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 DISCOVER - 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: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX  stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect 30 day, 90 and 120 day late payment on my XXXX accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on XXXX, XXXX and transunion for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.
Product: Debt collection

Please help me. I don't know what to do anymore. I'm trying to buy a house and I can't close escrow because there is a collection on my credit report that isn't mine. The collection agency says its for a payday loan but I've never had a payday loan in my life. 

I've tried fighting this account already with the credit bureaus and the collector back in XXXX. Until now I haven't received any response from anybody. I've even hired someone to help me and he isn't receiving much help either. We've called and told the collection agency that I was going to lose my escrow and they don't care. We've told them this was fraud and they still don't do anything about it. The person helping me was even able to speak to the director of Operations for XXXX XXXX XXXX and they still haven't done anything to fix this. XXXX XXXX was his name. 

I will send you a copy of the e-mail my representative sent to XXXX XXXX XXXX 's request and we haven't received a response to those either. No response when I sent a letter to ask for paperwork by XXXX XXXX XXXX, no response to my letters to the credit bureaus, no responses to the e-mails to XXXX after XXXX asked for them himself ; no response of any kind from anyone has ever been received. 

I need your help in getting this removed from my credit report. My escrow was supposed to close today but by a MIRACLE we managed to extend this one more time for 15 more days. I don't want to lose my house because a collection agency is trying to collect an account that is not mine.
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. 

Account name : XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX  has violated my rights. Or 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: Debt collection

I contacted the agency to try and resolve the matter. They offered a settlement in which I accepted and paid the same day. My direct question to XXXX XXXX was does this include all debts me and my husband has with your company. His reply was yes and that all accounts would be removed from my credit report. Had the manager send a later that only listed my husbands name but the made it clear that this covered all the accounts we had with their company. Now, 20 days later finding out that two accounts were excluded, and they claim I still owe. My issue with this matter is I called them to resolve this matter and made it clear that I wanted all accounts removed from my credit report. This was very deceptive now they want to be condescending and rude. I then spoke with a supervisor who was extremely rude, and she explained that the bill is for my son. XXXX XXXX was her name.
Product: Credit card

Bankruptcy discharged XX/XX/XXXX. USAA credit card was discharged in that bankruptcy. In XX/XX/XXXX, my USAA checking account was overdrawn due to insurance policy charges. I called USAA to give them updated bank account information, as I have no way to deposit money into USAA checking due to location. They debited the insurance charges from my new checking account, but referred my overdrawn checking account to a collection agency. As soon as I learned of this, I submitted a check to them in the amount of XXXX. Thinking this was resolved, and the check having cleared, I told the collection agency to stop calling me, as I had paid the debt directly to USAA. Today I called USAA and was informed that the payment was applied to an outstanding credit card debt, and they would not reverse it. I told the senior banking agent at USAA, named XXXX, that I included that credit card in by bankruptcy and that it was a violation of law to collect that debt. She told me I was wrong and disconnected the call. Attached are the credit card statement that they posted to my account for the XXXX time since XX/XX/XXXX, and my bankruptcy petition and discharge.
Product: Mortgage

I had a loan with XXXX XXXX back in XX/XX/2006 and then got another loan in XX/XX/2006 and paid off the 1st loan from XXXX. XXXX XXXX then transferred that loan to XXXX and then Greentree, or Ditech took it over. The problem is when XXXX paid off XXXX they never filed a lien release with the county and now its on my title as someone who has lien against my house and I cant refinance. Now when I call Ditech they have no record of the loan and will not release the loan because they cant find it in there system.
Product: Credit reporting

Any and all medical bills reported by any agency on to any credit report are to be paid by the XXXX XXXX. I 'm medically retired and they fail to provide proper medical care. Therefor, they are responsible for any past, current and future medical bills. Also, I have never owed any XXXX bill and do not owe any money to XXXX XXXX XXXX. Those are mistakes made by those companies that I had contacted them to discus in the past, with no acceptable outcome. There should be no derogatory remarks or any open accounts on my credit report, as I do not owe any debt collection agency or reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with XXXX XXXX on the dates below Equifax - 1st Letter XX/XX/2022 - 2nd Letter XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report is cause me great distress and XXXX. 
According to the FRCA Law Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Debt collection

I am a victim of identity theft there were multiple accounts opened under my name i have filed a report. 
DISCOVER FINANCIAL SERVICES WITH A BALANCE OF {$4100.00} is still remaining on my credit i did not open this account
Product: Credit card

After receiving an email directly to my personal email account inviting me to apply for a Delta Amex Gold Card in exchange for XXXX points if {$1000.00} was spent in the first three months, I read through the terms and found no indication that I would be ineligible for the XXXX signing bonus. Even though I have years ago owned a Delta Gold Card, I found no indication that I would be ineligible for these points. With an upcoming trip to XXXX in XXXX 2016, I signed up for the card and made haste in spending {$1000.00}. Spending {$1000.00} in a month is not usual practice for me. Additionally, in spending that {$1000.00} on my Delta Gold card, I neglected to spend any funds on my Amex Gold card ( I am a loyal Amex member and therefore have more than one Amex card ), thereby forfeiting any potential membership rewards points that could have been earned in the same period in which I was spending {$1000.00} on my Delta card. 

After spending the {$1000.00}, I called Amex to find out why the XXXX points had not been transferred to my account, as I needed to book my travel to XXXX. It was not until this point that I was very rudely informed, by several Amex employees, that I was ineligible for these points, making my travel plans impossible. Furthermore, as I have struggled to be able to book this trip, despite the odds stacked against me, my generous family members have offered to help by putting points in my account, which I am also informed is impossible. 

I am asking today for the XXXX points offered to me in the marketing offer I received when I applied for the Delta Gold Amex. I am simply trying to get what I was promised. 

I am disappointed by these fraudulent, misleading, and exploitive practices.
Product: Mortgage

Please refer to the email I sent to XXXX XXXX at the media department of Chase. 
" I currently have a loan application in progress for the purchase of a home of my elderly mother. At the beginning of this process i was given specific information for debt that needed to be paid down to less than 10 payments in order to be excluded from the debt to income ratio. I made such payment XX/XX/XXXX following the loan officer 's requirement. 
Unfortunately, after three weeks of lack of communication, loan officer not following up with me, I find out today, 8 days before closing, that this XXXX dollar debt has to be paid in full in order to qualify ( not paid down ). 
The underwriter also requested a lot of information that was already documented in the provided bank statements. She asked for evidence of funds for a direct deposit which is from my husband 's job as seen on the direct deposit transaction in the bank statement itself. 
Essentially, there are documents provided which sat there and either the underwriter reviewed and forgot to ask for explanations, or they were not looked at at all. I have supplied everything requested literally within hours of the tasks appearing online. I checked my portal twice a day since my experience was that the processor also would not check except every 3 days. On a 30 day contract and rate lock time is of the essence. 
Needless to say now I am at risk of losing my deposit and worst of all my mother has to start over to find another home and financing somewhere else. 
My very first home mortgage was with Chase 12 years ago and the experience was quite different. 
I also filed an escalation case XX/XX/XXXX XXXX. never heard from them either. I just called them again and was told they would have the " case resolver '' call me back within 3 days. Needless to say the actions show how little we matter as clients. 
Chase is also refusing to give me back the XXXX " good faith '' deposit they asked from me when application was taken.
Product: Checking or savings account

Someone opened XXXX different accounts in my name when i never opened them. Someone used my ss # and personal information to open these accounts. The name of the bank is TD Bank
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. 

ACCOUNT : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 s-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: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

Ive been disputing an account that was fraudulently opened in my name. The company, XXXX XXXX XXXX is listened on my credit report as a loan to which I have no knowledge of. 

TransUnion claims to have done investigation, yet has not provided evidence of ownership. 

This account is severely impacting my ability to progress on a personal and professional basis. 



CFPB has all already filed a lawsuit against XXXX XXXX XXXX alleging systemic issues such as failing to forward consumer provided evidence to furniture, excepting unreliable responses, and failing to adequately notify consumers of dispute, outcomes these failures align with my experience where has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account as experience in action, violates federal law in my rights as a consumer.
Product: Debt collection

I was called multiple times, approximately in XXXX of this year ( 2015 ) by First Collection SVCS. I spoke with representatives, who told me I had an outstanding balance with XXXX XXXX XXXX and XXXX for {$610.00}. I was unsure of the accuracy of this claim, and advised them to please send me documentation to my address at the time XXXX XXXX XXXX, XXXX XXXX CA. I never received such documentation. They continued to call, and a week later, I mentioned again to please send documentation, yet such paperwork did not arrive at any point. I had the displeasure of seeing on my credit score today XXXX/XXXX/2015, a derogatory mark for the {$610.00}. Because I never received documentation at my current address or address listed on my drivers licence to prove that this company even existed or that my outstanding debt existed, I am submitting this claim. Thank you for taking the time to read my issue and I hope we can work together to get this sorted out.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX**** - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Mortgage

Our homeowner 's insurance carrier declined to renew our coverage after we tried to use it ( we had made 2 claims ), so we obtained new homeowner 's insurance through XXXX XXXX, by XXXX. Our insurance is paid by our mortgage servicer, Citizens. 

On XX/XX/XXXX, I used the tool available through the homeowner 's insurance website to send proof of the new insurance coverage to our mortgage servicer. I received an email confirming that the proof would be sent to the appropriate email address, XXXX. 

I did not receive any other communication regarding the insurance from Citizens. 

On XX/XX/XXXX I received two letters. First, I received a letter from Citizens, dated XX/XX/XXXX, a " second and final notice '' which says they have not received proof of my homeowner 's insurance coverage. Second, I also received a letter from a debt collector regarding an unpaid debt owed to XXXX XXXX XXXX of New York. 

My mortgage servicer failed to timely pay my homeowner 's insurance premium, even though the information was submitted to them in the manner they requested, and then they failed to inform me in a timely manner that the information had not been received- I didn't find out until the same day I was contacted by a debt collector.
Product: Checking or savings account

I used to have an account with Chase banking and I already closed my checking account. There were XXXX checks that were to be sent home one is the {$46.00} and the other is the {$2200.00} however I only received the one for {$46.00}. I went to several different Chase banking branches to talk with bankers and they said they werent able to release my fund and send the check home because they still need verification. Im just confused as to why theyre holding my money hostage for so long and I never had issues with other banks regarding the checks I work for XXXX  they were issued out the same way. I still have record with the pay stubs and on the official XXXX employee website they have record of each of my paycheck as well as pay stubs information there. I just want my money to be sent as I am a XXXX XXXX and the only reason I work part time is so I can support my XXXX XXXX and buying XXXX but I can not do so if Chase refuses to give me my money back which was the {$2200.00} check that was supposed to be sent home. I have tried over a month and at first they reassured me that they will send the check home but when the account were closed they never did.
Product: Mortgage

Dear Sir/Madam, The story begins with the XXXX XXXX XXXXXXXX takeover of XXXX which at time was our mortgage company having refinanced with them both our first and second mortgage in XXXX. In the summer of XXXX I lost my wife of XXXX to XXXX and the following year XXXX XXXXXXXX XXXX successfully guided me through the mortgage modification process. It was a great experience because the modification helped me avoid losing my home which would have been devastating at the time. 

Once the modification was complete Fannie Mae connected me with XXXX XXXX and I never heard again from XXXX XXXX  XXXX regarding the first or the second mortgage. In XXXX of last year, just as the COVID-19 epidemic started spreading I was faced with foreclosure action showing XXXX XXXX as the owner of the note which indicates that the second mortgage somehow got internally transferred through XXXX XXXX XXXX and her subsidiaries and almost ten years later it has come back to haunt me. 

I did hire an attorney last year who has been trying to make sense of the situation and negotiate a settlement with a company called Specialized Loan Servicing LLC which seems to be behind this, but so far they accepted and then promptly rejected our offer and have shown to be anything but reasonable. As you no doubt are aware that appears to be the reputation they enjoy nationwide. 

The reason I am asking you for help is because at the end of XX/XX/XXXX XXXX  XXXX XXXX filed a Satisfaction of Mortgage notice with the XXXX XXXX XXXX. Despite this I continued paying XXXX XXXX regularly to this day which can be easily verified with them. 

I now believe that the mortgage satisfaction was filed by mistake because XXXX XXXX had to file a Rescission of the Satisfaction filing last year. Considering the scandal with XXXX and the subsequent tens of billions of dollars awarded by the US Government to XXXX  XXXX XXXX to deal with the toxic asset situation, its reasonable to assume that the original intention must have been to file a satisfaction of the second mortgage. I appeal to you to have this looked at as soon as possible and find a way to settle it once for all. 

Please find enclosed copies of some of the relevant documents. Looking forward to hearing from you and please copy my attorney on all future correspondence. 

Best Regards, XXXX XXXX
Product: Student loan

I received a bill in the mail XXXX XXXX weekend saying that I had a payment due on XX/XX/XXXX. I withdrew from school on XX/XX/XXXX. I tried calling them for days and was not able to get through to anyone. I requested a call back and each time they called, they immediately hung up on me. I also sent multiple emails that supposedly would be responded to in 4-5 business days. My very first email to EdFinancial on XXXX received a response on XX/XX/XXXX and told me to get the forms from their website and submit them. I am also enrolled at another school. On XX/XX/XXXX, I asked my school to fill out the in school deferment forms. I received those back from the school on XX/XX/XXXX and uploaded them to my account profile the same day. I contacted my school on XX/XX/XXXX and asked if they could send them to EdFinancial also and they faxed the forms. I kept calling EdFinancial and received a call back on XX/XX/XXXX. The person was able to find my forms and said that it was take 10 days to process the paperwork through the system and that it should be done before the first payment was due. I asked to have an email sent to me confirming that we spoke and that they had the paperwork. She said she couldn't do that but that I would receive an email once the paperwork was processed. I logged in today, XX/XX/XXXX, and my account is showing past due.