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

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process your agency followed regarding the disputed accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I identified inaccuracies in the reporting of an account with XXXX. Specifically, I noticed that there were two late payments inaccurately marked on my account. I would like to clarify that these payments were made on time and request that this information be corrected to reflect timely payments. Despite my previous dispute submissions, I have not observed any corrections or changes in the reporting, which continues to inaccurately reflect late payments on this account. 
Account Information : Creditor : XXXX  Account Number : XXXX Discrepancies : The alleged late payments are reported on Experian for XXXX and XX/XX/XXXX as 30 days late. However, I have consistently made timely payments, as demonstrated by the attached payment records. These records substantiate that my payments were made as agreed and are evidence of a reporting error. It is concerning that, despite my previous dispute, no adjustments have been made to correct this information.

Reference to FCRA Compliance and Accuracy : As outlined in 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should accurately reflect the transactions between myself and the reporting entities. Late payment reporting inaccurately reflects my payment history and misrepresents my adherence to the account terms. 
I kindly request that you provide a description of the procedure used to investigate and verify this account. I also ask that you include documented proof of the late payments if available, detailing dates, amounts, and relevant communications supporting these claims. In the absence of valid proof, I expect the credit reporting to be corrected promptly. 
Request for Corrective Action : If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I ask that the account status be updated to " Paid As Agreed Never Late. '' As required by the FCRA, I request a written response within 30 days of receiving this letter. Failure to provide a timely and compliant response will be considered a violation of the FCRA. 
Your cooperation in ensuring the accuracy and fairness of my credit report is crucial. I look forward to a prompt response and a resolution that aligns with the FCRA and the Truth in Lending Act. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XXXX, I noticed that a payment was made from my escrow account to my flood insurance company. However, I had previously paid the premium since it was due while we were still going through the refinance process and I was concerned it could/would get lost in the bureaucracy and my insurance would lapse ( I live on the water in Florida so one can imagine how important it is to maintain flood and hurricane insurance ). I contacted the mortgage company and after some investigation they determined that On XXXX XX/XX/2020, they did in fact receive a return as overpayment the {$2500.00} and it was being processed. 
Move forward to my XXXX statement and no return of the funds to my escrow account. When I explained the situation, customer care sent me to the insurance side of the company since it dealt with insurance. Insurance said they can not see my account at the level needed and said I needed to speak to customer care. I informed them that it was customer care who sent me to insurance. The representative said not to mention the insurance aspect when discussing the escrow refund. Customer care ultimately sent me back to insurance. Tried as I XXXX, I just could not get my point across without giving the story some context that it dealt with an insurance payment. So, after two hours of discussion between the two offices, the line was severed or ... 
I have since sent two e-mails to them and received no response. I really do not know if this rises to level of a complaint but I am at my wits end concerning what I have available to get relief- other than some civil action requiring a lawyer and likely to cost more than my r efund. Bottom Line - my escrow is shy {$2500.00} And it appears my mortgage company - Mortgage Solutions Financial refuses to or is incapable of refunding the returned amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sure you receive several complaints so I will try to make this short and concise. Since XXXX of this year I've been attempting to have incorrect information on my credit removed and corrected from my credit report. The credit bureaus are reporting a XXXX   XXXX XXXX  account which is over 7 years old and they are reporting a bankruptcy which is 10 years old. All I want is for them to remove these accounts from my credit report and fix them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, XXXXongress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The following accounts I demand to have removed XXXX XXXX XXXX, U.S. Bankruptcy  Court XXXX. The following bankruptcy has already been deleted and deemed as unverified with XXXX they were not able to verify the bankruptcy per law so how are you? with the original furnisher? not through third party sold information that's against the law ( chapter 15 usc 1692, 1608 ) you are required to follow this law and provide written consent. 

Under code 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 instructions of the consumer to whom it relates I XXXX XXXX XXXX have never gave XXXX  any written consent to report anything on my consumer report, No consent is identity Theft. I will provide a copy of the LAW. 
The following addresses are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Az XXXX YOUR companies failure to comply with these laws has cause my major distress on me as a consumer and has ruined my reputation as a consumer and I demand to have these laws enforced and data deleted permanently. 
This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.
Product: Credit reporting or other personal consumer reports

This company MBA Law reported XXXX a charge off account open XXXX balance of {$7800.00} on my credit report to all three credit reporting agencies. It doesn't list what type of account this.I have never did any business with this company. I don't owe them anything. They have never contacted me for any about this account. I want it removed from my credit report.
Product: Debt collection

I have been dealing with IQ Data International for 4 years and have tried to settle the matter with the company. 

I worked for XXXX in 2018 and lived at one of their apartment communities. Due to a work conflict and an infected apartment with bugs, I was allowed to vacate the premises without owing a balance. I have provided documentation, i.e. emails from management stating I don't have a balance, to XXXX and the documentation was provided to IQ Data International and they refuse to accept my written correspondence. 

On XX/XX/XXXX, I spoke with XXXX from IQ Data International, and she advised me to go to XXXX XXXX, while she was on the phone, and apply for a loan to pay this outstanding debt. She took information from me to see whether I qualify for a hardship settlement due to my circumstances and placed me on hold. She returned back and advised me to go to XXXX XXXX  and apply for a loan for {$1800.00}, the debt is {$1400.00}. I explained to her my credit is not the best and I will not be approved, she insisted I apply. They are asking me to pay more than 20 % interest on top of the actual debt. I have no signed contract from the creditor stating I will be paying interest ; this is against the FDCPA. I have asked IQ Data to provide me with documentation from the creditor to show the stipulations, and they have refused to provide me with anything. 

After a few moments, I told her I do not owe this debt since I have written documentation from a manager. She stated I need documentation from the regional manager, which I did provide, and IQ Data is still refusing to accept any documentation and have this collection debt on my credit going on 4 years. 

This has caused me to find housing and tremendous hardship and qualifying for any credit and has impacted my score.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loses, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, 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. XXXX Account XXXX XXXX # XXXX Acct : XXXX and XXXX XXXX XXXX XXXX Acct : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 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.
Product: Mortgage

To whom it may concern my husband and I try to get a loan modification with our bank back in XXXX of 2019 due to a loss of income and a job injury we submit paperwork to get the process started in XXXX of 2019 they kept coming back to us that they needed more information so we submitted what they asks for that went on for months know they telling us we dont qualify for a never loan modification due to we had three already we was definitely not informed of that we thought a modification program was a program of you needed help do to a situation Beyond your control. Why was we not informed of this back in XXXX are early XXXX why did they wait so long to where our payments are way behind now now they threatening foreclosure Proceedings on us that will make my family and I homeless because we have no where to go our situation has gotten better we have since decrease our monthly expenses is we just have our monthly payments back and the money we owe to the back are they can give us a payment plan over time to pay back what we owe please help my family thank you
Product: Credit reporting or other personal consumer reports

Citizen is report an account number # XXXX in charged off status I demand they remove this from my credit report. This is my formal dispute and if you don't remove it I will seek fines and sue you and transfer it to a consumer attorney for possible legal action Thanks XXXX XXXX
Product: Credit card or prepaid card

I was sent a letter notifying me that US Bank had closed my credit card account after a thorough review. The letter indicates that Im in default under the terms of the CardMember Agreement. Per the default provisions, of the said CardMember Agreement, I am being accused of making false statements on account application or in the maintenance of my account, that my account is in danger of or being used for fraud, and Im not living up to my obligations under the said CardMember Agreement. I have had my card for awhile and Ive always made my payments on time. I have never been accused of crimes like fraud. Im an XXXX XXXX Retired XXXX Veteran. I take my responsibilities very seriously. Its a defamation of my character, and to be accused of being a criminal is sickening. While talking to Customer Service, I was berated and asked why I was making certain purchases. Im so disappointed with US Bank to question my integrity or flat out being a criminal. The letter sent to me didnt explain what I did wrong, but o have done nothing wrong. The Customer Authentication Department didnt have the courage to even sign the false statements in the letter. Very unprofessional and cowardly. By closing my account they have doubled the payment amount to XXXX. XXXX on a Veterans XXXX amount. I cant afford that amount XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX we ordered some utensils from XXXX XXXX. Order # XXXX. The order was split into two parts - Part one was {$360.00} and part two was {$79.00}. Part one of the order ( set of 20 ) was shipped out and received and then immediately returned. We have confirmation that the return was delivered and signed for on XX/XX/2019. 

The second part of the order was just a set of 2 that we were going to pick up at a store in XXXX, CA. We did not ever pick these items up at the store, but were charged for them. When we called XXXX XXXX, they said we had to show the items were picked up in order to " return '' them even though they were never picked up. So the return was performed on XX/XX/2019. 

I have called countless times to determine why our card was never credited for the returns. The XXXX XXXX credit card company ( Comenity Bank ) claims they know nothing about what was purchased and whether it was returned. They are just the credit card company and have no idea what's going on with the store. All they know is what the XXXX XXXX store tells them. XXXX XXXX store claims they don't know what is happening with the credit card or it takes time to get the credit or its in process. Meanwhile we are being charged finance fees. 

Last month the credit card company agreed to put the charges under investigation. We received a letter delivered snail mail dated XX/XX/2019 that our investigation showed we owed the money because the returns had never been received. But XXXX XXXX shows the returned items being received in XXXX! 

This is not the first time we have had an incredible amount of trouble getting credited for a XXXX XXXX return but it is getting harder and harder to get credited for the returns.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Convergent Outsourcing Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to XXXX XXXX XXXX : Late Payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Today, 8 days before closing, I got a call from my realtor today about a hiccup in the loan process. Naturally, I was very confused. She explained that something had happened, and now my husband and I were no longer eligible for our loan. I freaked out a little and texted our loan officer who did a very poor job of explaining via text that there was an algorithm update, and thats just how it is. I spoke to him on the phone later, and he clarified : The bank ( Homebridge ) runs the loan through an algorithm provided by XXXX XXXX, and this algorithm gets updated fairly regularly. What seems to have happened is that the previous version of this algorithm deemed us worthy, the update happened, the bank finished the underwriting process and ran the loan through the NEW algorithm, and even though NOTHING has changed on our side, the code has now deemed us unworthy, as of XX/XX/XXXX. Our loan officer told us he and the real estate lawyer have been on the phone with XXXX XXXX for the last 3 days trying to figure out whats going on, and no one at XXXX XXXX can figure it out either. No one on either side of this process can identify a single thing that change our eligibility EXCEPT FOR THE UPDATE IN THE ALGORITHM. Now, the ONLY way we qualify is if we double our down payment from 5 % to 10 %, which raises our closing costs to $ XXXX. There is no way we can come up with $ XXXX in a week or less, and since we're currently renting, we might end up homeless if our landlord has rented out our unit without telling us.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Took a loan out and they way is 60 days before they took the first payment automatic payment out of my account bank account now they're saying that I miss one month payment I enclose some papers showing that they sent me late papers I tried contacting the company several times for a whole year going around in circles and they refuse to do anything about it I had a lawyer from legal service look into it and all they did was send him paper showing that I missed payment and that they agree with him they did absolutely nothing and they didn't understand my problem so I am now contacting you to look into this matter and I have a whole mess of documents to show you as you can see the refinance of the car was done in 2017 in XXXX and then take the first payment out until XXXX and they refuse to put it on my credit showing when I made the first payment I enclose the graph of the from my credit statement showing all the missed payments and all the pay payment I try paying the late back payment {$50.00} on it but every time I did they would add late fees and interest so it didn't do any good I'm on a fixed income I'm XXXX years old this is ridiculous or what they're doing to me ruining my credit and making me stay in a motel because I can't buy a house now get a loan or credit card because they literally ruined my good credit as you can see from the documents and close the lawyers document is in two parts cuz I could not scan it all in at 1 I appreciate any help that you can give me I already have a complaint filed with you but the website would not let me log in even with resetting my password so therefore I am putting in a new complaint I hope that you can do
Product: Checking or savings account

My accounted for the late transactions I reported it they did an investigation and I received my money back due to a global scam I was told that my account was affected but the customer service agent was supposed to help me get situated she said that she got it escalate it to be fixed in my account should reflect my correct balance in a few days it has been two weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau will not assist me with an account balance verification ... the company name is XXXX XXXX XXXX, this company is price gauging due to the covid 19 pandemic, this company double the balance on a vech that was sold or auctioned, the balance should be {$5200.00} and they have doubled it to {$10000.00} in 1 month as of XX/XX/2020 ... .I have disputed this acct with no help from Equifax credit bureau XXXX I requested proof of the balance and they will not provide ... please help I am a victim thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I rarely ever check my credit report, but I recently checked it and was appalled because I have 2 fraudulent accounts that were not authorized or opened by me.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the CRAs and my legal team and was advised to fill out an FTC Identity Theft report which I have attached down below. I also have multiple addresses that I am not associated with as well.