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

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a consumer by law these accounts on this letter must be updated to positive immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated
Product: Credit reporting or other personal consumer reports

This company is not following the LAW UNDER THE FCRA, I requested the furnisher of information that this company has obtain information on Bankruptcy that is reporting incorrect. The company certified that after the investigation was complete USBK COURT XXXX  PENNSYLVANIA VERIFIED AS REPORTED. I also asked USBK COURT XXXX  PENNSYLVANIA to verified information that was not accurate so how is it that I asked for the same information with no luck and this company had luck with this company that do not report information to credit bureau 's please hold this company and forward it pending outcome to FEDERAL TRADE COMMISSION database for my local state and federal law enforcement agencies to see how I have been treated.
Product: Checking or savings account

On XX/XX/2021 I took a check to deposit into my checking account for the amount of {$4600.00}. The check was from someone who bought a snow plow from me off XXXX marketplace and overnighted the funds to me. The teller named XXXX in The XXXX NJ bank branch cashed the check with no issues and said the money will clear in a few days. On XX/XX/2021 money in the amount of {$4600.00} cleared in my account, at which point I was able to withdraw {$600.00} with the same teller as well as move {$2000.00} into my savings account. On XX/XX/2021 I went back into the bank with the same teller to remove money from my checking account, at which point the teller named XXXX who has helped me through this entire transaction process tells me my account is overdrawn {$2600.00} for a returned check. I asked how is that possible when the funds were made available to me? She said the check was a fraudulent check and was sent back. I asked the teller why she didnt put a hold on my check until the funds were properly checked by the other bank, which in this case is XXXX XXXX The teller had no answers for me. She apologized about not putting a hold on the check, which she should have because that is to protect me and my account. I have been a member of this bank in good standing for 15 years and I was treated terribly. I had to file a police report for the snow plow I was out and now for the money XXXX XXXX refuses to help me get back. I have tried talking to the highest person in charge, I get the run around.. no call back nothing. I am so disappointed in this situation. The bank froze my account to try and see what they can do to rectify this problem. Ive had my account frozen for three weeks now! This is so unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint after not getting results. After the 1st complaint, CRA 's claim a thorough investigation was done. I do not see how with some many inaccuracies still listed. Date opened, Date last reported, addresses that never belonged to me, duplicate accounts reporting more than once that shouldn't be there at all.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 an account without my written instructions. 
after my second complaint was told I did not present enough evidence. It was hard with XXXX XXXX  from a car accident that I wouldn't of been in if my report was fixed and I didn't have to buy a used {$1200.00} car with bald tires. It is ridiculous the responsibility these companies have and do not take seriously. They ruin lives. People must find time in their busy lives to go after the CRA for not following laws. 
While trying to upload my credit report I marked violations on it as too large of a file. But every I want to print my report I have to print 50-60 pages and it's still hard to read. Probably a purposely done deterrent. I had to separate my credit into 6 different scans so files weren't to big. Ridiculous!
Product: Debt collection

I completed a debt consolidation approximately 10 years ago. Three of the creditors did not settle. One of the creditors has hired a collection agency to come after me for the unsettled debt ; but the statute of limitations is up.

The letter they sent me says they can not sue me or send this to the reporting agencies. 
The state of CA website says not to ignore the letter and seek legal counsel.
Product: Credit reporting or other personal consumer reports

I am rewriting to refile this complaint to UNITED AUTO CREDIT CO about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/. 
The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Consumer Loan

I was unable to repay a car title loan, they repossessed the vehicle and now they are still after me for more fees. The amount of the loan that remained unpaid is the same if not more than what they are charging me for the auction sale of the vehicle they took from me. and they are harassing me at work multiple times a day calling everyone and releasing private information regarding me. and they are very ride to me on the phone.
Product: Mortgage

I recently filed a complaint with your organization in regard to PHH Mortgage justifying an increase in garnishing escrow account by falsifying information XXXX designated our area in XX/XX/year> as a flood zone as a result our escrow account was garnished {$220.00} monthly for flood insurance, reference number : XXXX. 

In relation to the reference number : XXXX we received a letter stating they are working on handling the issue in regard to garnishing our escrow account {$220.00} monthly. This was the plan they had all along. 


Today I received another letter in the mail outlining a mortgage increase XXXX. Initially our monthly mortgage payment was {$1000.00}. But because of the flood insurance garnishing the escrow account there is an escrow shortage. This is the retaliation for the initial complaint for reference number : XXXX. I would like a summary of how much funds were available every year in our escrow account We received no letter from XXXX informing our area is a flood zone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX, XXXX XXXX CONSUMER DISPUTE CENTER, EQUIFAX, XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The consumer agencies known as TransUnion, XXXX, & XXXX are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies listed within the account. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$3500.00} {$0.00} {$3500.00} Credit Limit : {$2900.00} {$2900.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by XXXX XXXX Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed this account because it is fraudulent and I have also filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on this account. Who did you interview to come to this conclusion that this was my account? This is a violation. I will send a invoice if these items are not deleted.
Product: Debt collection

I have been taken to small claims court through the XXXX, without EVER being notified of the court proceedings or the debt being requested. I do not even know what the debt is for, how much or when the debt is from.
Product: Credit card or prepaid card

I was sent a text alert by Chase Bank on XX/XX/XXXX asking if a charge was mine, it was not and I reported it and the card was closed. The next day I logged into my account and started the fraud reporting process on many charges that were on my account or pending. Chase refunded all the charges, I paid off the account as usual and we were squared away. 

In XXXX most of the charges reappeared on my account. I did not receive any mail explaining why and spent many hours on the phone being transferred around as they were confused that I was complaining about charges that had already been refunded. When I got to someone that understood they had been refunded once but charged twice she asked a few questions and said she would have the dispute reopened. She said the denied the claim of fraud because the card, with the chip, was used in person. Well, that's what happens when someone steals your credit card? 

I sent a letter outlining that the card was stolen and used in person, not by me. I do not shop at any of the locations of the charges, and pointed out that I do not shop in person in stores as these charges were, I am only doing delivery during the pandemic. 

Within days I got nearly the same form letter as the first time stating my fraud claim was denied with no options listed for recourse. 

The charges in question are XX/XX/XXXXXXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX  AZ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX # XXXX XXXX AZ XXXX XX/XX/XXXX XXXX # XXXX XXXX AZ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX Total XXXX
Product: Credit reporting or other personal consumer reports

Again, I was the victim of identity theft and this is my numerous request to Remove the information in my credit file resulted from an alleged identity Theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove Any Items. Ive already included this report in a previous letter & I am Including it again. Also, the information you provided on some item are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXXXXXX XXXX XXXXXXXX I received notice from the U.S. Department of Education that my loans would be XXXX under the group discharge for XXXX XXXX XXXX XXXX and that I would receive a refund for all monies paid on these loans. The notice I received advised I would no longer need to make payments and these loans would be removed from my credit report. As of today, XX/XX/XXXX, this has still not happened. All my loans were taken out for attendance at XXXXXXXX XXXX XXXX XXXX XXXX owned school ). The loans are in forbearance but are still accruing interest, and with this accured loans the debt is now approaching {$50000.00}. This needs to be removed from my credit report, as I am not responsible to make payments on these loans. I can provide proof of this from the Department of Education if needed. Neither the DOE or the servicer, MOHELA will do anything about removing these loans from my credit file or completing the discharge as they agreed to do under the XXXXXXXX XXXX discharge. Please help, as this is preventing me from being able to purchase a home.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXXXX/XX/XXXX. I noticed some hard inquiries on my credit report don't have a permissible purpose. I also attached evidence. 

1. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

2. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

3. XXXX  XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

4. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

5. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

6. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

7. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be 8. XXXX XXXX XX/XX/XXXX.1. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

9. XXXX XXXX XXXX XX/XX/XXXX.This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

10. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

11.XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

12. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

13. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

14. XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, MD XXXX RE : Experian Boost Product Issues Dear CFPB, I am writing to report an issue with Experian 's product, Experian Boost. This product is advertised as a way to raise your credit score by factoring in your on-time payments for certain utility and phone bills. 

Attempted Use and Error Message : I have repeatedly attempted to utilize Experian Boost to add my on-time bill payments to my credit report. 
Unfortunately, each time I try to use the service, I receive an error message stating : " We ran into an unexpected issue. We're working to fix this issue. Try again later. '' Continued Attempts and Unresolved Issue : I have made numerous attempts to use Experian Boost, retrying after the suggested delay, but the issue persists. 

Concerns : This ongoing problem prevents me from taking advantage of a service that Experian advertises as a way to improve my credit score. 
The lack of functionality raises concerns about the reliability of the product and the potential for misleading information reaching consumers. 

Request for Assistance : I kindly request the CFPB to investigate this issue with Experian Boost. 
I would appreciate it if you could look into why I am unable to utilize the service and whether this is a widespread problem. 
Additionally, I would like to know how Experian ensures the accuracy of the information factored into credit scores through this product. 

Attached Information : I have attached screenshots of the error message encountered while trying to use Experian Boost. 

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 


Enclosures : Screenshots of Experian Boost Error Message
Product: Mortgage

I need help I am behind on my mortgage but I sent in a partial payment the mortgage company is holding that money not applying it to anything, any time I send in money to go with that amount to make a full payment it is sent back to me. I continue to call, email requesting the money be refunded to me but they refuse. If I had those funds I could make a full payment but they are just holding it.
Product: Mortgage

I used Athas Capital located in XXXX, CA to refinance my property. There was a lot of issues before we even closed which should have been an indicator not to proceed. They sent out a paralegal to my home to do the closing. I was not provided the HUD statement prior to the closing and when I saw the HUD statement along with what my monthly payment would be I contested it due to the escrow being so high, but the paralegal told me I could just sign the papers and question it as documentation wouldn't be submitted for a few days. I sent numerous emails about the escrow and then was told it was too late we closed. This was in mid XX/XX/2019. I have been trying since then to get the escrow figured out. I owed back taxes and money was taken out at the time of closing to pay the back taxes which were never paid. Escrow was taken out of my loan at that time also based on the back taxes for future tax payments and my monthly escrow payment is also based on those back taxes that should have been paid. I have been asking for an escrow analysis since XXXX. I have asked them to contact the assessor to get the updated information. I just keep getting the run around. Now they are telling me I have to make my first payment. If it's not one thing it's another.
Product: Debt collection

The debt for {$150.00} was already paid to Armada Corp and was supposed to be removed from my credit. They keep reporting this debt to XXXX as a debt owed and it is not owes. I even have a letter from them that I have submitted to XXXX that states I DO NOT OWE THIS DEBT. Please remove it from my credit.
Product: Money transfer, virtual currency, or money service

I have had my bank contact CASH app about many fraudulent claims using my bank account associated to my account in CASH app and my bank refunded me but CASH APP has never reached out to find resolution. 

Per my bank, the merchant never gave any feedback, apologies, or admission and this is so FRUSTRATING. I have had these fraud charges disputed since XX/XX/year>. Nothing in these months from CASH APP. 

My bank account was also used in XXXX XXXX  SHOP and I do not even have a XXXX  XXXX  and I want to know if I am safe there and get refunded for that.
Product: Debt collection

Hello on XX/XX/XXXX I came into an agreement with the National Credit Adjuster to pay a debt that was sold to them by XXXX. I owed them {$260.00} and I asked to pay half and if I was to pay half if they would be willing to do a pay to delete. I paid {$160.00} to the National Credit Adjuster. Furthermore looking into my credit report. NCA has been reporting false information that is causing major harm to my credit profile. They are reporting Monthly on a Closed and Paid account. They are reporting different dates the all THREE credit bureau. This inaccurate information is harming my credit. 

XXXX is reporting Date Last Active XX/XX/XXXX and reporting the account as a collection. Last reported XX/XX/XXXX. 

XXXX is reporting Date Last Active XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. And reporting the account as XXXX. XXXX reported XX/XX/XXXX. 

XXXX is reporting Date Last Active XX/XX/XXXX and Date of Last Payment XX/XX/XXXX and reporting the account as Collections. Last reported XX/XX/XXXX. 

I have paid my debt in full, and the National Credit Adjuster is reporting inaccurate information. I have contacted all THREE credit bureaus. I will appreciate if the National Credit Adjusters remove the Collections/ChargeOff from My report. As they are providing inaccurate information and violating Under the Fair Credit Reporting Act and I have a right to have it removed.