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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating
Product: Debt collection

Medical billing failed to submit my doctors bill for XXXX. They filed the bill for the hospital, ( witch was paid by my insurance. And did not claim for the Doctors bill, until after 12 months, which was refused by blue cross, for untimely filling. I call the my insurance, who txt me I was not responsible for this bill, even knowing this they put me in collections. The insurance, XXXX, is sending me a letter, to explain it was the Doctors group, who is at fault but will not admit their mistake.
Product: Checking or savings account

Chime bank closed my account months ago. I've asked them to reprint my check ( about XXXX dollars ) to no response at all. I'm XXXX XXXXith XXXX just floating in a XXXX bank instead of not sleeping outside this winter. Your welcome for this infantrymans service XXXX. I want my XXXX money. I want this bank to stop ignoring my XXXX XXXX complaints. Wire my XXXX XXXX  monet to me now
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 40 days so they should be updated to payed as agreed promptly. I demand these accounts be updated immediately, or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.
Product: Debt collection

Convergent is calling my home, cell phone and work phone many times a day. Sometimes over fifty times daily. The debt is over a decade old and is beyond the statute of limitations. They are threatening my family. I was told they will send the boys from XXXX if I do not send them money.
Product: Debt collection

Complaint Details Complaint Details XXXX XXXX XXXX Yes I been trying to get XXXX XXXX XXXX XXXX XXXX to validate my debt they say I have with them ... Via 609 letter ... this letter is asking for proof of a signed contract by me they suppose to provide with my signature.. I did not give anyone my permission to give my personal information out ... XXXX XXXX XXXX XXXX just keep sending me documents that do not pertains frca regulations.. basically it looks like a made up receipt.. the issue has been going on for a couple of months.. and is hurting my credit history.. proper validation is what I need to handle this issue ...
Product: Mortgage

I have a mortgage account with PNC bank and established an online account access with them. For some reason my online access has been revoked. When I called them why I cant access my account they told me that I dont have an account with them. I have been making payments to them for more than a year now. Im not sure why they are saying my account doesnt exist while Im making my payments on time. My original account was with XXXX mortgage company but for some reason they transferred it to PNC bank and sent me a letter stating that I should send my payments to PNC Bank which I have been doing for more or less 2 years now. Im really worried if Im scammed by PNC bank in deceving me to making payments to them when there is no account. I dont what will happen to my house, not sure who to trust or whom to pay. Please help.
Product: Mortgage

In XXXX I received a notice that our property taxes were delinquent. Those should be paid in a timely manner through the escrow account of the mortgage. I called the XXXX of XXXX to confirm all information and then spoke with XXXX at Freedom Mortgage on XX/XX/XXXX. She informed me it would take up to 14 days to resolve, once they received a copy of the delinquency notice via the secure portal. I sent the requested documentation that same day. On XX/XX/XXXX, I received a notice via the secure portal that the issue was being looked into and would have resolution by XX/XX/XXXX. This is not a timely resolution. On XX/XX/XXXX a statement was mailed to our home informing us that our mortgage was increasing by over $ XXXX due to an escrow account shortage. I made a call to Freedom Mortgage upon receipt of this notice on XX/XX/XXXX, which also informed us that this payment increase would go into effect in fewer than XXXX weeks. I spoke to XXXX in the escrow office at FM and he confirmed that because of the large payment that came out of the escrow account on XX/XX/XXXX to the city of XXXX, it created the shortage and that same day the mortgage assessment formula was run, increasing our mortgage significantly. We, as consumers, are paying for the errors of FM and this is a bad business decision in a financially precarious time in the country. XXXX escalated my concern to XXXX ( ID # XXXX ) who offered to spread out our overage over 48 months instead of 12 months. Again, this is passing financial liability and responsibility to me and my husband for the error of FM. I then had to spend time explaining to XXXX why XXXX XXXX in the tax dept ) could not help me with the new set mortgage amount and I had to re-explain what errors occurred leading us to this point. She stated that she'd submit the request to spread out the overage cost and it would take 10 business days. I asked her how I was supposed to trust that it would take 10 business days when the original issue was supposed to be resolved in 14 days and it took from XX/XX/XXXX to XX/XX/XXXX. XXXX finally agreed to escalate me to a supervisor, I am still waiting for resolution and supervisor assistance. My mortgage should not go up over {$500.00} a month because FM was unable to conduct their business within a reasonable time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ACCOUNT IS STILL SHOWING ON THE CREDIT REPORT EVEN THOUGH THE ACCOUNT HAS ALREADY BEEN DELETED BY THE CREDITOR. IT IS BEING INACCURATELY REPORTED BY THE CREDIT BUREA
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Transunion / XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reporting Please delete those account XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX.XXXX XXXX, XXXX XXXX # XXXX Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1975 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

The amount for XXXX at {$300.00} was reported paid off at 21 %. The company ERC XXXXEnhanced Recovery Company is trying to collect this account at {$300.00}. I have paid this account already and know it is showing up as full balance on my credit report again.
Product: Checking or savings account

Tuesday XX/XX/24 found bank had closed my 3 business accounts and 1 personal account. When i called for clarification they stated i had deposited a " forged check ''. the check they were speak of was a check in the amont of {$5100.00} that i had taken as a deposit for work for a customer. I had no way of knowing the check was bad, it looked like a legitimate check. I get 1-2 scam calls weekly and typically easily disern them from legitmate business calls, so i am assuming this check was from a scammer as they have not returned any of my calls since the incident. i spoke to bank and explained the sitiuation and they could not articulate how i was suppose to know the check was bad. My accounts had funds in them and i now hace no access to opperating capital for daily exspense or making payroll. the bank was unwilling to reopen accounts or let me withdraw funds from a branch. they plan to take 3 days to fininsh closing accounts then mail me a check for the balance of accounts. closing my opperating accounts means no gas for trucks, no material purchases and no money to pay employess. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Co XXXX XXXX 15 U.S. Code $ 1681c- 2 a consumer reporting agency shall block the reporting of any information 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, Date XX/XX/XXXX I am writing to address the incorrect and continuous reporting from Opportunity Financial. My credit report shows the Opportunity Financial account ending in ( XXXX ) as 90 days late continuously despite the account being closed, in collections, or charged/ written off as of XX/XX/XXXX. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA, 15 U.S.C. 1681s-2, specifically outlines the responsibilities of furnishers of information to consumer reporting agencies. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Moreover, the FCRA mandates that once a debt has been sold or transferred to a collection agency, the original creditor must accurately update the account status. Continually reporting the account as 90 days late each month after the debt has been sold, closed, in collections, or charged/ write off as of XX/XX/XXXX is inaccurate and misleading. Reporting an account as 90 days late 47 times is highly irregular and is usually a sign of misconduct or corruption within the company. 

These practices are not consistent with the standards set by the FCRA and reflect a blatant disregard for legal and ethical obligations. Repeatedly reporting false information not only violates the FCRA but could also be considered a form of harassment under broader consumer protection laws. The persistent and inaccurate reporting of my account status appears to be an attempt to coerce or harass me into making payments on this account, which is both unethical and illegal. 

Please take immediate action to correct this inaccurate reporting. Failure to comply with these requirements will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially seek legal remedies. 

Sincerely, XXXX XXXX, XXXX
Product: Credit card or prepaid card

I am an American Express XXXX card member for which privilege I pay {$5000.00} a year in fees just to use the card. I called the company to make a payment on my account. I called at XXXX XXXX  on Saturday, XX/XX/XXXX. I called on the dedicated line for XXXX members - XXXX XXXX XXXX. I was on hold for 17 minutes 14 seconds. This is different than the service levels the company advertises when procuring the card so this is a clear case of bait and switch. I called to pay the balance due on my card but I could not get through.This level of service is absurd for someone who is supposedly a good customer and has been so since 1983. This has now happened multiple times and is a clear breach of the customer service agreement I was promised when paying for the card
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent these companies several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, i have not received a response or results from these agencies. my local law enforcement advised me to file a ftc report and send it to the 3 credit reporting agencies which i have done, but they have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B these agencies are too block any and all fraudulent information. i will be including a copy of my XXXX  report which is the only documents by federal law that i am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes so this company will not close this complaint saying they do not believe this was sent by me or authorized by me. I XXXX XXXX XXXX XXXX authorize this complaint
Product: Credit card

When I got my CitiBank card I tried to add it to XXXX XXXX and then my account got locked. When I called customer service to resolve this issue, they asked me for a phone number they can use to send a verification code. I then gave them two viable phone numbers to use, yet they still failed to allow me to prove my identity, requiring the mailing of a letter for 5-7 days. The use of offshore cheap labor contributes to poor quality customer service from people who have bad quality microphones and do not speak English well.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing inaccurate information on my credit report.
Product: Student loan

There was a third party being part of my account. I had to pay about 3years straight {$350.00} so my loan interest would not go high or have any late payments. Also it was supposed to be also as getting the Loan at its lowest and would not have to pay the full amount. The person " XXXX '' was assuring me to get my loan cleared and paid by Government payoff that was supposed to happen. ( It never happened they were just charging me. ) Not sure what needs to be done. I would like some help to put the complain in and see if I can get my money back from them for charging me for free services that should have been given this entire time.
Product: Debt collection

I pulled my credit report and LVNV is appearing on my credit it is showing as a collection on XXXX and XXXX. Showing absolutely no information on XXXX. Inaccurately, reporting on XXXX as 120 days late. Collection on XXXX and again absolutely NO INFO on XXXX. Showing a past due balance on XXXX and XXXX. Shows credit history on XXXX as XXXX, and XXXX for XXXX and nothing on XXXX. How can all reporting to each of the credit bureaus be completely different? I would like this account to be completely Deleted from my credit report from each of the 3 major credit bureaus : XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent out letters to the credit bureaus regarding accounts that should not be reporting on my credit. I havent received any documents in the mail or anything saying an investigation was started. I am thinking that the credit bureaus are ignoring me. I did a little research of my own and saw that if the credit bureaus do not complete an investigation within 30 days the accounts I disputed had to be deleted. So at this point all the accounts need to be deleted from my credit reports because the credit bureaus did not complete the investigation in 30 days.
Product: Checking or savings account

I called to dispute a transaction and was given a reference # in the mean time I was getting charged numerous overdraft fees. In that time I had {$200.00} + credited to my account but instead Wells Fargo deducted it from my account. No action was token by them and closed my account.
Product: Credit reporting or other personal consumer reports

I want to delete a inquiry in my credit bureau credit report experian
Product: Student loan

I signed up for the SAVE plan when the announcement about it first was sent out. I received confirmation that my application was received on XX/XX/2023. My API is only XXXX  XXXX, so under the SAVE plan, I should be making {$0.00} payments on my loans. 

On XX/XX/2023, I received an e-mail from Aidvantage saying that my next payment due was {$330.00}. When I contacted Aidvantage, they told me that the SAVE plan wasn't processed because I had to first exit out of my IBR plan before the SAVE plan would go into effect. This was never communicated to me throughout the entire month of XXXX. 

The person I contacted then said that my only option was to exit out of the IBR plan I was currently on, and that I would have to a final monthly payment or go into forbearance with a {$5.00} fee. I accepted this, they took my money, and I thought everything was done. I received an e-mail on XX/XX/2023 that said my forbearance had posted. 

On XX/XX/XXXX, I received another e-mail saying that I still owed {$330.00}. I contacted the processor again, and they said that they would walk me through reapplying for the SAVE program, because they believed I had somehow done things wrong. They said if I applied over the phone with them, it should post properly. 

On XX/XX/XXXX, I received an e-mail saying that I owed {$330.00} for the month of XXXX. This is after XXXX times of trying to get onto the new SAVE program.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sued me for charges they agreed to credit me. They took {$130.00} that was left to credit and drove it up to {$7700.00}. The court dismissed their case. The negative report is still on the credit bureau. I submitted the court order to Experian. They are not doing anything. I spent the whole day trying to add to the dispute letting them know again about the court order and sending the order again. I tried different browsers. The twenty times or more I tried to submit it, it erases everything. I start over and over and over and get the same results. 
Experian has the Court Order I mailed to them XX/XX/24. I tried to upload it for you but it won't attach.
Product: Credit reporting

RE : ACCESS TO MY TRANSUNION CREDIT REPORT. 

Last night I DOWNLOADED A COPY ( OR SO i THOUGHT ) FOR MY PERSONAL FILES AND TO PRINT LATER. WHEN I GOT READY TO PRINT THE CREDIT REPORT, I RECEIVED AN ERROR STATING INVALID FILE STRUCTURE. please see attached pdf for detailed screenshots. i am unable to go back to transunion or XXXX and download another copy. 
I understand the policy is you get the XXXX chance to download the file and it is stated to print of download a copy for XXXX 's files because of not being able to go go back and access at a later time. BUT I did download my report and as you can see in the attachment it appears I legitimately have my transunion credit report downloaded as a PDF - i.e no error messages are present NOR did I receive error messages while downloading. SO i exited transunion to go to next credit report. I would like to be able to get a copy of my report and do not feel I should have to pay. please feel free to contact me at : XXXXXXXXXXXX or cell phone XXXX
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violated the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure mu rights are upheld. Thank you.
Product: Debt collection

I'm unaware of this debit, I never had the opportunity to dispute this debt. I was never given the proper time too adress or assest this debt. If infact you belive you gave me the right notification, please send mw a copy of the certified letter with my Signature.
Product: Bank account or service

I had a US bank account a couple years ago that was hit by fraudulent activity. I called customer service as was told my account would be closed and not to worry about it, a few months later I started receiving bills from them stating I owed over {$1000.00} in overdraft fees and that my account had not been closed. I called the customer service again and was told that the other guy did n't do his job and that if I did n't pay them right away they were going to report my account as being abused and fraud on me. I refused to pay as I had already been advised that I would n't have to worry about it. I have since had a XXXX XXXX 2nd chance bank account for over 2 years now and feel that I am forcing myself to suffer by not having a real account all because US bank feels it 's ok to rob people.