23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XX/XX/2022 an account with open at XXXX and I discovered on my credit report I dispute it the account several times and they still keep saying its my account I contacted XXXX ask them to send me verification, verifying that this account belongs to me and they have not done that and when I call them my social security number was not even associated with an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Vehicle was paid in full to XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX I applied for a Mortgage and following a credit inquiry by a different bank, was notified that this was still showing up on my credit report with a balance. 
-Upon contacting the bank involved, they told me my balance was XXXX and that they had reported this to bureau possibly incorrectly. 
-This is affecting my eligibility and qualifications for loan rates.
Product: Checking or savings account

i went to open an account with XXXX XXXX in XXXX on XX/XX/XXXX and that is when i found out that i currently owe : XXXX : {$100.00} ( in fees ) TD BANK : {$230.00} ( in fees ) Mean while i am not sure how these balances came about because these accounts have been closed since XXXX. i have talked to and went to TD and XXXX that same day they claim that the accounts were fraudulent and they cant help because the account has been closed since XXXX, but what i owe them are random banking fees.
Product: Credit reporting or other personal consumer reports

I've disputed inaccurate addresses, misspelling of my name, and an inaccurate phone number. They REFUSE to remove these inaccuracies from my credit file. 
Name Name Identification Number XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Addresses XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Employers XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX Phone Number XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX  Account Dear Sir/Madam , I am writing to formally dispute inaccurate information reported by XXXX XXXX  XXXX on my credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n. 

Details of the Disputed Account : Account Name : XXXX XXXX XXXXXXXX Discrepancies and Errors : Incorrect Reporting of Account Status : The account shows it was charged off, but there are inconsistencies in the payment history and charge-off dates that suggest inaccurate reporting. This violates the FCRA, specifically 15 USC 1681e ( b ), which requires that consumer reporting agencies maintain the maximum possible accuracy of information. 

Balance and Past Due Amounts : The balance and past due amounts are both listed as {$1000.00}. This may include erroneous fees or charges that were not properly documented or validated. This is a violation of the FCRA, under 15 USC 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of information must provide accurate information. 

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX XXXX XXXXXXXX. Under 15 USC 1681i ( a ), credit reporting agencies must reinvestigate disputes and delete any inaccurate information if they fail to validate properly. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages. 

Account Closure Details : The comment states the account was closed at the credit grantors request. If this is incorrect, it needs to be rectified immediately. Providing inaccurate information about account status violates 15 USC 1681s-2 ( a ) ( 1 ) ( B ). 

Payment History Inconsistencies : The payment history reflects numerous charge-offs and past-due statuses without clear updates, suggesting potential errors in the reporting timeline. This inconsistency violates the FCRA 's accuracy requirements as outlined in 15 USC 1681e ( b ). 

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ).
Product: Credit reporting

the credit cards companies : XXXX XXXX XXXX and XXXX XXXX not provided to Trans Union credit bureau updated information and Trans Union credit bureau refused to request on their own same data from my both credit cards accounts which I paid off completely a few months ago, so it is badly hurt my credit scoreI got XXXX on XXXX and only XXXX on Trans Unionsame thing my husband has and it looks like the credit bureau not fulfill its obligation to collect and to provide all accurate and up to date information
Product: Credit reporting

I am filing this compliant because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXXXXXX : XXXX XXXX {$380.00} collection XXXX XXXX XXXX XXXX XXXX {$270.00} collection XXXX XXXX XXXX : XXXX XXXX {$53.00} collection XXXX XXXX XXXX XXXX XXXX {$440.00} collection XXXX XXXX XXXX XXXX XXXX {$18000.00} collection XXXX XXXX XX/XX/XXXX {$2600.00} collection XXXXXXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX, an XXXX XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX  XX/XX/XXXX inquiries 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 in account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

A 3rd party collection agency, Commonwealth Financial Systems ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.
Product: Mortgage

On XX/XX/XXXX I called Wells Fargo about removing PMI. I was sent a letter with various options on removal. In this letter one of my options states : Option 2 lists I must provide proof my home has not decreased in value, have no late payments and have an appraisal done by XXXX. Once complete option 2 then states if my LTV ratio is 80 % or less, I may cancel PMI. 

On XX/XX/XXXXI received the appraisal as done at my expense by XXXX the necessary appraisal company Wells Fargo required. The appraisal letter showed my LTV ratio at 77 %. Thus not only following their letter of requirement to remove PMI of proving ration less then 80 % But this also proves and follows the same law as explained in The Homeowners Protection Act of XX/XX/XXXX. 

On XX/XX/XXXXI called Wells Fargo to have the PMI removed after completing the paperwork and information they requested. They stated a new letter was sent requiring me to pay {$4000.00} ( approx ) to remove it or hit a LTV of 75 % or less. Which conflicts with the original letter and also goes against the law of the Homeowner Protection Act of XX/XX/XXXX. They are not only practicing unfair and illegal PMI charges but are going against their own letter of information on how to remove PMI.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> Since Then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a decision of the following account. I am demanding a deletion of the following account : Account Name : XXXX XXXX Account Number : XXXX ....
Product: Credit card

I disputed a charge on my JC Penney Mastercard. 
Charge date was XX/XX/2023 in the amount of {$520.00} Merchant was XXXX with a XXXX number on my credit card statement JC Penney ( Synchrony Bank/JCP ) acknowledged the charge dispute and opened an " investigation ''. After a while, the wrote back saying they could not approve my challenge on the grounds I had authorized, participated in or benefited from the purchase. Which I never made Documents attached
Product: Checking or savings account

XX/XX/year> on a Thursday in California Pacific Standard Time around XXXX I would check the Capital One periodically every 2-3 hours to see if my pay check was direct deposited into my CapitalOne 360 performance savings account. As I opened the app I didn't not see any increase. I checked my employer app to see if they sent me a paycheck through direct deposit and it showed a bank statement that they did send it to the exact account and routing number. I am currently missing {$1300.00} that should have been deposited into my Savings account by Capital One. I thought it was just another error and a regular technical difficulty so I waited 1 extra day. It is now Friday XXXX XXXX and the {$1300.00} that is owed to me has not been deposited into my Savings account yet which is usually resolved in 24-48 hours. Instead of them solving the issue I received an email as shown : " Valued customer, Starting XXXXXXXX XXXX XXXX  Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers. 

Specifically, this has delayed processing of some transactions including direct deposits and XXXX XXXX credit for direct deposits, as well as electronic payments and transfers ( ACH ). 

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

Once the systems are restored, we will process all deposits and other transactions that have been delayed. You will be able to see those deposits and other transactions after they have posted by visiting us online or through the Capital One Mobile app. For additional servicing assistance, please call us at the number on the back of your debit card or visit a Capital One Branch or Caf. 

As always, we appreciate your business and apologize for any inconvenience that this disruption has caused you. We assure you that we are taking this event very seriously. '' Capital One states in the email : " We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. '' It is Friday Morning and I am still missing my paycheck of {$1300.00}. What makes me angry even more is them posting an advertisement on XXXX instead of focusing on the big issue at hand regarding technical difficulties withholding thousands of Americans money.
Product: Checking or savings account

I got a letter by mail saying that they don't want have any relationship with me and my account will be closed at XX/XX/19
Product: Credit card or prepaid card

This XXXX XXXX account is reporting derogatory information as reported in my Credit Bureaus . The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


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

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and asked to find out why my credit report was denied. I got reply saying they will contact me by mail. I told them I will send out one more request for up dated report copied sin and provincial card both front and back tones of times. All I keep getting is your request was denied. This is ticking me off. I have paid XXXX XXXX every month for XXXX XXXX and XXXX XXXX now XXXX XXXX. I got other agencies on report as well. I need to know if the XXXX and XXXX XXXX have been reported of payments since credit XXXX has allowed me on program. Thanks.XX/XX/XXXX18 sent mail out again asking for up dated request please send out asap thanks when gotten :
Product: Mortgage

I applied for XXXX refinance loans via internet from a company called Cardinal Financial. They called me, checked my credit, which is in the top 1 %, indicated they would freeze the rates if if I paid for the appraisals that day, which I did. The appraisals were completed XX/XX/XXXX, with both properties being appraised with over {$500000.00} in equity. The process bogged down for nearly XXXX months from what they indicated was a work overload for their underwriters. 

In addition to the equity in the properties, I have no debt other than the mortgages and related insurances, XXXX years of credit history, {$54000.00} in annual rental income, {$26000.00} in social security, {$400000.00} in liquid cash in the bank and annual business income of {$100000.00}. Finally, this month they declined both loans as my not meeting debt to income ratios, which is impossible and refuse to refund the appraisal costs. 

I believe the real issue is that I am XXXX years old and they lost the price freeze on the loans due to their own incapability of processing. 

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are victims of identity theft/fraud/misuse of our credit report. I have been with Fifth Third Bank/as a customer several years. I myself am 100 % XXXX XXXX XXXX. My wife is my XXXX. We had known the bank associate that initiated the issues w/our credit ; XXXX XXXX XXXX over 7 years. During the Covid19 shutdown, we could not enter the facility, yet my wife and I had spoken to XXXX over the phone during the end of XXXX into XX/XX/2020 with regards to our prior credit " pull '' of XX/XX/2020 [ with our own prior mortgage person-XXXX XXXX  ]. XXXX was willing to look at the recent credit pull, and advise us of what we should do in order to get our credit repaired, to move in Fall/Winter 2020. NOONE advised XXXX XXXX we wanted a Mortgage loan with Fifth Third at this time. NOONE AUTHORIZED XXXX XXXX to utilize our personal information to obtain credit, pull credit, or give our information to any outside lender. PERIOD. 
In XX/XX/2020 we had learned that our personal information was Breached*, and XXXX XXXX obtained all our information against our wishes, in our files/ at FIFTH THIRD BANK, in order to provide information to an outside mortgage lender source [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX ] ( not 5/3 Bank ). This was without our knowledge ; without our consent. We did not authorize this, and we, therefore, requested to FIFTH THIRD CORPORATE that this formal FRAUD  REQUEST be attended to immediately. { CEO XXXX ) We also request that the bank take all appropriate steps to remove information about this account from OUR credit files to XXXX-XXXX  and XXXX  within those 7 business days by letter. 
My wife and I are currently taking close steps in trying to repair what was damaged with our credit due to this incident. Noone gave AXXXX XXXX any authorization of ANY kind, NO written NO verbal. She has NO CONSENT to pull credit to look at our personal information. 
Within days of this occurring with this employee, she denied all actions. Fifth Third Managers overseeing this employee were to have corrected the entire situation / help correct our credit, yet to date, NOTHING was done to justify her actions or to correct the fact she committed FRAUD.  My wife and I have a copy of my credit report to date showing the fraudulent items related to both the employee/bank actions and that of Mr.XXXX that is the result of THIS identity theft/FRAUD. 
To date, we have yet to have our credit report cleared of these 2 inquiries and have not received the credit report that they pulled on my wife and I.
Product: Credit card

I had a balance of {$170.00} dollars as of XX/XX/year>, I made a payment to a {$0.00} balance with the agreement to waive a {$37.00} late fee. The agent forgot to waive the fee as agreed which resulted in reoccurring late fees eventually being sent to collections from late fees multiplying. My other store sards closed due to this error. When I called, they reported it as a {$0.00} balance on my credit report as of XX/XX/year> closed but never back dated the original {$0.00} balance nor should my account have been sent to collections and closed
Product: Credit reporting, credit repair services, or other personal consumer reports

This inaccurate information continues to reappear on my credit report. This is an old account from 2016. I Do NOT owe this debt. I disputed the validity of this years ago. It was removed, and it reappeared with another more current date. I complained multiple times regarding this. The company keeps falsifying dates & records. 
The Creditor is NATIONAL CREDIT SYSTEMS XXXX.
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an e-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX New York XXXX XXXX securities XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing for XXXX XXXX XXXXXXXX XXXX to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Mortgage

My son and I bought a house together and I co-signed for his part of the cost. 
Approximately a month ago my son got a foreclosure notice because he was two months behind on payments. 
Since we have the mortgage payments automatically sent for our joint bank account we were shocked that we were two months behind. 
My son and I called the mortgage company about the situation. The representative said that the XX/XX/2023 payment was not received. He requested a copy of the cleared check which we provided. 
This month my son received another foreclosure notice ( very unsettling for him ) so I went to the mortgage companies website and read a synopsis of their investigation. Apparently they applied the entire mortgage payment to the escrow account!! Why would they do that? 
I have just instructed them to apply the overage in the escrow account to the XXXX payment.