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

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EQUIFAX. 
Despite my previous correspondence ( XXXX  XXXX XXXX ] and XXXX XXXX dated ( XX/XX/year> AN XX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EQUIFAX has not conducted XXXX proper investigation nor provided the required documentation.

Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : [ EQUIFAX ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter XXXX : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX. Creditor Name : Account Name : XXXX XXXX XXXX Account Number : XXXXPresent below the inaccurate information persistently affecting my credit report.
Product: Credit reporting or other personal consumer reports

XXXX did a proper investigation and deleted 2 Dept of Education loans and corrected my payment history on 2 accounts that i was never late on ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have attempted to resolve these issues with the credit bureaus and these still remain on my profile. No proof or original contract was provided. Please check with XXXX and correct these on my profile.
Product: Debt collection

I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Telerecovery ) on and around XX/XX/2018 which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge as a result of the identity theft. After receiving this information ( Telerecovery ) has not responded and continues to report the unknown fraudulent medical account ( s ) on my credit report ( s ). The account ( s ) are : # XXXX, amount {$310.00}. I also requested that ( Telerecovery ) advise me as to the names and addresses of the health care providers, the name of the patient, medical service ( s ) provided and the reported dates of medical service ( s ). ( Telerecovery ) did not respond to this request either.
Product: Debt collection

I have been receiving a ton of calls per day from XXXX. I have a total of 155 calls in the past 30 days. I am receiving more than 7 calls a day within a 7 day span. It's completely spamming me and i have had to use my cell providers service to try and block the non stop spamming to my number. You will see that in some instances i get multiple calls within seconds of each other so the minute looks the same on timestamp but thats how many times they are calling even within 60 seconds! I will include screenshots of my call log just in the past two months, this has been happening for well over 3 months now. this is the company : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

I received a wrist of garnishment from a company called Asset acceptance this garnishment is a fraud. I dont know what kind of deb is that. And I saw a case again me in court that was closed. The date of that case is XX/XX/2010. I assumed that company bought a deb but I still dont know which one. But Given the case the statue the limitation is expired and I earn less than {$750.00} per week and the they are taking money from my check. I don't know how they allow this scam company to do these frauds. I never received a judge resolution and this company is taken 25 % of my salary. I attached a copy of my paycheck.
Product: Mortgage

Mortgage Lenders took over my mortgage from RP Funding, basically the same company, but clearly not run equally, on XX/XX/XXXX. I sent my insurance renewal to them to ensure they had it, as it is paid through my escrow on XX/XX/XXXX. No response was received to that email. I received a notice from my insurance that it still wasn't paid and threatening to cancel me. I immediately reached out on XX/XX/XXXX, but could not reach a live person and had to email again. The response was inappropriate and wrong! They said they had plenty of time to pay the insurance. I received a cancellation letter from my insurance and immediately emailed them on XX/XX/XXXX and still have not heard back from them! They are a fiscally irresponsible company and should be banned from dealing with anyone 's funds, including loans, as they are willfully negligent! Is my insurance going to go up now? It's hard to find coverage in Florida! What will happen during tax time, will they delay again and not pay early for my discounted price? They need to be held responsible, this is criminal! Please help! 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Pentagon Federal Credit Union ( PenFed ) regarding their decision to block my access to XXXX without proper disclosure or justification. While PenFed did issue an adverse action notice related to my inability to qualify for a free checking account, they failed to explain why this should impact my ability to use XXXX, particularly since I had already been using the service through my savings account without any issue. 

Details of the Incident XXXX. I had previously been using XXXX through my PenFed savings account without any restrictions, and no credit check was required at the time of enrollment. 
XXXX. Recently, I opened a restricted checking account due to XXXX determination that I did not qualify for a free checking account. PenFed issued an adverse action notice for this determination, but they did not explain why this decision would result in blocking my XXXX access. 
XXXX. PenFed has now claimed that my access to XXXX is blocked due to my creditworthiness. However, no disclosure was provided when I initially signed up for XXXX that tied eligibility to credit reports, and no adverse action notice has been issued explaining this specific restriction. 

Key Issues XXXX. No Disclosure Regarding XXXX Restrictions : When I first signed up for XXXX with my PenFed savings account, there was no indication that my credit report would play a role in determining my eligibility for the service. 
XXXX. Inappropriate Adverse Action Application : While PenFed issued an adverse action notice regarding my inability to open a free checking account, this notice did not explain or justify why my XXXX access was being blocked, particularly since the funds in my restricted checking account come from direct deposit. 
XXXX. Lack of Transparency : Blocking access to XXXX nowafter I have already been using the serviceappears arbitrary and inconsistent. Furthermore, no adverse action notice specifically addressing the XXXX restriction has been provided, as required under the Fair Credit Reporting Act ( FCRA ) if this decision was based on my credit report. 

PenFeds actions appear to lack transparency and may violate consumer protection laws. I ask the CFPB and XXXX to investigate this matter to ensure PenFeds policies and practices comply with applicable laws. 

Thank you for your attention to this issue. Please feel free to contact me for additional information.
Product: Debt collection

On XX/XX/20 I received a collections letter with intent of legal action from Jefferson capital systems LLC, claiming they purchased a debt of {$590.00} from XXXX and offered a {$450.00} pay off to avoid legal action and garnishing by XX/XX/20. 

On XX/XX/20 I sent a certified mail with return receipt validation request, it was signed for on XX/XX/20, it is now XX/XX/20 and I have not received any validation paperwork from the company, its over 30 days and they refuse to verify the debt as mine.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Complaint Description : Experian has been inaccurately reporting a closed and charged-off XXXX XXXX XXXXXXXX Card account as active and over the limit. This incorrect reporting has triggered alerts from multiple financial institutions, negatively impacting my credit profile and financial standing. 

Despite submitting two previous disputes to Experian, the issue remains unresolved. The first dispute was submitted on [ date of first dispute ], followed by a second attempt on [ date of second dispute ]. Experian has failed to correct the reporting, despite being provided with supporting documentation indicating that the account was closed and charged off. 

As a result of Experians continued inaccurate reporting, I have experienced significant financial inconvenience, including declined credit applications and higher interest rates due to the erroneous over-limit status being reflected on my credit file. 

I am requesting immediate action from Experian to investigate and correct this reporting error in compliance with the Fair Credit Reporting Act ( FCRA ). If Experian does not resolve this issue promptly, I intend to escalate my complaint further with appropriate regulatory authorities. 

The inaccurate reporting must be corrected to reflect the true status of the account as closed and charged off.
Product: Mortgage

I 've been having continuous issues with this company. We had an approved short sale with a buyer, but the buyer walked so we submitted a new offer at the same price. I was told it would not take long to reapproved the short sale with the new buyer because the offer amount is the same. We are now 117 days into the process and the lender 's underwriting debt keeps delaying the file and restarting the " within 30 days of complete packet '' timeframe. The lender promises a decision on approval within 30 days of a complete packet however this is the third time underwriting has kicked back the file at the 29 day mark to request a irrelevant correction. For example, the first time we were 29 days into review under writing ask for an estimated figure on the buyer 's side of the hud to be removed- this is not something t hat is at all relevant for the short sale as it is common knowledge these figures are estimated and they have no effect with the short sale as far as the lender is concerned. Next after 29 days the file restated the process because underwriting requested that the listing agent be included on the third party authorization- this is not something that should of restarted the process   because the agent is not an authorize d third party,  So that started the process again, now they asked for a typo correction on the HUD  XXXX  I was told on  XXXX   XXXX  that the file would be escalated because underwriting should of requested that the first time they asked for a correction on the HUD  XXXX  On Friday  XXXX   XXXX  I confirmed the file was still escalated and I was told we would have a decision within  3-5 bu siness days. I called today and spoke to a supervisor  XXXX   XXXX  and was told they did not escalate the file and will not. So that means I was LIED to, SPS records their calls and manager refused to listen of escalate the file. The lender started the process over yet again and we are going to lose the buyer.
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account. As a victim of identity theft, my personal information was fraudulently used, resulting in this item being added to my credit report without my involvement. Following instructions from Equifax, I filed a report with the FTC and submitted it, but this fraudulent item still remains on my credit report. This fraudulent item has been previously deleted off my credit report and was shocked to see it reinserted without my knowledge, this is really insulting and a blatant violation of my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I contacted what I thought was leasing agency that a property owner sent me to schedule a tour for an apartment I was interested in the leasing agency had what looked to be a legit email n website linked and stated I need to pay a temporary deposit for the background check and tour of the home since everything would be done that day of the charge was for {$190.00} to a XXXX XXXX. Once I sent proof or XXXX they had blocked me then never heard back from them. I contacted my bank Wells Fargo to report a scam that was made through XXXX and would like to report it and try to get my money back, they stated that there was nothing they could do to get the money back as stated on the app once XXXX transaction is made it is final, I asked for HR number and was told it is on their website and I could access it myself I asked for their fraud team and they stated they could transfer me but they wouldnt be able to do anything since XXXX gives a warning for scam and fraudulent transactions.
Product: Mortgage

My husband and I have submitted two prior complaints regarding our Deed in Lieu with PennyMac. We started the deed in Lieu process on XXXX XXXX, XXXX. We were assured after the first complaint that the process would be completed by end of XXXX XXXX, we then were told after the second complaint it would be completed by end of XXXX XXXX, we are now at the end of XXXX XXXX, and even though the deed in lieu was recorded with the county on XXXX XXXX, XXXX, our case has still not been closed. We are still waiting, and have yet to have a satisfactory resolution from PennyMac regarding our Deed in Lieu.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.XXXX  XXXX & XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my Experian score dropped 22 point for no reason, I made no new inquiries, my spending habits are the same and nothing has changed in my report only my score. This is unacceptable and builds a sense of distrust for this system, is it designed for individuals to fail no matter how hard they try to have a decent and meaningful life? Please help me understand what is going on. Thank you.
Product: Debt collection

Dear Creditors Discount & Audit, This letter is to dispute an inaccurate account that XXXX XXXX has reported to your agency. The account in question includes a debt that I do not owe. 

I demand that you investigate this account and delete it as it is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a consumer protection law that prohibits debt collectors from using false, deceptive, or misleading representations when collecting a debt. 

I am requesting that you delete this account from my credit report and provide me with a letter stating the account has been deleted. In addition, I am requesting that you provide me with the name and address of the original creditor. 

I am attaching proof of my identity and a copy of my credit report for your reference. Please contact me within 30 days of receiving this letter to confirm that you have deleted this account. 

Thank you for your prompt attention to this matter. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

These are in regards to transactions with the website : XXXX XXXX XXXX or XXXX. And Chase Bank. 

On XX/XX/XXXX and XXXX, XXXX, I received notice that my dispute was denied for a transaction amounting in {$56.00} and {$100.00}, respectively. These two amounts are connected to case numbers XXXX and XXXX. On XX/XX/XXXX is when I originally submitted both claims for the amounts listed above. 

The seller stated that they delivered the item to my address, but it was not received, and when provided with the tracking number and the 'proof ' that it was delivered, it was evident that the items were sent to the wrong house. The number for my address and the number of the house ( in the pictures connected to the tracking number ) are completely different. 

These pictures were also requested by myself during the first week of XXXX to see the proof that the seller provided. In the photos of delivery that were sent to me, it was still clear that the picture of the house was not matching the address on the package. How this was overlooked was beyond me. 

Also, for further investigation- here is the tracking number for XXXX- you may have to pull it up on your phone : XXXX. But it states delivered, and if you want to see the picture, use postal code XXXX to bring it up. THE PICTURE OF THE HOUSE AND MY ADDRESS DO NOT MATCH. XXXX IS NOT XXXX. 

When calling my bank to get more answers, I am concerned with the lack of knowledge that they have and how we are unable to appeal this right away. I am now out of my packages and I am out of {$150.00}. The disputes department did not want to help me and now they are claiming to take away my money by the XXXX, yet again. 

The seller was no help, as well, and stated that it is not their fault multiple times and it is 'unfair ' to them if I request a refund and it is not their fault that the package has not arrived. I entered a contract with them by basically sending them money for goods, I fulfilled my part of the contract, and I did not receive my goods. Therefore, they did not fulfill their end of the contract. 

I have included my correspondence with XXXX or any associates connected to them, my correspondence with Chase and letters I received from them, proof they have sent me, and my 'proof of delivery ' that was connected to the tracking number listed. I would like my money back and to never experience this again.