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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX  [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

As of XX/XX/22 I have received calls once or twice weekly ( and escalating ) from a company calling themselves Halsted Financial Services at ( XXXX ) XXXX. They use a robo machine to make collection calls and texts using anonymous numbers to avoid screening. Each time I have answered the same woman with a distinctive accent attempts to " verify '' my details before talking about my " debt. '' She immediately begins asking me for personal information and already has the last 4 digits of my Social Security Number. They claim I have a debt with XXXX XXXX, a company I have never had an account with as I have had XXXX XXXX XXXX XXXX for XXXX years. I called XXXX XXXX and verified with XXXX in their billing department that I have never had an account or debt with them. I then called Halsed Financial and the phone was answered by a woman with the exact same distinctive accent. She and her " supervisor '' both said they would take me off the call list with nothing more than my curt insistence that what they were doing was wrong. These people are committing fraud and the " less savvy '' need them to be put out of business. Thank you.
Product: Mortgage

XXXX I contacted US BANK for assistance due to COVID-19 that affected job hours. US bank did let us skip payments for 7 months and ONLY thing they advised about adding the amount to the end of the loan, but never ONCE explained that this would have to be paid all up front before we can refinance. I tried to refinance with another lender for multiple time and most of them are only going to do 80 % LTV if you do cash out to take care of this extra amount, since I do no have enough equity built in, I am not able to refinance and stuck with this company with HIGH interest rate and they are not willing to help in any way or form or shape. It's very unfortunate that I requested assistance without knowing that we were getting XXXX  over in the end, especially without any knowledge. In addition to 7 month of payments that was behind, they also added escrow balance to that amount as well which is over {$9500.00}. Very frustration for people that are in this situation like myself. Please help US all to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XXXX XXXX, 2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried fixing this since XX/XX/2022 The collection is XXXX XXXX XXXX {$1600.00}. This collection has violated the HIPPA Law and FCRA! 
Also Ive done FTC for inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

I have been awaiting debt validation from this company since XXXX 2014. I sent them a debt validation letter on XXXX/XXXX/14, however to date I have yet to receive any documents from them. I have sent a failure to validate debt letter to them too and still no response. The illegal thing is that they continue to report to my credit reports monthly since I have requested validation.
Product: Debt collection

My ex-wife and were patients of the same dental practice XXXX XXXX XXXX XXXX XXXX ), they have tied my information to her medical debt of {$2600.00}. I called and spoke with the dental practice who stated since it's been turned over to a collections agency ( WAKEFIELD & ASSOCIATES ) there was nothing they could do. They refused to speak further about it because the debt is not mine and we are no longer married. I submitted a dispute with the collections agency who denied it stating it meets the FCRA requirements. 

My ex-wife and I were divorced in XXXX of XXXX. The services that were provided to her were in XXXX of XXXX. I was no longer a patient of this practice as of XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I settled a debt with the creditor ccs from XXXX and told me they will change the status to settled in full but shows a balance on my credit report please fix this issue its inaccurate and please report this problem to all of the 3 bureaus XXXX XXXX and XXXX have them change the account status on my credit report or Ill take legal action!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not open a dispute on a wrong address on my credit report. 

Please remove address : XXXX XXXX XXXX XXXX, GA XXXX I never lived at this address and I have proof of my previous address and my current address. 

You can not keep an address on my credit report that I never lived at in my life that is a violation of my rights. 

I am uploading proof of address change and my old and new drivers license to proved I never lived at this address.
Product: Bank account or service

In an understanding for 'Formal Disputes ' of Bank Transcations with Merchants, only certain Banks file Formal Disputes where as, in the Past if ( you ) did not. Contact the Bank within Days or Hours in receiving a Letter the Bank would impose Excessive Fines and Fees on Top of, Additional Fines and Fees.
Product: Mortgage

When I refinanced my new construction home, the XXXX tax assessments had not been released and my lender used estimated values. These values were over estimated so that the payment at closing paid both the XX/XX/XXXX and XX/XX/XXXX installments. In addition, to paying the tax year in full, there was an overpayment returned to the settlement agent. 

I have submitted documentation ( attached ) from the county tax assessor and treasurer several times to my mortgage servicer and have asked that they update their escrow lines and perform an escrow analysis ( XXXX e-mail requests and XXXX phone calls ). The escrow lines were updated incorrectly and subsequently returned to the original set up from closing. Based on current assessments and tax rates, the escrow was over-collected at closing and continue to be over-collected on a monthly basis ( in an amount of approximately {$150.00} per month ). 

When I called today to check on my most recent request, the representative advised that they confirmed with the county that the installment in XX/XX/XXXX had not been paid ( though I have provided documentation otherwise ) and that they have completed an escrow analysis that shows the account is in balance. 

Based on the current tax assessment and rates ( XXXX assessment {$36000.00} / Primary Tax Rate ( Per {$100.00} ) {$9.00} / Secondary Tax Rate ( Per {$100.00} ) {$6.00} ), the estimated XXXX tax is {$5900.00} ( {$360.00} * {$9.00} = {$3500.00} ) + ( {$360.00} * XXXX = {$2300.00} ). 

On a monthly basis, the amount being collected for taxes should be {$490.00} vs. the {$640.00} being collected today. The next installment due dates are XX/XX/XXXX and XX/XX/XXXX. 

I realize that because the county does not set the tax rates until XXXX of next year, there may be a shortage due to any increase in rate, as would typically be expected each year.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The information below details the affected accounts and inquiries : Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$680.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i have been checking my credit report recently and i went to the section where the hard inquires are and i have no idea what this one is. it is " Brclysbankde '' Inquiry from XX/XX/2018 Nor do i remember doing anything around that date with said merchant. 

My family and i have been involved with someone getting into our credit account and i think that maybe what had happened here. 
I have no recollection of this And i am in the process of repairing my credit and i wouldnt just " apply '' to anything, especially with a score so low. 
I know derogatory remarks can stay on the report for a while and i dont want this one thing that i didnt do hold me back for apply for an apartment in the summer time. 
I tried to contact XXXX XXXX, havent heard back. so i escalated this situation with you guys. 

I only ask if you can please remove the derogatory mark from my credit history.
Product: Checking or savings account

I deposited a Certified Check ( {$12000.00} from XXXX  ) into my Trusit checking account - online deposit. Truist placed most of the funds on hold until XX/XX/2023. This seems an excessive lenght of time for a Cashier Check from another bank. I dont see the rish to Truist bank. Also, funds i try to sendusing the XXXX app are also, placed on hold. 

Hello XXXX XXXX, Account Number : Business Day of Deposit : XXXX Total Amount of Deposit ( s ) Subject to Hold : {$12000.00} Available XXXX : {$5500.00} Total Amount of Funds Held : {$6400.00} " During our review of your recent deposit ( s ), we found it necessary to place a hold on the check ( s ) deposited. This hold will delay the availability of these funds to cover any outstanding checks, ATM withdrawals, debit card purchases, or other debit items, such as cash withdrawals or wire transfers. 

We encourage you to monitor your available balance through Online Banking, Mobile Banking, or by contacting us at XXXX ( XXXX ). 

The reason for the hold and the date on which the funds will be available are outlined below : '' Deposit ( s ) Subject to Hold Funds Held from Deposit Date ( s ) Funds Will be Available Hold Reason {$12000.00} {$6400.00} XXXX Total Deposit for today exceeds {$5500.00}
Product: Debt collection

I had a trust account with northern trust company. XXXX Florida branch. My mom had her estate administrated by them and her will and trust became irrevocable when she died XX/XX/XXXX. Article Third of mom 's amended will which she amended XX/XX/XXXX, states the sole mention of the condo, in the will and trust.it says if my brother wanted the condo, he could have it and the value of the condo shall be deducted from his share of the estate. The plan of distribution of the amended irrevocable trust is 5050.the condo value was XXXX he took the condo in XXXX, sold it spent the sales proceeds. They never took the deduction for my equal share. Instead, in XXXX, they said his account was over funded by XXXX, so they deducted that from his account transferred it to mine. They called this half the value of the condo. They also called it the whole value of the condo.fact is, as the account statement showing the transfer says, the overfund was from a distribution in XX/XX/XXXX, made in error to his trust from our mom 's trust estate. In other words, nothing whatsoever to do with the condo. They also created a fraudulent accounting in which they falsely show the condo value as if added twice to the portfolio funding for both trusts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 vears 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute inaccurate information reported by TransUnion on my consumer report, specifically a XXXX XXXX XXXX  identified as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, allegedly filed on XX/XX/year>. This information is incorrect and must be removed from my file immediately. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( XXXX ), consumer reports play a crucial role in determining credit and employment eligibility. Therefore, TransUnion has a legal obligation to ensure the accuracy of its reporting. The inclusion of this erroneous XXXX  violates this principle and has caused significant harm to my financial standing. Pursuant to 15 U.S.C. 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in its reporting. However, the presence of this incorrect XXXX  demonstrates a failure to meet this standard. Additionally, under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccuracies, and TransUnion is obligated to conduct a reasonable reinvestigation. TransUnion 's failure to correct this misinformation may constitute willful noncompliance under 15 U.S.C. 1681n, which allows for statutory damages, punitive damages, and attorneys fees. Alternatively, if this violation is due to negligence, TransUnion may be liable under 15 U.S.C. 1681o, which provides for actual damages and legal costs.
Product: Credit reporting or other personal consumer reports

It is of utmost importance that prompt measures be taken to prevent the usage of fraudulent accounts that have been bought to light as a direct consequence of the Equifax data breech/identity theft. In light of ongoing investigation by the federal trade commission it is incumbent upon us to comply with regulations laid down in the fair credit reporting act section 605B, which mandates the blocking of such information until the investigation is concluded. As such, it is imperative, that we take Swift and decisive action to protect our customers and uphold our commitment to compliance and security. Continue unauthorized inquiriesXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ( XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

XX/XX/2023 {$5700.00} Navy Federal Credit Union ( NFCU ) refused to authorize transaction. 

Talked to two females at phone number for NFCU, lied and said problem is not them. Asked to talk to supervisor of first female, second female was not supervisor and then directly contradicted me about asking to speak to supervisor, then transferred after long hold to male. Man continued with same claim problem is not NFCU, wanted to ask about why name of business on card is XXXX XXXX  XXXX, did not want to discuss, claimed I was wrong about topic of discussion, and when confronted with his problem, which all other customer service persons have problem, hung up on me. 

Called and spoke to XXXX, who although nice, claims address is different than one on statement. I have already told NFCU the business should be XXXX XXXX  not a limited liability company ( LLC ). The address listed on the statement is a post office box I no longer use, and all these people say my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Wisconsin XXXX, which is wrong, the address on the statement is what is being used. 

XXXX said he was going to talk to the fraud department. After a long time on hold, he said he was still trying. 

I have issues with NFCU disputes on their credit cards. They would not do anything about them, always just say the dispute is my problem. This time around, transactions went through fine, now they falsely claim my information is not being submitted correctly in the electronic transaction. 

Spoke to someone named XXXX, had similar issues communicating, asked to speak to someone else, gave me flak about it and put me on extended hold. 

Now talking to XXXX. Claimed to be in fraud department, but had no idea what transactions I was referring. Hung up on me. 

Spoke to XXXX. Transferred me to a specialist who was unable to resolve the issue, even though XXXX told me exactly what the problem is. After difficulties communicating with this person, who XXXX claimed was able to resolve the problem, she transferred me. 

Spoke to supervisor. Most relevant complaint is NFCU purporting to offer credit, and not allowing me to use it. Talked to what sounded like an African-American lady, was sort of wise about getting me to respond. 

Plan to close card as soon as possible. Unable to change business name from XXXX XXXX XXXX to XXXX XXXX  on credit card or provide service claiming to provide.
Product: Credit reporting or other personal consumer reports

I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/year> and alerted them of the unknown accounts and requested verification. 

Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 

I thoroughly investigated the accounts with XXXX XXXX XXXX XXXX XXXX are not my accounts and are not verifiable. 

Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2,
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report. Even after investigation, I would like these items immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 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. 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 have violated my rights. 
In accordance with the fair and reporting act public law 91-506 Title VI section 611. Please provide the name and the business address of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your investigation.
Product: Consumer Loan

Good afternoon, I do n't know if I am sending this to the right department, but I do n't know who else to turn to. I have reached the end of a long rope with a first time car loan company out of XXXX XXXX called Tidewater Motor Credit. I did a Voluntary Repossession with this company because I did not like the way they were doing their business and the way they were treating me as a client. There was a file claimed against me and now they are garnishing XXXX % of my paycheck. Now this may not seem out of the normal, except I told them to take the car, and they did take the car and sold it at auction back in 2003. So they have come back 12 years later and garnished my paycheck for {$10000.00} more than the original loan. I do n't know how this is legal but now it has put me in such a financial hardship that I have seriously considered taking my own life just because I am tired of dealing with it all. I have a severe bleeding disorder and already have to live everyday of my life in XXXX and from that I have XXXX and this just compounds all those things. The attorney for this company, named XXXX XXXX from XXXX XXXX, just acts like he has his foot in my throat and almost laughs in my face. How is all of this possible and no one seems to want to help me. I have contacted the attorney general for the state of XXXX and XXXX and everyone just passes the buck. I even contacted the XXXX Firm and still, no one wants to help me. What in the XXXX can I do? 

I hope you can help and can shine some light on this issue, because I know they are doing this to more people. My time maybe over, but maybe somebody can help somebody else from living with this agony. 

Thank you so much, XXXX XXXX, if you would like to contact me, it is best to email me at XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions.