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

The company XXXX finally responded that the account is accurate on XX/XX/18 to CFPB but they would put it on hold until they could verify it with the creditor. That is not true. I do not owe them or the creditor they are collecting for. They also responded that my name is XXXX XXXX that is inaccurate as well. Which shows me that the company frequently makes mistakes. The company responded that the collection would be put on hold and reinvestigated. The collection still shows on my credit report as of today. I would like it removed completely. I have yet to receive anything from XXXX, the credit bureau, or from the creditor to show that the account is accurate. I spoke with the original creditor over a month ago and still havent received anything to show I owe them. This inaccurate account has caused significant financial and emotional harm to me. Equifax has failed to properly investigate the inaccuracy. My rights have been violated and I want it stop now.
Product: Mortgage

Lender is not willing to issue an approval letter which gives the buyer adequate time to close the transaction. Buyer needs 30 days and lender has stated that it will only give 1 week. It is a ridiculous time constraint to close a transaction.
Product: Credit reporting or other personal consumer reports

I refinanced this loan XX/XX/year> through XXXX XXXX. This was done remotely with a notary public, who took my paper work. I was told/advised by her at the time of signing that my first loan payment would be due XX/XX/year>. I was also told that no credit reporting would take place for at least 60 days. 
On XX/XX/year>, I went out on short term FMLA XXXX with my employer and spent XXXX months out of work. 
I made a mortgage payment in XXXX but wasinformed that the first payment was actually due XXXX and i would still be considered late until i made XXXX payments at the same time, which was not possible while out of work. 
At that point, i was advised by Flagstar to apply for forbearance or temporary hardship-i, filled out all paperwork and supporting documentation and had to wait for approval. I was told i would NOT BE REPORTED LATE during this process, and I followed up and stayed in touch constantly. 
When the modification was approved, I now have payments set up and i thought all was well. 
XXXX the meantime, i was transitioning to long term XXXX temporarily, however I am unable to perform some of the duties i was able to perform prior so i am currently APPLYNG FOR JOB POSITIONS that REQUIRE CREDIT REPORTS to be pulled. 
I called to discuss this with Flagstar and was advised to fill out this form. Please, Please help me by removing the late reporting! | am all set up for my payments and supposedly in good standing during this time, and I was told there would be no late reporting as long as i kept in touch and followed the loss mitigation process!! 
I will never be able to find employment making the same amount of income as i have been without a credit record that shows payments on time, which i have had up until now. Please help me keep the house by removing the derogatory reporting while I am making the payments as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern :. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Please on my accounts that I have circled or an x by please provide that the items are reporting correctly from the Courthouse and not a third party, investigate if every piece of information is correct, and investigate and see if every piece of information is correct reported on the late payments and collections, and if all items are not reporting100 percent accurate, please remove them. One more thing I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my mailing you all have on file where my free credit reports where sent to me. Thanks I will upload my documents. I tried to upload documents but it would not let me select all of them so I will mail documents in first thing Tuesday morning by certified mail with a return receipt requested Thanks
Product: Checking or savings account

We recently had a credit of {$1700.00} in XXXX which was reposted back to our our account after it was previously deducted back out of our account due to a 3rd party vendor fraudulent charge on our account which caused us {$340.00} in fees since XX/XX/XXXX and was told that overdraft fees would be reversed back into our account, once the credit or {$1700.00} reposted back to our account. Had those monies been in our account we would not have incurred the fees and we are requesting a refund of {$340.00} in fees which were charged to our account during the period of time the {$1700.00} it was deducted and also reported the issue to Customer Service over the phone and via their Customer Service Portal and was informed in their email message that they could not help or did not have insight to our claim. 

This is not true. Wells Fargo Claims and Customer Service Reps did not make a concerted effort to help us resolve this matter and are reaching out to CFPB to help us with this matter. Also, we experienced some retailiation from the Wells Fargo Claims or Banking Department since we filed a couple of compliants with CFPB regarding the {$1700.00} which was previously taken back out of our account, although they were provided with proper documentation. We have since experienced retaliation in being able to utilize the overdraft protection program which we have affiliated with this card. Also, they rejected a Utilities Bill payment which came through for {$50.00} and believe this was done intentionally as a result of us previously reporting Wells Fargo on several occasions regarding the {$1700.00} debit matter. Also, they have restricted the card with being able to get cash back which was also previously part of the Overdraft Protection plan as well. We are now being punished and retailiated against because reported them and can not fully utilize the Premium benefits associated with my Checking account. This is very ruthless and discriminatory behavior as well.
Product: Checking or savings account

Hi, My husband had opened 3 custodial accounts XXXX  at chase bank, for XXXX of our children and he passed away this XXXX. being both executor of his estate and my kids parent i requested to be successor custodian on their accounts. I was told the XXXX  over XXXX can write a letter selecting me as their new custodian i submitted it along with all required documents and one of my sons accounts were transferred to me as custodian at the end of XX/XX/XXXX. No reason given to why my XXXX  sons account was not transferred yet, but for my XXXX  daughter who was XXXX i needed an affidavit from the surrogate court stating that in leu of guardianship i am appointed as successor custodian for her account. this was issues XX/XX/XXXX. I followed up with my branch banker XXXX XXXX and he looked into it but no reason has beengiven as to why their accounts had not be transferred. i filed many complaints with chase every few weeks. my banker escalated this to the compliance offices and stillnothing. the branch XXXX XXXX XXXX got involved and escalated it to the manager complaints department, we were told to refile the papers and it would be resolved. mid XXXX i asked for an update and was told the legal hold was released but my name has not be assigned to their accounts yet. Completely unacceptable. Always being told give it XXXX business days this task should have been completed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to title 15 usc 1681b, and pursuant to title 15 usc chapter 94. My consumer rights has been violated
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered some instances of late payments on a few an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have filed a dispute directly with the bureaus and they ignored my attempt to rectify the matter and updated the account instead. I have never been late on DPT EDXXXX account number XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I kindly request these payments be promptly updated to reflect their true status as on-time and never late.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal follow-up to my previous dispute regarding inaccurate late payments on my credit report. My initial dispute, sent on XX/XX/year>, was not fairly investigated or resolved within the required 3

0-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i.

I previously disputed the following accounts : XXXX XXXX XXXX ( Account : XXXX ) Under federal law, you are required to conduct a reasonable investigation and provide sufficient proof validating the accuracy of the reported information. However, I have not received proper documentation confirming the legitimacy of these late payments. Furthermore, under 15 U.S.C. 1637 and 1637b, creditors must provide a legally required notice at least 21 days before reporting any late payment. Since no such notice was received, these late payments remain inaccurate and must be removed immediately.

Failure to comply with the law constitutes willful noncompliance under 15 U.S.C. 1681n, making you liable for damages. If this matter is not resolved within 15 days of receipt of this letter, I will have no choice but to escalate this dispute, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I reserve the right to seek legal action for willful violations of federal credit laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my recent attempts to correct - incorrect and illegal reporting methods to Experian ; they have failed to fully investigate and abide by FCRA regulations. I wrote in on XX/XX/2022 in request to investigate two accounts reporting on my credit file. 

The accounts are XXXX and The XXXX XXXX XXXX In response on XX/XX/2022, Experian concluded their investigation without fully investigating. I asked for a reinvestigation on XX/XX/2022, I received the same response on XX/XX/2022 - updated account. In my 3rd attempt to resolve the complaint I responded to The XXXX XXXX investigation on XX/XX/2022 and XXXX  investigation on XX/XX/2022 - XXXX then demanded the XXXX accts be deleted for illegally manipulated the statute of limitations. I demanded The XXXX acct be deleted for reporting a past due balance as a collection acct. I received a response from Experian on XX/XX/2022 notifying me the accounts was updated. 

Each time the XXXX account was investigated the account scheduled to stay on report changed and concluded ALL their investigations with an updated acct reporting history. Also, this account has been sold and collected upon by another agency this is also not being reported in the ACCT Status. 

The XXXX XXXX acct I am demanding to be deleted due to it being reporting incorrectly this account has been sold and collected upon by another agency this is also not being reported in the ACCT Status. 

I have all letters I sent to Experian and the response to each complaint. I will also submit proof of the inaccuracies I asked to be to removed.
Product: Credit card or prepaid card

To whom it may concern, My XXXX XXXX was closed and sent to collections without notice - this account was opened and active since XXXX. 

I received a letter from the collections agency which I called to verify and confirm the information as I had not received any Statements from XXXX. 

I'd like to request the following information : Why was the account closed? 
Where are the last statements prior to the account closing. 
When was my last payment and what was the balance after that payment posted. 


My last payment to XXXX was XX/XX/XXXX in the amount of {$47.00}- which was the last time I received a statement. 

I have always elected for paper statements to my address and nothing has changed since XXXX. 

I have contacted both Credit Control , LLC and XXXX XXXX and both have advised they have no records of the account. ( Disputes have been made with both to no avail ) I need an immediate response or this to be completely removed from my credit! I have been requesting this information since XX/XX/XXXXXXXX XXXX XXXX  Thank you, XXXX XXXX XXXX XXXX
Product: Credit card

Company refused! Locked me from accessing my account. I provided all requested info. Barclay acknowledged receipt but still refused access to info. VERIFIED ACCURACY, still kept me from my account. All I want is for Barclays to my account and to provide me monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). This account is a error as well as a duplicate showing twice for the same alleged status. 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX    XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX v. Heard XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XXXX XXXX XXXX XXXX XXXX  ) I expect this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Checking or savings account

Yes I do have overdraft fees at my bank RBFCU but they are charging me XXXX every time I turn around d even when they don't pay for the transaction. I'm on a fixed income and I only get XXXX a month and this month alone I already have over XXXX in overdraft fees alone. This is not fair.
Product: Vehicle loan or lease

REMOVE DATE XX/XX/XXXX AMOUNT {$13000.00} AND XX/XX/XXXX AMOUNT {$870.00} DATE XX/XX/XXXX AMOUNT {$3100.00} AND DATE XX/XX/XXXX AMOUNT XXXX AND DATE XX/XX/XXXX {$600.00} REMOVE ALL UNAUTHORIZED ACCOUNT AND BALANCES FAST REMOVAL ITS BEEN MORE THAN 60 NO RESPONSE ON WHY THIS IS HERE ON MY NAME
Product: Debt collection

After multiple attempts to have this matter resolved with the debt collector, I am starting to believe this is out of malice.

On page 80 of the attachment you can clearly see the last 4 digits of the account number is different from the account which is falsely accused of being mines.

I will include the evidence as an attachment.

Its labeled as Resurgent Harassment documents. 

To add this company is now including my middle name when originally my middle name was not included. 


The letter that was sent stating my account is a valid account. Is regards to account number ending with XXXX. 

The fraudulent account ends with XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I directly disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX with no response I also disputed in directly thru the XXXX XXXX, The XXXX XXXX assured me the company verified the information as accurate, XXXX XXXX XXXX XXXX sold the account, and remain on my credit profile and is actively involved in the collection of debt they sold, it's my right to dispute any information on my consumer report, but XXXX XXXX XXXX XXXX  has not responded to any of my disputes ... .Not responding to a consumer dispute is a violation of the FDCPA
Product: Mortgage

My mortgage was being serviced by XXXX XXXX  before being transferred to M & T Bank this month. During the time when XXXX was servicing my loan I filed bankruptcy, but did not include my mortgage. Because of the bankruptcy, XXXX disabled my ability to make payments online. They would still take my payments over the phone in the meantime. I was informed by their representative to send an email to XXXX when I was no longer being represented by an attorney to remove the XXXX from my account so I would be able to make my payments online again. I sent this email to them on XX/XX/year> and then again on XX/XX/year> when I will still unable to make payments online. They never replied to my email nor removed the status and my bankruptcy has since been discharged. 

My loan transferred to M & T Bank earlier this month and when I created my account online. I signed onto the portal today and was unable to make a payment on my mortgage nor gain access to my account. I called to speak to a representative today and they stated it was because I was in active bankruptcy. I informed the representative that I was no longer in bankruptcy, that it had discharged and prior to transferring I informed XXXX twice to remove the XXXX. She stated I needed to wait for the full transfer of my mortgage to be completed and to call back next week. I informed the representative my mortgage was transferred two weeks ago and she stated it did, but because of the status there is nothing I can do at this time. I asked to be transferred to someone that can take my payment over the phone and was told I can not make a payment because it shows an active bankruptcy when the loan transferred and I would need to speak to my attorney. I advised the representative I was no longer being represented, that the bankruptcy has discharged and XXXX was informed prior to the transfer to remove the XXXX twice. She refused to help me and refused to take my payment. I informed the representative that I would be filing a complaint because they are refusing to accept my loan payment and because inaccurate information about my mortgage was given when the account was transferred from XXXX to M & T.
Product: Checking or savings account

XX/XX/year> XXXX deposit ( {$890.00} ) from employer is not on checking account. Should have been in my account XX/XX/year> by XXXX central standard time. Usually have direct deposit a day early ( not a problem since it's early pay, but original payday direct deposit should be available day of deposit ). 
The Capital One customer service automated system hangs up when you need a representative ( probably from many people trying to find out the same problem ).
Product: Payday loan

I was contacted by a debt collector for an online payday loan they claim was made. Somehow, they had all my personal information, and demanded I pay them XXXX dollars immediately. The account they claim was put down as the pay-out to re-receive their funds was closed three-five years before they claim this payday loan was made. They also claim it was by an address that I had n't lived at for several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OF XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX Chapter XXXX Bankruptcy Federal # XXXX XXXX OF XXXX **** XXXX XXXX Bankruptcy XXXX XXXX XXXX  FL XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

In XX/XX/XXXX, I opened a 12 month CD with BMO Alto Bank @ 5 % interest. On XX/XX/XXXX. I received notice the cd is matured. I called the bank on XX/XX/XXXX to close the CD account and withdraw the fund. I just received my tax statement from them. Informed me there is {$1000.00} for early withdraw penalty because it automatically rolled into the next year XXXX. I signed up for only 1 year CD. I did not consent for it to rollover. I was not inform there is a penalty when I closed the account. This is an illegal practice by this bank.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX