23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally express my concern about the inaccurate and incomplete credit information currently reported by your bureau. It has come to my attention that the information listed below is part of my credit profile, and I believe there have been lapses in maintaining reasonable procedures to ensure the maximum possible accuracy of the credit reports you publish. Credit reporting laws mandate that bureaus report only 100 % accurate credit information, necessitating stringent measures to guarantee the completeness and accuracy of reported information. Therefore, I am requesting proof of the alleged item, including the contract, note, or any other instrument bearing my signature. In the absence of such evidence, I request the prompt removal of the item from my credit report : XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. The accuracy and completeness of the listed item are seriously questionable. Furthermore, I wish to bring to your attention that other bureaus have already removed these accounts from their records, having identified and rectified errors. I am perplexed about how your bureau has verified this information while others have successfully corrected their records. Consequently, I insist on the removal of these items from my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit reporting or other personal consumer reports

MACYS/CNBA is violating my rights with UNLAWFUL CREDIT REPORTING UNDER 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), FCRA, AND XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three letters to TOYOTA MOTOR CREDIT, requesting copies of payment history and they still have not provided any, surpassing their 60 day grace period, to be able to verify the account.Account number XXXX, Account status-Closed.Date opened XX/XX/XXXX, which in itself is beyond the Pennsylvania statute of limitations of 6 years.Please remove this account for voilation of my consumer rights.i am requesting to take legal action if this account is not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had a problem with their website and I was unable to get a hold of anyone on the phone and in-between several family members XXXX over the past few months from XXXX I have been a little distracted I admit. They put a late payment on my credit report which wouldn't have been there if they would either answer the phone or their website were functioning properly. When I reported it on XXXX they changed it to 20 late payments and that is not accurate at all. They need to take all the late payments off my credit report and answer their phones and reply to emails. I tried to contact them to discuss this, but again, they don't answer the phones so I can't discuss. I even tried to email and I have heard nothing back. It has been over a week. They need to take all the late payments off my credit report.
Product: Mortgage

On XX/XX/2019 I requested an escrow analysis with PennyMac because I was fully aware that I had a surplus of {$2600.00} in my escrow account. PennyMac completed an escrow analysis on XXXX XXXX and has issued a check to me in the amount of {$650.00} leaving my escrow account with a surplus balance of {$1900.00}. 

In accordance with 12 CFR Part 1024 - Real Estate Settlement Procedures Act ( Regulation X ) 1024.17 Escrow accounts. ( 2 ) Surpluses. ( i ) If an escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to 50 dollars ( {$50.00} ). If the surplus is less than 50 dollars ( {$50.00} ), the servicer may refund  such amount to the borrower, or credit such amount against the next year 's escrow payments. 

My original loan contract signed at closing and the state of Texas does not require me to leave a surplus in escrow.
Product: Money transfer, virtual currency, or money service

JP Morgan Chase mobile fraud that they let slip through the cracks without any questions or flags or accountability. 

Chase bank allowed a mobile deposit of a {$6000.00} U.S.Treasury check into an account that did not match the name on the check, address or even state which the check was issued too. The check did not have the correct signature of the original intended recipient ( my name ) OR signature or 3rd party Pay to the order of on the check. 

For context regarding my story, I will share why a {$6000.00} check could even end up in another person 's account unquestioned. 

I had requested a student loan refund check ( which would be written by the U.S. Treasury ) for student loan payments made during the height of the pandemic in XXXX. After requesting my payments be refunded, I had been on the lookout for the approved check payment totaling {$6200.00}. After many follow ups on the checks with the loan company XXXX XXXX XXXX XXXX and XXXX who manage my federal loan ) I finally received a devastating update. The check that I had been calling monthly for about 2 years, assumed to be missing, was in fact cashed. I found out on XX/XX/XXXX, after numerous requests from XXXX and XXXX regarding its where abouts. 2 years of a cashed check, that I had no idea was infact already cashed back in XXXX of XXXX. 

I requested a copy of the check that day, XX/XX/XXXX, to start a fraud investigation. It took until XX/XX/XXXX to get a copy of a redacted check to share with the local police. 

Based on the deposit stamp, a subpoena was sent to JP Morgan Chase which resulted in the deposit account information being provided. 

The account was in the name of a male in XXXX, TX. 

The account was opened on XX/XX/XXXX using a Mississippi Drivers License. 
On XX/XX/XXXX, the U.S. A Treasury check issued to the victim was remotely deposited into the mans checking account which had a balance of {$0.00} at the time. The check amount, {$6200.00}, and the XXXX cent balance were the only funds in the account and there were no transactions until the funds were withdrawn on XX/XX/XXXX, closing the account. Due to the time delay, there is no video. 

The check, issued in XXXX  XXXX, MO, was mailed to the my Florida address, taken from the mail stream and deposited in a XXXX area JP Morgan Chase bank account. 

Now, 2 years later. I have no evidence of who closed the account. I, being located in Florida, would have to travel to XXXX, to try to get a detective to take my case. With the lack of video evidence and mobile deposit leaving far too much room for reasonable doubt of who actually deposited the check, and who closed the account, the chance of my case being picked up is unlikely.
Product: Mortgage

This complaint is in regards to my request for a payoff to Rushmore Loan Management Services of my VA Mortgage in XX/XX/2020. The company Rushmore Loan Management Services did not provide a payoff amount to XXXX XXXX my new XXXX XXXX XXXX company when initially requested in XX/XX/2020. The company Rushmore MrLoan Management Services LLC. continued to procrastinate even after I contacted them and asked for a payoff for my refinance. Rushmore finally provided a payoff amount at the end of XXXX but would not process the payment from XXXX XXXX XXXX XXXX until XX/XX/2020, therefore, causing a late payment on my credit for late processing and not adhering to Fair Lending Act regulations. Rushmore Loan Management Services LLC. has not provided my Escrow Refund of {$1700.00}. Rushmore has not complied with the Fair Credit Reporting Act or Fair Billing Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion stated in my last complaint that there is an unauthorized third party and they needed authorization to proceed. Transunion, please be advised that this CFPB account is in my husband XXXX XXXX and my name, there is no third party, I uploaded a copy of my drivers license and a copy of my social security card so that you would know it was me, so please don't say you need authorization, you YOU ARE AUTHORIZED! Now let 's try this again, PLEASE RESPOND TO COMPLAINT BELOW! 

Transunion has Violated the FCRA by not properly verifying to me how they obtained the Bankruptcy information on my Credit Report. Transunion sent me a response letter indicating that the Bankruptcy was Verified as Accurate, In the letter, they listed the Court name address and phone number, which indicates they may be trying to say they confirmed through them that the Bankruptcy is Accurate. The FCRA under Federal and State Law says, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. The only problem with Transunion XXXXnvestigation Results is, I sent the Court a letter asking if they provide Consumer Bankruptcy information to third parties, such as Credit Bureaus, XXXX etc., and the Court sent me a returned letter confirming that THEY DO NOT PROVIDE Bankruptcy information to any third parties, such as Credit Reporting Agencies, therefore, this Bankruptcy is INACCURATE and UNVERIFIABLE and must be deleted! If Transunion says that they did not say they obtained the information from the Courts, they are still in Violation, because they failed to give me the name, address, and phone number of their Furnisher in compliance with the FCRA. All Documents uploaded and attached for proof and verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax the attached letter on XXXX XXXX. Equifax received it XXXX XX/XX/22. The certified mail tracking number is XXXX. Equifax has defamed my character. Remove these accounts or I will bring legal action against Equifax for defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX report. The second time it was removed from my XXXX report. It is now being reported on my Transunion report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.
Product: Credit card or prepaid card

I ordered XXXX XXXX of clothing from XXXX XXXX with a total of {$280.00}. I have ordered once before with them with no issues and was able to sign for the package. This time, nobody came to the house and the order was marked delivered and signed for. The name doesnt even match my name, and I cant even see the actual signature. I am confused and I assume that I will never get the package. I complained with capital one credit card and filed a chargeback. I talked to everyone I live with and they did not sign for any package. I sent XXXX emails with no response from XXXX XXXX but I sent a third XXXX today stating this will be my final email. 

The package was supposedly signed for and delivered on XX/XX/XXXX at XXXX signed for my XXXX XXXX XXXX Im  guessing its a fake signature? I did not allow for the package to be released without a signature. 

The credit card I used was the capital one Walmart credit card. I am very disappointed that I have to go through these lengths just to not have an online order delivered properly
Product: Mortgage

I applied for a 15 year cash-out refinance loan from BBVA Compass Bank back in XXXX XXXX. The loan processor I was working with was XXXX who is the only loan processor for BBVA Compass in the XXXX, TX area. The loan went through the motions and was approved around mid to late XXXX. By late XXXX, the loan was set to close and I was even given a closing date of XXXX XXXX, XXXX. One day after this information was given to me, XXXX contacted me to inform me that at the last minute, my loan had been " red flagged '' due to high loan fees and did not pass compliance. She went on to state that my loan 's fee were above the 3 % limit set for the state of Texas and that there was nothing that she could do to lower my loan 's fees ( in fact, she blamed compliance, stating that they were unwilling to corporate with her ). As a result, she said that my loan was now in limbo and that it would never have a chance of closing. 

Therefore, I was forced to find another lender and start the process over again. Upon doing so, the new lender notified me that my credit score had now gone below the limit needed for a cash-out refinance and recommend that I transfer some of my credit card balances in order to quickly raise my score. Therefore, I had to transfer {$3500.00} in old debt to a borrowed credit card in order to meet the balances needed for the re-score. 

I feel that XXXX was incompetent in the handling of my loan and had she done her job correctly it would have closed as scheduled. Not once during the loan process was I told that their might be issues regarding the fees, nor was I ever told that the loan might not close at all. I feel that BBVA Compass should take some responsibility for XXXX actions as she represented herself as an experienced loan processor who has been in the business many years and has handled all types of loan situations. Her experience obviously did not show during my loan process as she often seem confused and was totally lost when the issue of the high loan fees came about. In fact the new loan officer questioned the fact that no effort was made to waive or reduce a fee in order to meet the 3 % threshold. As a result I am asking that BBVA compass pay at least half of the balance transfer, {$1700.00}, which I would not have had to pay had the loan closed as scheduled.
Product: Debt collection

ARS received a request for debt validation and to cease communications by phone on XXXX XXXX 2015, I have a copy of the signed receipt of the letter. XXXX XXXX XXXX 2015 they began to attempt phone communication again and still have n't validated the debt. Per the Fair Credit Reporting Act they are not to be attempting phone contact since 1 ) the validation still had n't been given and 2 ) they received a written cease letter.
Product: Debt collection

XXXX XXXX, Please carefully review I, XXXX XXXX XXXX and complaint encompassing therein substantiated claims of Equifax and the XXXX XXXX XXXX XXXXXXXX and Family Services ongoing deceptive prohibited debt collection activity and illegal business conduct that has resulted in I, XXXX experiencing unwanted emotional distress and inconvenient financial disruption.
Product: Credit card

Citi failed to declined a charge on my credit card in which I disputed less than 24 hours from the charge date/time and while it's still in pending status, Citi fail to handle this issue as a result of relaying on automated systems and/or AI rather than a human review of the disputed charge when first reported, and now Citi reporting the charge to credit reporting services as a late and/or unpaid payments, and I keep getting alert from XXXX that there is late unpaid payment reported by Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze all three accounts at the credit agencies after XXXX 's breach of trust ( and data ) and signed up for XXXX. Just after XXXX XX/XX/XXXX, I received an email from XXXX 's XXXX that a credit inquiry was made on XX/XX/XXXX. 

I am aware ( and specifically permitted ) the inquiry but it was performed the morning of XX/XX/XXXX. 

I am concerned about the lack of timeliness of the notification and its inaccuracy. If someone had succeeded in creating the loan or gotten into my accounts, they would have been long gone by the time I was notified. And, the misinformation given would not help in identifying who or when the inquiry was made. 

When someone " new '' logs in to my bank or other financial accounts, I get email and text notifications within minutes of the event. XXXX  should be able to do the same thing. 

Attached are 1 ) the Equifax email as a PDF showing date and time, 2 ) a screenshot of the XXXX   showing the date of inquiry as XX/XX/XXXX, and 3 ) a screenshot of the approval email from my bank with a date of XX/XX/XXXX at XXXX.
Product: Debt collection

A company called Enhance Recovery Company supposedly representing XXXX put a collections on my credit report at of XX/XX/XXXX saying they purchased a bill XX/XX/XXXX from XXXX which was allegedly from XX/XX/XXXX I have never received any communications from XXXX with threats of collections for a past due account and I have never received any correspondence from this collection company ERC they have violated section 809a of FDCPA. I still have not received any written or verbal communication from them and XXXX can not find this account that I am supposedly liable for I have had XXXX for 4 years as an individual account so this is ridiculous and has negatively affected my credit
Product: Credit card

I am disputing the collection account with COLUMBIA DEBT RECOVERY account number XXXX dated XX/XX/year>, with a balance of {$1200.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that COLUMBIA DEBT RECOVERY, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

Debt collect been harassing me and asking for my information. And I asked them if I owe the collection wouldnt you guys my info? I asked them to name one address where I previously stayed they didnt answer and threaten to take me to court, saying youll be going to jail they started calling me from no CALLER ID. Ive been scared for my life since. Ive got XXXX XXXX  because of the threat.
Product: Money transfer, virtual currency, or money service

Robinhood whom I have a bank with and invest in various stocks with has restricted my account from any actions such as investing or withdrawing my cash on my debit card. They sent me a new a new card and even told me I could use my virtual card from my account. But none of those have worked they even asked for my identity verification which I sent three bank statements and my ID over the last couple weeks. They still have yet to give me any access to my account or any reasonable timely response on how I can resolve this. At this point I'm just trying to withdraw my money from there that is rightfully mine. So far they've given me nothing that I can go on they asked me for information and I gave it to them and they haven't followed through with what they said they would do they're essentially holding my money hostage.. I sent them 6days ago my identity verification. XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unathorized reporting of personal information Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against XXXX and Equifax. Credit reporting agencies for what to be a violation of Consumer law as outlined in 16 U.S Code 1681b ( a ) ( 2 ). I am deeply concerned about the unauthorized reporting of my personal information without my consent, which is clear breach of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) I have never authorized XXXX nor Equifax to collect or report this information. This Unathorized reporting has had a negative effect on my credit profile and financial standing, potentially affecting my ability to secure loans, housing, or employment I have made attempts to contact XXXX and Equifax, on XXXX but I have not received a satisfactory response or resolution from them I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Equifax and XXXX comply with federal appropriate actions and ensure that XXXX and Equifax comply with federal consumer protection laws. Furthermore, I would appreciate if you could keep me informed about the progress and outcome of your investigation. 

Enclosed with this complaint are copies of relevant documents. I appreciate your prompt attention to this matter and your commitment to uphold consumer rights. 

Thank you for your assistance on this matter XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681 I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. I am requesting all negative account / Hard and soft inquiries to be removed or marked paid for less I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The 3rd party reporting agencies has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681. 
XXXX : ACCOUNT # XXXX XXXX : :ACCOUNT # XXXX XXXX : ACCOUNT # 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 which was never hand written by me With the reporting agencies
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue concerning the accuracy of my credit report, specifically regarding the account information provided by TransUnion with reference to their file # XXXX. The reported accounts in question are XXXX account # XXXX and XXXX XXXX XXXX # XXXX. 

Upon reviewing my credit report, I observed discrepancies within the reported information. TransUnion claims to have verified and updated the aforementioned accounts ; however, crucial details such as the first date of delinquency, date of last payment, and date of last activity are conspicuously absent. Additionally, the reported date of removal appears to be inaccurate. 

As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to full transparency regarding the information contained in their credit files. It is imperative that I have access to accurate and comprehensive details concerning my credit history to ensure fair and informed decision-making by creditors and lenders. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) initiate a reinvestigation into the reporting of the XXXX account # XXXX and XXXX XXXX XXXX # XXXX by TransUnion. Specifically, I seek clarification on the method of verification employed by TransUnion and a comprehensive disclosure of all relevant details pertaining to these accounts. 

I trust that the CFPB will handle this matter with the due diligence it deserves and ensure that my rights as a consumer under the FCRA are upheld. Please provide me with updates regarding the progress of the reinvestigation and any actions taken to rectify the inaccuracies in my credit report.