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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXX
Product: Credit reporting or other personal consumer reports

The consumer gave false claims about the consumer finance protection bureau as they proceeded to report false claims.
Product: Debt collection

I received a notifcation on the XXXX of XX/XX/2019. That XXXX XXXX had placed a collections account on my file. I Immediatly called in to XXXX and they stated they would dipsute the data and to please allow them 30 days to respond. I have a police report and ftc complaint as well as an affidavit on file and was concerned that the information was not immediately blocked. I then called Medical Data Systems and spoke to a representative whom from what I gathered tried to obtain on my personal data up front. I listened to him tell me that any information obtained would be used to further collect the debt. Which to me sounds like they just wanted all my contact and personal information. Next, the employee stated he was putting the information in dispute status and would await correspondence from me. in which i sent certified mail. XXXX stated that the social that was on file ended in XXXX and the address was XXXX XXXX XXXX XXXX Ga XXXX neither of which belong to me. They clearly have inaccurate information and should have removed this either accidental or fraudulent account from my profile. The letter I sent them has my information most recent and current information on it as well as the last four digits of my actual social. I have never received phone calls, or mail regarding this account. I would have promptly responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry showed on my credit report made by Bay Valley M on XX/XX/2018 that I do not recognize. I never applied for any type of loan from this institution.
Product: Debt collection

I dispute a {$1700.00} charge-off on my SYNCB/PayPal account ( ending XXXX ) reported by XXXX ( XX/XX/XXXX ). I sent a validation request to Synchrony Bank ( delivered XX/XX/XXXX, XXXX # XXXX ), due XX/XX/XXXX, which they ignored. Payments listed for XXXX ( e.g., XX/XX/XXXX ) are unauthorized. I disputed with all bureaus, but they still show incorrect dates, possibly re-aged. Synchronys non-response violates FDCPA 809 ( b ), requiring validation within 30 days. Under FCRA 623 ( a ) ( 8 ), they must verify ; their failure obligates bureaus ( FCRA 611 ( a ) ( 5 ) ) to delete this unverifiable debt. As a California resident, I demand investigation, validation, and immediate removal
Product: Credit card

Looking over my Best Buy credit card I noticed a fee for Debt Protection and they charged me just over {$23.00} for it. Wondered if it was a one time fee and it has been coming out every month for years. around XXXX if the amount stayed the same. I called and cancelled this but I have never nor would I ever sign up for this. I am an insurance agent and I understand the cost of insurance and this is very expensive stuff. They ca n't seem to supply me with my signature or authorization to start this. They just added it without my knowledge. Operator said it had been since 2011. Now I understand that I should look more closely at the statement but I figured the interest was just high and make online payments every month. If I had ever seen it I would have cancelled it. I never take free XXXX things because it is too hard to remember to take them off. 

XXXX XXXX
Product: Mortgage

Trustmark Bank received funds from XXXX XXXX XXXX program to reinstate my mortgage loan on my house XX/XX/XXXX. Letter sent XXXX saying I was approved for XXXX trial period plan XXXX XXXX. XXXX payment XX/XX/XXXX was told to by XXXX customer service make XXXX trial payment by XXXX XXXX. I went to Trustmark Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay XXXX trial payment for XXXX XXXX, XXXX. Trustmark Bank teller did not accept my payment she said her computer showed payment to be {$1500.00} she was rude wanted to argue about payment amount. She told me the computer show mortgage payment was different amount. Returned Trustmark Bank with Trustmark letter showing trial amount was {$1400.00} XX/XX/XXXX, made payment. Trustmark Bank was contacted to let them know the Trustmark teller would not accept payment. Trustmark changed the trial payment agreement. Letter dated XXXX XXXX, XXXX, said XX/XX/XXXX, payment was received, and XXXX was offering extension til XX/XX/XXXX for XXXX trial payment XXXX trial payment due XXXX XXXX, XXXX. Received Trustmark Letter date XXXX XXXX, XXXX saying Trustmark requested Foreclosure Attorney office proceed with foreclosure of my home Breach Letter. Request for mortgage assistance with financials was sent to Trustmark XX/XX/XXXX. Trustmark is not keeping their agreements that they have explained in their letters to me. Breach Letter sent for foreclosure after Trustmark sent letter saying they would work with me on the trial payments. I feel I am being discriminated against because of being a XXXX XXXX not treated fairly. 
LN # XXXX.
Product: Debt collection

A loan under my name was takin out in XXXX XXXX XXXX I have filed a complaint against LVNV Funding LLC. before, and I have not gotten any help. I just sent them another message today, and asked to speak with a manger or higher up. I also wrote them a message in the past asking to talk to a manger or higher up. That never happened. My credit score continues to decrease because of this fraudulent loan, and LVNV Funding LLC does not help resolve the matter. I do not want my score to decrease again. I have also contacted other law enforcement agencies regarding this, and hope they can help me.
Product: Checking or savings account

Wells Fargo denied a legitimate credit card dispute because of fraudulent information provided by the merchant. They granted a provisional credit then reversed the credit with minimal investigation or adequate opportunity to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all required mail to the main three credit bureaus ( TransUnion, XXXX, and XXXX ) to place an initial fraud alert AND an extended fraud alert on my credit report as I have had fraudulent accounts opened, It doesnt show online that I have any fraud alerts on any of the credit bureaus. I have had fraudulent inquiries under my name and my information. I am a victim of fraud and identity theft. I need an initial fraud alert AND an extended fraud alert to be placed on my credit report on ALL three credit bureaus ( TransUnion, XXXX, and XXXX ) immediately. Thanks.
Product: Checking or savings account

On XXXX I electronically deposited 2 payroll checks with Chase Bank. My bank flagged them as fraud. I contacted the fraud department to resolve. They said to take the checks to the branch so they could see the checks and the multiple fraud deterrent security features. I took the checks into the branch but when the manager contacted the fraud department they still would not remove the hold. They then stated they need to talk to the issuer of the check. They tried to contact the employer on their " approved '' phone number but could not reach the Payroll department. Left voicemail. The company payroll department called Chase back but they said since the phone line was not on an approved line they could not verify. They then instructed us to have the company to simply stop payment and reissue the checks. The company tried to do so, but their bankXXXX XXXX XXXX XXXX, said Chase had deposited them so they could not recall them. We contacted Chase again and they said still could not release the lock or return the funds to XXXX  XXXX XXXX. It is now a week and the entire account is locked with no way to get other new funds in or out of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was used by a relative whom I didn't loan the card to and needs to be taken off of my credit report. 
XXXX XXXX XXXX Experian Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogator Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$660.00} No. of Months ( terms ) : XXXX High Credit : {$660.00} {$0.00} Credit Limit : {$500.00} {$500.00} Past Due : {$660.00} {$660.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. XXXX XXXX BANK OF AMERICA Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX, XXXX XXXX  acct # 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: Mortgage

THE LOAN SERVICING COMPANY OPENED AN ESCROW ACCOUNT WITH OUT ANY AUTHORIZATION, THEY STATE THAT THEY PAID THE PROPERTY TAXES AND THATS A LIE, THE XXXX XXXX XXXX TAX COLLECTOR SENT AS AN EMAIL LETTING US KNOW THAT THE TAXES ARE DUE. AND ONE OF THE LOAN SERVICING AGENTS NOTIFY ME THAT THE XXXX XXXX XXXX HAD RETRNED BOTH CHECKS BACK WITH OUT BEEN CASHED. AND THEY ARE STEAL TRYING TO FORCE US TO PAY ESCROW AND WERE NOT GOING TO DO SO.AND WILL LITIGATE THE MATTER FURTHER. AS THIS IS DONE IN BAD FAITH WITH INTENTION TO DEFAULT AND STEAL THE PROPERTY AS THE BANKS DID IN THE 2008 MELT DOWN. WHERE GOVERNMENT DID NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED THE CRA 'S TO FURNISH VERIFICATION OF ORIGINAL DOCUMENTS TO SUPPORT THEIR REASON FOR REPORTING ALLEGED DEBT ON MY CREDIT REPORT AND THEY HAVE FAILED TO DO SO. IT IS MY RIGHT AS A CONSUMER TO REQUEST SUCH INFORMATION UNDER " The Freedom of Information Act, 5 U.S.C. 552, is a federal freedom of information law that requires the full or partial disclosure of previously unreleased information and documents controlled by the United States government upon request '' XXXX XXXXXXXX ( EQUIFAX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX EQUIFAX ) XXXX  XXXX ( EQUIFAX )
Product: Credit reporting or other personal consumer reports

There were errors found on my credit report that I personally Disputed due to the inaccurate information listed on or around XX/XX/2024 with Experian. Experian failed to properly investigate this inaccurate information and their result was verified and updated dated which is a direct violation to me as a consumer. 
Reporting in question : XXXX XXXX XXXX XXXX Amount : {$5500.00} Under The Fair Credit Reporting Act ( FCRA ) which is the federal law that regulates the collection, dissemination, and use of consumer credit information. 

It is codified in Title 15 of the United States Code, specifically in sections 1681 et seq. ( 15 U.S. Code 1681-1681x ). 

These sections outline the requirements and protections provided by the FCRA to consumers regarding the accuracy and privacy of their credit information. Violations of the FCRA can result in legal action and penalties against credit bureaus that fail to comply with the law.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.
Product: Checking or savings account

I deposited a Treasury check for {$260000.00} into my PNC Checking and Savings accounts XX/XX/year>. The funds were available the next day, however a hold was placed on my account XX/XX/XXXX for an unrelated matter. I was told that an investigation would take place and could possible take up to 40 days to complete. Anytime that I spoke with Executive Client Relations for PNC, I was given vague or incomplete answers about my account. Many of the representatives were very evasive and would not disclose their contact information to me to further investigate the matter. I disputed the matter to your company as well as the OCC. The OCC complaint is still open but my CFPB complaint was closed without any due diligence or follow-ups. In the response letter from the bank, PNC stated a specific date that my account would be closed and that the credits were requested back from the IRS. I have a Low Cash Threshold alert on my mobile banking. Even though I was unable to log into my account, I would still receive emails regarding my account balance insisting the account had never closed. I continued to get emails daily about my XXXX balance through XX/XX/year>, well after the date provided that my account would be closed and the credits returned, I continued to get emails. One of those more recent emails ( XX/XX/year> ) shown a positive balance where the credits were placed back into the account and 7 minutes later removed. I do have those emails as well as screenshots. Once the account was closed, it was stated to me in a letter and response to both of the complaints that the funds were requested back from the IRS and the account was closed. I was provided with a lead number to followup with the IRS regarding my credits. Once I spoke with the IRS around XX/XX/XXXX, the agent reviewed the notes, stated the credits were to be returned XX/XX/year>, and that the investigation could take up to 90 days from that date. I relentlessly called the IRS for further details over the next month but to no avail. Yesterday, XX/XX/XXXX, I spoke with an agent, XXXX XXXX ( ID XXXX XXXX ), for several hours only to discover the funds were never returned to the IRS as previously stated nearly 60 days prior! I am currently unable to conduct my business affairs, facing several financial hardships, unable to provide for my children and elderly parents, as well as having interests rates and penalties applied for money that was never returned. XXXX also stated the IRS never requested a return of the credits, but that PNC insisted a return but did not hold their end of the statement provided in their response letter or verbally. That letter also stated that the positive balance would be returned to me, not the IRS. There have been NO attempts to resolved this matter by any of the above mentioned parties and according to the IRS agent, those funds have yet to be returned with penalties and interests rates continuing to accrue. Furthermore, the statements that PNC have stated are completely false and they are continuing to profit from my credits while my family and business suffer!
Product: Credit card or prepaid card

OnXX/XX/XXXX I electronically paid my Discover card in full, {$5900.00} as I always do every month.. On XX/XX/XXXX I had a purchase declined and then again onXX/XX/XXXX. On XX/XX/XXXX, I contacted Discover card to find out why. They told me they had never received my payment.I verified with my bank that it had been paid, received by Discover card and processed. When I told Discover they said again they had not received payment. After much time and frustration on hold, Discover card said they had applied my payment to another old Discover card of mine which THEY had closed over a year ago because of what they said they needed because of possible breach and potential fraud. When I asked them to transfer the payment to my current card, they said they could not do that. They told me they needed to send me a check which would take abut 5-7 days. In the mean time they said I needed to pay the credit card bill and they WOULD TRY, to take care of any interest or penalty when they received my new payment. Really? The main thing that upsets me about this is they never send me a late notice or anything, they just put a hold on my account which is very embarrassing as a business owner when I am trying to pay for services. I have outstanding payment history with Dicover card as well as all other account I have. I have excellent credit, XXXX credit score last time I looked. When I told them that I wanted all this noted on my account and any negative credit to be addressed. All they told me about the incident is, MISTAKES HAPPEN. Would they accept this answer from me. I think not!
Product: Student loan

This is my XXXX complaint against Wells Fargo student loans as my XXXX complaint and their response was not sufficient. I am the cosigner and the main borrow is not paying the loan even though ordered in the divorce decree and I sent this paperwork to Wells Fargo. I asked Wells Fargo to send me a monthly bill since I am and have been the only XXXX paying it the entire life of the loan. They sent me their policy stating they are not allowed to send XXXX bills. So I asked to not send the main borrower XXXX just me so I am aware when it is due before it is late with a late fee which is the only time I 'm notified of the bill. So I do n't have a chance to pay it on time at all only aware once it is late and with a late fee. The XXXX late payments on the account in the last 6 months have dropped my credit score almost XXXX points. The rest of the loan in over 3 years never a late payment. I am asking that in goodwill these late payments be removed and this removed from my credit as it is evident I have been trying to be proactive in being notified of this bill to pay it timely, have paid it timely and the associated late fees, and be sent the bill from here on out so they will continue to be paid on time. I have spent countless hours in the last 6 months on the phone with numerous Wells Fargo employees with no resolve. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up complaint against Experian ( see XXXX ) because this credit bureaus has either ignored my concerns in XXXX - they said that I did not provide specific disputes when they have records of those specifics from my disputes via online ( when I had access to dispute ) and via mail. 

I have done everything possible to formally file my disputes, and this CRA has repeatedly violated multiple sections of the FCRA with no regard for accuracy in reporting. The inaccuracies that I have disputed have come directly from the reports they have furnished! 

The company, as retaliation against me for filing a complaint with the CFPB, appears to have deactivated my ability to dispute legitimate errors on my file, online. I spoke with a representative recently who attempted to assist me but it was unsuccessful. 

Attaching formal disputes sent via certified mail to the credit reporting agency. These are the same online disputes that were submitted, although I can not access them because Experian has blocked me from using the dispute feature. I received an error message regarding technical difficulties. 

This credit reporting agency, at a minimum is violating 3 sections of the FCRA ; Sect 609, 611, 623. Experian is reporting inaccurate information on my file as " accurate. '' They are not investigating.
Product: Debt collection

I disputed and mailed them a debt verification letter in early spring XX/XX/XXXX. This account was deleted from my report and they just illegally readded it to my credit report on XX/XX/XXXX. Unbelievable. I would like this account removed as it was previously deleted from my report and readded monthes later.
Product: Credit card or prepaid card

I am writing now in hopes to obtain your help. At the present time I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this process. I am inquiring about the account number referenced in this complaint. 

I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2018 and I am writing this to have this remark retracted. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a reasonable investigation into inaccurate items on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I mailed a dispute letter to Experian via XXXX certified mail ( tracking # XXXX ) requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. 

To support my dispute and assist Experian in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 

However, on XX/XX/year>, I received an email response from Experian stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

According to the FCRA, Experian is required to conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed. It appears that Experian has failed to meet this requirement by not properly processing my dispute and not conducting a reasonable investigation into the inaccurate information on my report. 

I am attaching a copy of my dispute letter sent to Experian, along with their response, as proof of their failure to act.