched over to a new company and had to struggle to come up with multiple payments at the same time, and asked the new company to cancel the fees they had assessed and they refused. This unethical taking advantage of a customer who had no idea the mortgage had been transferred to a new servicer must not happen and this fees must be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in 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 to obtain credit. 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. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX**,
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Delete this account.
Product: Debt collection

- On or about XX/XX/2019, the Trust received from XXXX XXXX XXXX XXXX ( GCSLP ) an unsolicited, one page presentment ( Exhibit 1 ) alleging an indebtedness owed by the Trust to an alleged identified as JP MORGAN CHASE BANK, N.A. (  JPMCB ). 

- In response, on XX/XX/2019 via USPS CERTIFIED MAIL, I sent to XXXX a letter demanding the validation of the alleged debt and the production of and delivery to me the unaltered, unredacted, recto and verso, original instrument of indebtedness pursuant to my right and entitlement to an exercise of equity and legal right of subrogation. 

- Please see attached documents of proof of me sending the letter and its receipt by XXXX. In addition to that, please note that they are ignoring my request to modify account as satisfied, paid as agreed, which would result in changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

- It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Product: Bank account or service

I have not reached a resolution with US Bank. I have not been informed as to why US Bank allowed a merchant to debit my account for a return check fee. The merchant has laws it must abide by to collect its return check fees. Thus, the method used was not lawful and caused my account to become overdrawn. US Bank is not legally allowed to charge overdraft fees for electronic debits which US Bank charged me. The merchant never contacted me by letter to initiate payment of the fees, nor did US Bank follow its banking laws. In addition, US Bank charged me overdraft fees for items paid on XXXX/XXXX/2014. The items in which US Bank referred to in its letter dated XXXX/XXXX/2014 as unpaid were paid, yet US Bank charged me insufficient fund fees for each item paid. To my recollection the items debited my account on XXXX/XXXX/2015 and was paid on XXXX/XXXX/2014 leaving a balance of {$29.00}. Shortly thereafter, US Bank applied NSF fees to my account. I had paid the items and was still charged NSF fees which is not US Bank informed me of in a conversation regarding returned items. US Bank banking guidelines are not specific because it should state a specific time a customer has to pay NSF fees ( such as : XXXX hours, on the date of transaction, etc. ). Nonetheless, US Bank has been allowed to provide its customers with information not written under the banking laws guidelines. I am being XXXX thing or another and left to see what happens if I follow the information of its customer service online and phone representatives. This has cost me and I would like to have my money returned to me XXXX. I do not have any of my bank statements in question ; therefore, since US Bank has not a been able to come to a resolution that I agree with, I would like a copy of all bank statements from moths that my account had become overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax Data breach of 2017. I have been identified that Equifax says my DOB, SSN, drivers license, bank account, and credit card number have been compromised ( nice word for the XXXX XXXX has it ). They offer 12 months free ID Theft services. They stand to make untold fortunes on ID theft services after this time. They should provide free ID Theft services to all those involved for the rest of our lives. Help us please make this right!