23daVinci/CFPB_Complaints huggingface dataset:
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I WAS TRYING TO OPEN SOME ONLINE CHECKING ACCOUNT IT WONT GO THROUGH FOR SOME REASON
Product: Mortgage

We bought a house through XXXX in XXXX XXXX. We wrote the contract on XX/XX/XXXX. Our banker claimed he did n't get it until the XX/XX/XXXX. Our original closing date was XX/XX/XXXX Then the last week they can back and said we needed more water tests other than coliform and nitrate that he claimed was a new FHA standard that they needed pH and lead also which we had to rush and a septic inspection on a XXXX septic and leach field system that they said the install inspection was too old so cost us another XXXX for those. So that changed our closing date to the XX/XX/XXXX. So then 3 days before we close get our disclosure and there is an extra XXXX fee for a rush appraisal. When he told us our appraisal fee was XXXX and the credit reports was XXXX and we wrote a check for XXXX the day way signed the application on XX/XX/XXXX. And he said he would order it that day. The Appraisal was done on XX/XX/2016 So do n't understand the rush fee and nothing being said. And a XXXX unexpected fee 3 days before closing. So the Appraisal cost us an outrageous {$780.00}. 
Very unhappy. But what do you do not close?
Product: Credit reporting

The following credit card company reported a late payment on my account when in fact they were paid on time XXXX reported non payment after I paid the account out Sears change card company name, so did XXXX XXXX when the changed the payment went to the old company and the reported a late payment when they had the payments ; The company failed to put in place a process for the payments to go into the new account, nor did they check and placed the payment in XXXX the correct account apparently they just kept the money without applying it to the correct account ; Instead reported me late to the credit reporting companies, I have made request to correct the error to know availed, I submitted proof of payments
Product: Credit card or prepaid card

Reported fraudulent charges on XX/XX/XXXX and they handled the claims poorly by checking on only one of the three claims and then closing the report. It took me 45 days and 3 contacts with Synchrony Bank to have another report opened on the other two fraudulent claims and another forty five days to receive any reports on their progress. 

In the mean time they have charged me interest on the fraudulent claims and late fees for non payment on the fraudulent claims. It is now XX/XX/XXXX and there are still charges on my account for the late charges on fraudulent purchases and late fees for non payment on fraudulent claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called this morning to have multiple inquiries removed from my report that shouldnt be there, Ive sent in multiple disputes requesting that the information be investigated & deleted but Transunion continues to violate the FCRA. I know for a fact the representative of the fraud department was being difficult especially if they could see theres been several disputes sent in regarding this issue
Product: Credit reporting

I checked my credit report just the other day. There is an account on my credit report from XXXX XXXX And XXXX opened XXXX XXXX, 2016. Balance {$800.00} There is no account Details the account status reads open. I did not get any information on this. I do n't know what this is, I do n't know what this is in reference to. I called Equifax last week I was speaking to someone as their system went down. I was on the phone 30 min trying to see what this account was. I asked the Equifax representative to send me documents that they had on file that they used to verify the accuracy of the above account. I have yet to receive anything Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
and Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. PLEASE REMOVE THIS UNVERIFIED ACCOUNT AND PLEASE REMOVE ALL NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD
Product: Debt collection

I reached out to the collection company about this debt collection the told me to make a ftc report and I did and now I would like this to be removed from my credit report
Product: Debt collection

I am writing regarding a Debt Collector, Howard Lee Schiff in XXXX CT. I am in receipt of a letter from the firm that they will be filing a lawsuit against me for their client on a bill that I believe to date back several years. 

They have provided no information on whom they represent as their client so I am not sure what this bill is regarding. Back in late XX/XX/XXXX I was a casualty of the financial crisis and fell behind on a few bills that I have worked to clear up. However I have not had any delinquent accounts since at least XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have Florida driver license, Checkr refuse to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a letter to the 3 credit agencies known as XXXX, Transunion and XXXX. As of today XX/XX/XXXX, I have yet to hear from XXXX. I heard from XXXX and Transunion. They deleted some of the incorrect information ; however my credit report is still inaccurate. As a result, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Again I mailed these letters on XX/XX/XXXX and I have yet to hear from XXXX. Therefore I am asking that they delete all of the accounts that I inquired about. I have enclosed parts of my credit report to show the inaacuracies that are still being reported. 

Exhibit A The past due amounts are clearly incorrect. Transunion is reporting that {$65000.00} is past due and XXXX is reporting that {$140000.00} is past due. 

Exhibit B The circles represent all of the inaccuracies. In regards to the payment history, XXXX is reporting that the account was charged off starting XX/XX/XXXX. However, XXXX is showing that the chargeoff started XX/XX/XXXX. Also all XXXX of the agencies are reporting that the balance due total is XXXX. However, I am receiving letters from XXXX stating that the balance due is {$12000.00}. XXXX  has been harrasing me about a balance due when clearly the due balance is XXXX. 

Exhibit C Transunion is reporting that I have no payments on the account under payment history. However, XXXX is reporting that I started making payments in XXXX of XXXX, This information is inaccurate. Also please keep in mind that XXXX deleted this account because it is inaccurate. 

Exhibit D XXXX is reporting that this account was paid on time starting XX/XX/XXXX and was charged off starting XX/XX/XXXX. XXXX is reporting that this account was paid on time starting in XXXX of XXXX and charged off in XXXX of XXXX. This is clearly inaccurate. XXXX is showing that the account was paid on time in XXXX of XXXX but XXXX is stating that it was charged off by then. Transunion is stating that I made no payments on this account which clearly contradicts everything
Product: Bank account or service

I have been a Chase customer since they bought WAMU, so 8 years now. They just closed my account with no notice and no notification. I have money in it. I do n't understand what is happening. I want my account back.
Product: Credit reporting or other personal consumer reports

I am formally requesting in this complaint to update the account in my credit profile that is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX : XXXX XXXX  Date opened : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} -- -- -- -- -- -- -- Equifax : XXXX XXXX XXXX Date opened : XX/XX/year> XXXX Balance : {$0.00}. In addition please provide evidence that the account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccuracy on this accounts information as quickly as possible.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my personal bank and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was my fault and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is and was unacceptable and raises serious concerns about consumer safety. To specify my concerns, I was scammed back in XX/XX/year> and lost XXXX dollars.
Product: Mortgage

Once again, the agents at Mr. Cooper are not doing their jobs and there are multiple people at play. Starting with the email correspondence on XX/XX/2022, stating incorrectly that 3 consecutive payments were not met on the account and to contact again in XXXX. It would've been XXXX, which was corrected by another agent. I tried to contact their PMI department multiple times in XXXX and received no response. I returned two phone calls and got routed to the incorrect department. I tried again in XXXX, which is shown in the chat transcription. The agent represented themselves as working for the PMI department, but somehow did not know what XXXX XXXX pathway was. After multiple corrections, they finally sent my PMI removal request to another department. Only to receive another incorrect response which speaks to an original home valuation of {$490000.00}. Referring back to the email, you will see CLEARLY, that the original sales price was {$380000.00}, not {$490000.00}. Also referring back to the email, was an incorrect Principal balance of {$330000.00}. At the time of the email, it was {$320000.00}. 

I have made myself clear on multiple occasions, that I have XXXX interest in hearing about pathways that do not apply in my situation. I know how to do math properly! I said multiple times that the house easily appraises for more than {$440000.00}, which is proven on their own website and their " computer generated '' value via Fannie Mae. I have had it with people who don't do their jobs! The IXXXX XXXXXXXX should have been schedule a long time ago and it has not been done. There has not been a single email with the proper documents sent over, any schedule for someone to come out or anything of the sort. I should not have to send multiple requests for the same thing, just so I get lucky that someone knows how to do their freaking job!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Misleading false reporting this account is negligently and inaccuratly reporting failing to comply to 15 USC 1681. Under 15 USC 1681b permissible purposes of consumer reports, i never gave this company any written consent to report anything on my consumer reports, and no consent is XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account SANTANDER CONSUMER - XXXX - is reporting inaccurately on my credit report with XXXX  & XXXX. This account is showing as a profit/loss Charge off and it is NOT as such! I was only late on the account a couple times & when they repossessed it I got it back 2 days later and have been current ever since. I was only late a couple of times. It is not a charge off and I still have the car. It is reporting wrong and that is a violation under the law.
Product: Credit card or prepaid card

Case number : XXXX 1. Date of the disputed transaction : XX/XX/2022 2. Name of the merchant : XXXX 3. The amount you are disputing : {$4900.00} 4. If any of the above is incorrect, please let us know. 

I was requested to fill out an incident form from capital one. I completed the form, and provided absolutely every bit of sufficient evidence required to ensure the proper resolution of the dispute. Ten days later, Capitalone emailed me saying that I did not complete the necessary steps and denied my dispute. I have been fighting this charge for over 3 months now ; this is ridiculous and there should be an impartial third-party intermediary here to further assist with this matter. The evidence that I provided detailed exact proof of how much I was owed from XXXX with additional correspondence proof between myself and XXXX supervisors. CapitalOne deserves to have an internal investigation conducted within their fraud investigation unit because they are corrupt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent certified letters to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The letters were received on XX/XX/XXXX ( XXXX XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ). I disputed their claim that I owe them these debts and asked them to validate the accounts they are reporting to XXXX, XXXX and TransUnion. It's now XX/XX/XXXX and I have not received any response from either company by mail, email or any other type of notification. Under The Fair Debt Collection Practices Act 15 USC 1692g, Sec. 809 ( b ), I have the right to request validation of debt they say I owe them. Both Companies have failed to validate the debts and provide the information I requested in my letters. See attached letters and certified mail receipts.
Product: Debt collection

In XX/XX/XXXX I received a bill for {$190.00} for ER services. Since I had not too long moved to XXXX NC I assumed it was my local and nearest hospital and they had sent the bill in error. I then went to the billing department at the hospital and they told me they did not have me as receiving services on that date. In addition, that I was not even registered as a patient in their system. A few months later, I received a letter from SCA collection agency in XXXX NC, stating that I owe the same amount {$190.00}. I discussed it with the rep and told them that I did not owe that money and that I do n't know who could be charging me that being that the hospital does not have me in their system as receiving services. That is because I never went to the hospital on the date they 're claiming that I received services XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). Early this year while checking my credit report I realized that SCA was negatively reporting on my credit and is the only negative mark on my credit report. Little did I know, they had already been reporting for some time. Which brought my credit score down. Sometime in XX/XX/XXXX or early XX/XX/XXXX or XX/XX/XXXX, I called SCA. I spoke to a Rep and shared my findings, in regards to the hospital not having me as receiving services in the ER or anywhere else on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). I then went ahead and filled out a dispute form on SCA 's website. In general, I stated that this was not my bill, to validate or immediately remove from my credit report. I received no response. To be 100 % sure that this bill did not miraculously pop up in the hospital computer system, I went back and spoke to billing XX/XX/XXXX. A woman in the billing dept said the hospital which is XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX ), does not use SCA for their collection services. Further more, she reiterated that they did not have me in the system as receiving services on that day XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). She also said it could have been an ER Dr billing me, but since there 's no evidence of me receiving ER services on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ), it could not be possible. The collection agency Rep was not helpful at all and they are still reporting. To make it clear, I know that I did not go to the hospital or ER for any services on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). The hospital does not have any record of me receiving services on XX/XX/XXXXorXX/XX/XXXX( bill not clear ). However, there is a bill in collections stating that I owe XXXX XXXX XXXX XXXX for services received on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). and I have not received any services from anyone that deals with SCA. SCA is reporting fraudulently on my credit and refuses to validate or remove. Please help.
Product: Student loan

The university was shut down for fraud and overcharging customers and not being a legit institution
Product: Credit reporting or other personal consumer reports

XXXX has listed an account on my credit report that is not mine. I have disputed the charge with them and with the debt collector they assigned it to Jefferson Capitol systems. I have told them this is fraudulent. I have asked for proof of purchase proof of taking out a loan they have provided neither when I contacted them. They told me that it was Appearing to be a fraudulent charge and they would remove it from my credit report however that was about a year ago and it is still on my credit report. I still have not received any information about where this loan came from what kind of car it is for anything to do with the matter I have contacted both XXXX and Jefferson Capitol systems multiple times and still this is not resolved. I had applied for a car with XXXX around the time that they say I bought XXXX, but I did not go through with the purchase. I am concerned that an employee of XXXX used my information to take out the loan because I actually bought a car from XXXX XXXX auto and XXXX rather than with XXXX. It appears this is identity, theft or employee theft but either way I would like proof of what kind of car I bought videos of me signing any loans and just any kind of documentation of how this came about because I do not have a car from them. This is crushing my credit report. It is a debt of {$12000.00} that I have nothing to do with
Product: Mortgage

United Wholesale Mortage/ Insurance : We have been dealing with an insurance situation our mortgage since XXXX of the present year, we have been incorrectly charge with a new escrow account placed it by United wholesale by mistake when we DONT NEED IT. 


After several emails and phone calls XXXX United wholesale never gave me answer On XXXX XXXX at XXXX AM I sent another email with evidences/ and copy attached to : XXXX, XXXX staying that We have not one BUT TWO FLOOD POLICIES : 1-Policy XXXX 2-Policy XXXX and the all state insurance policy that we have had since we bought our property. 


Since XXXX which we have sent several times this flood and the all state policies to the following email : XXXX they were never updated. 


On XX/XX/2023 I also FAX the mentioned policies to the fax number XXXX with not result or answer from you and still being overcharged. 



On Friday, XX/XX/2023 XXXX, XXXX XXXX XXXX without our authorization or any previous notice contact my ALL state agent requesting my invoices, an email reply was sent as follows : " Good morning XXXX and XXXX. 

XXXX : I am sending this to both, because XXXX is stating that she is NOT escrowed for condo insurance. Please contact her directly to clarify, her phone # is ( XXXX ) XXXX. She has been making all the monthly installments on her condo insurance '' XXXX NEVER Replied, and went ahead on XX/XX/XXXX Created an escrow account on my mortgage which increase my mortgage payment, WE NEVER HAD AN ESCROW ACCOUNT SINCE WE BOUGHT OUR HOUSE AND WE HAVE BEEN MAKING ALL OUR INSURANCE PAYMENTS SINCE THE BEGINNING. 


Please find attached all the prove of the several emails sent, the Fax sent on XX/XX/XXXX and also the mentioned flood policy Policy XXXX
Product: Debt collection

Members of my family are receiving phone calls from someone who states they are trying to get up with me and are given a phone number ( XXXX ) and a case number ( XXXX ). They then relay that to me. I have called the phone number and they claim to be a litigation company acting on behalf of Citi Financial Corporation attempting to collect a debt. I asked them to send Proof of Debt to my e-mail because I have never used Citi for any financial services. What they sent me was a Validation of Debt DocuSign letter. I of course did not sign it. They state by not signing the letter that a Civil Complaint will be filed in my county court. Whoever this is has all of my information ( Full Name, SSN, Address, Date of Birth, and my relatives phone numbers ) I have attached the letter sent to me as my " Proof of Debt ''. But it is not that. 
I redacted my personal identifying information. Once they sent this letter I called the number at the bottom of it. I got connected with the same person I had been talking to if I had called the XXXX number. 

Reasons I feel this is a scam : No matter how many times I have called the number I get the same person. 
I contacted Citi Financial and they have no record of any business with me. 
I contacted the law offices of the name listed on the letter, and they have no information. 
I contacted the Clerk of Court in my county and they have no record of any filings against me. 
And the math on the letter looks to be incorrect.
Product: Credit card or prepaid card

I applied for a credit limit increase on my card as I have excellent payment history and use autopay set monthly and have never missed a payment. They sent denial stating multiple reasons that are not true and I don't know where this is coming from and I have checked my credit reports and do not see the issues they are stating and other cards have given me increase with no issue and have not mentioned these supposed issues. 

The issues they state are Delinquent or derogatory real estate secured loan Balances on delinquent or derogatory revolving accounts are to high Delinquent or derogatory account Too many delinquent or derogatory accounts