23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2017 ARS ( Abilty Recovery Services ) for XXXX XXXX was deleted off of my XXXX report because I had never attended school there and this was a fraudulent account. Today I received an alert from XXXX   monitoring as well as XXXX stating that this account was back on my report. Ive nevee received notification from XXXX  advising within 5 days that this account would be Inserted back on the report. According to FCRA SEC 611 The reinsertion restrictions of section 611 ( a ) ( 5 ) ( B ) apply only to those situations where a dispute was resolved with a determination that the information was either incomplete or inaccurate or if the accuracy of the disputed information could not be verified as accurate at the time of the dispute. 
Information for which the accuracy was disputed and was not verified at the time of the dispute remains challenged, unverified. 

Im requesting that this account be removed from my XXXX report.
Product: Checking or savings account

Example 1 : XX/XX/2020 : emptied safe deposit box. Was told both keys ( 2 ) were needed to close the rental to the box and I only had one with me. 
XXXX XXXX, 2020 : submitted the 2 keys and was told by branch manager she would email me the confirmation the box was closed. 
XXXX, 2020 : emailed branch manager to follow up. No response XXXX XXXX, 2020 : second email to branch manager. Her response was full of excuses, and grammatical and spelling errors telling me I was not authorized to empty the safe deposit box and they have to go thru their legal department. 

Example 2 : receiving checks for a new checking account with 5 errors in my name & address. This caused an unnecessary delay in obtaining my new checks. 

Example 3 : I requested printouts of specific bank deposits and was told they would be sent to me via email. This was confirmed a week later by a second agent when I followed up. After 2 weeks of not receiving my request, I spoke to a third agent who said fulfilling my request was not possible. 

Example 4 : When closing my fathers account due to his death, an agent told me they could not accept the legal document from NJ as the bank was in NY. This was completely incorrect.
Product: Mortgage

In XXXX, XXXX I was granted a mortgage modification by XXXX XXXX XXXX. In XXXX servicing of the mortgage was transferred to XXXX.. in XX/XX/XXXX the mortgage was transferred to BSI Financial Services XXXX Neither company honored the mortgage modification. I was overcharged. I contacted BSI in XX/XX/XXXX requesting a total refund of my overpayment. I received no reply.
Product: Credit card

On XXXX I booked a hotel stay through XXXX with my Synchrony Gap credit card for a XXXX trip scheduled XXXX in the amount of {$650.00}. My husband called and confirmed the trip with the hotel and the confirmation number that was given to us was not only bogus but it was not even the correct amount of Characters. We then did research on the XXXX Company and there was complaint after complaint of the website and company being a scam. We then did further research and found out the Hotel had been closed since XXXX and would not reopen until early to mid-XXXX. Our trip was scheduled for XXXX thus it was clear we had been scammed. I then contacted Synchrony band Gap credit card and filed a dispute before the trip took place in addition to faxed them the evidence of the Freud/scam that had taken place so they could confirm the scam and received a credit back to my credit card on XXXX. Weeks later they took the money back out of our credit card account and sent me MY evidence that I had faxed them and they stated they did an investigation and this was the evidence they found and said that we would still be responsible for the {$650.00}. The evidence had my hand writing on it, so clearly they did not " find '' this evidence in their " investigation ''. I then called Synchrony Bank Gap credit card again and would get all the way to the dispute department at which point we would verify our account and then be told " the system is having issues '' then put on hold, only to be hung up on minutes later. This happened a total of FOUR times and has totaled the amount of 2.5 Hours of phone duration time. On my fourth time I asked the beginning customer service specialist to see what she thinks of the notes before transferring and she had her supervisor assist her and they found that the bank had already been reimbursed by XXXX charges and did not understand why Synchrony was trying to charge us again. Once she transferred me to disputes department I was then put on hold and hung up on AGAIN. I need assistance with Consumer protection. I understand we were victims of a scam but the bank is refusing to help us with this consumer Freud issue. I looked up this bank and there were XXXX complaints with the better business bureau with similar situations. We pay our accounts in full and on time EVERY month. I do not understand why they are choosing to treat good customers in a dishonest and illegal manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX, am filing this CFPB complaint concerning the continual reporting of inaccuracy on my personal information I have disputed this several itmes. And, yet the credit bureaus keep reporting it on my credit files.

In the credit agencies response, they are saying they report what is being given by creditors.

That is a bold face lie, because I only have one account of concern. And the personal information that is being reported is years old. I dont have any accounts that are reporting on my credit files. Are actively associated to any address, or names currently on my credit files.

This is the credit agencies way of trying to keep the personal information on consumers file. The FCRA says that information is to be 100 % accurately, apparently the credit agencies. Do not know what 100 % accuracy is, therefore they are continually violating federal laws " This is why the credit agencies are constantly being sued. And should be because consumers are constantly dealing with this The personal information on my personal files are outdated and old. Where I no longer have lived for years, so why isit still on my consumer files.

Its not like I can receive any mail there, or be contacted there if I do not live there.And this type of actions aides in fraud and identity theft by having old information on my file.I demand that my personal information be updated to 100 % accuracy.

Which, is my current address listed on my consumer files. There are addresses on my credit file that I have never lived at. Per the FCRA, 15 USC 1681 ( a ) ( 4 ) .There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, and respect for consumer 's right to privacy.

I demand a deletion of all personal identifiable information from my consumercredit report with the exception of : Legal Name : XXXX XXXX XXXX XXXX Legal address : XXXX XXXX XXXX XXXX, Texas XXXX Delete : My XXXX XXXX Delete : My SSN # XXXX Delete : My Phone number XXXX XXXX Delete all other personal information listed on my consum, er file. It is my intention under federal law, to pursue legal actions. For any inaccurate personal information that is not deleted. 

I have obtained a federal complaint form from the Eastern District Federal Court. In Texas where I live to file a Pro-Se complaint against all agencies who do not remove the inaccurate personal information.
Product: Credit card

On XX/XX/year>, I received an " Important - Action Required '' letter from Bank of America ( BoA ) requesting additional information for my dispute of a {$78.00} charge from XXXX XXXX on XX/XX/year> ( claim number XXXX ). The merchandise received ( a box of gloves and a box of masks ) was defective, damaged during shipping. 

On XX/XX/year>, I submitted the requested information and clarification via BoA 's online secure message center, detailing the damage to the merchandise. On XX/XX/year>, BoA issued a temporary credit and assured me they were investigating the dispute. Despite providing the requested information and additional clarification, BoA denied my claim on XX/XX/year>, stating : " Although we understand youre unsatisfied with what was provided, the merchant XXXX charge you for any service or merchandise that you received. '' BoA failed to investigate my claim under XXXX dispute reason code 13.3 ( Merchandise/Service Not as Described or Defective ) or 13.5 ( Misrepresentation ). The claim clearly illustrates that the merchandise was damaged, constituting a defective product.

Under the Fair Credit Billing Act ( FCBA ) and Consumer Credit Protection Act, I have the right to dispute billing errors, which include receiving damaged or defective merchandise. BoA 's handling of my dispute appears to violate these protections by not conducting a thorough investigation and incorrectly categorizing my claim as dissatisfaction rather than addressing the defect.

BoA has a pattern of denying legitimate claims only to later acknowledge their oversight. This points to a systemic issue of reducing manhours spent on legitimate customer issues rather than ensuring fair investigations. Despite my efforts and clear evidence, BoA 's final response did not reflect a thorough investigation.

Additionally, BoA provided false assurance that my claim was being looked into. Their letter dated XX/XX/year>, indicated they were working to resolve the dispute directly with the merchant, which proved misleading as their final decision did not reflect a genuine investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from sm bus admin.
Product: Credit reporting, credit repair services, or other personal consumer reports

This being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
XXXX XXXX, XXXX XXXX ( late payment ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( late payment ), XXXX XXXX XXXX, AL XXXX ( remove address ), remove all of the following unauthorized hard inquiries XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several unauthorized inquiries on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I have found several inquiries that I did not authorize, and I believe they may be fraudulent. 

As per the FCRA, I have the right to request that any inaccurate or unauthorized information be removed from my credit report. Therefore, I am requesting that the following inquiries be removed from my report immediately : XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX As I have no record of authorizing these inquiries, I believe that they may be fraudulent. I am therefore requesting that these inquiries be removed from my credit report as soon as possible, as per my rights under the FCRA. 

I would appreciate it if you could investigate these inquiries and take appropriate action to remove them from my credit report, in accordance with the FCRA. Thank you for your time and attention to this matter. 

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

To whom it may concern, Paypal closed my account of 8 years for no reason and refuse to assist me with resolving the issue and re-activating my account. 
I am uncertain if this an error on their behalf as I assume it has to be. I have not been able to get help from them and My lawyer recommended to file a report on this platform. 
It is clearly evident that there is an element of unprofessionalism and this is directly impacting me a great deal as I used paypal quite frequently for the past 8 years. My email linked to my PayPal is XXXX XXXX
Product: Payday loan, title loan, or personal loan

My most recent call to Personify Financial was, Monday, XX/XX/2020 @ XXXX XXXX. PST. I asked the representative, why after paying {$3300.00} in current payments, why was there no payments applied to the principle amount of the loan? The representative, stated that although, my original loan amount was only {$2600.00}, it showed that my total payments of {$3300.00}, went toward only the interest of the loan and as of Monday, XX/XX/2020, I balance is {$2700.00} at an interest rate of 154.81 % and no payments applied to the principle amount of the loan. 
I asked, if, they could work with me to lower the interest rate, on Monday, XX/XX/2020. 
and in XX/XX/2020 at XXXX XXXX  and at both times, I was refused and declined any other assistants on my loan. If, I pay this loan off as it stays, I would have paid a total of {$3300.00} + {$2700.00} = Total of {$6000.00}
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 XXXX XXXX XXXX. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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 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

this company ASG recovery kept on calling my family members about a debt that was charged off by XXXX XXXXXXXX XXXX  which i was never affiliated with it apparently it has to do with a credit card that they provide online XXXX. I don't know anything about it XXXX and if I did do it I never received a card which I know I didn't do XXXX they charged it off and now ASG recovery says that I owe over {$3000.00} which I never had the card I don't know what they're talking about
Product: Credit reporting or other personal consumer reports

I had notices that I ha some many hard Inquiries on my credit report from Capital one and I didn't received nothing from Capital One at all. I have some hard inquires from them on XXXX, XXXX, XXXX, XXXX, XXXX. I have called Capital One to try to get these hard inquires off of my consumer report many times and i have not received no luck yet. I have XXXX hard Inquiries on my report on my XXXX and my XXXX report. I don't know where all of them come from but they need to be removed from my credit report asap.
Product: Debt collection

I have been receiving repeated calls to my cell phone number from " XXXX XXXX '' about an " urgent financial matter. '' Each time, they ask to speak to a person who is not me. I have told them multiple times that I am not that person and to stop calling me, and I have received verbal confirmation that they would not call me anymore, but I continue to receive calls, including evening and weekend calls. The most recent calls were XX/XX/18 and XX/XX/18.
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 15 USC 1681. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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: Credit card

my XXXX  card was issued by synchrony bank about a year ago they said they were going to charge a paper statement fee. i responded to them ithat in my opinion a statement was part of their obligation if they wanted to issue a card and if there was going to be a fee for statements then close my account. i never heard back. several months later i was buying merchandise at XXXX  and was short on cash so i said let me see if the card is still good because lowes gives XXXX XXXX off if you use thier card.. i received my bill and there was a statement fee. i paid the entire amount minus the fee and contacted the bank saying i had informed them of my intent. i was told basicly too bad you used the card you have to pay. after a month or so of talking to them they admitted that i paid the balance the account should have been closed and removed the fee but refused to remove the interest on the fee which was {$2.00}. the balance on the card is only bank imposed fees and interest. the last purchas almost a year ago was paid in full in a timely manner and there have been no carried balance in XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

please see attached CFPB complaint filed today against the collection agent, XXXX and XXXX that is wrongfully appearing on my XXXX  AND TRANSUNION credit files.
Product: Credit card

XXXX XXXX XXXX being charged over 6 % authorized by SCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerm the three major credit reporting agency are spelling my name and using the wrong address on my credit file I have sent several notices to change this or update my personal file but nothing has changed.
Product: Mortgage

I was with Caliber Home Mortgage for Month of XX/XX/2022. 
They switched me to XXXXXXXX XXXX XXXXXXXX starting XX/XX/2022. 
I am in a federal program called HAF  Home Owner Assistance Fund. 
My department with HAF said check was sent to Caliber on XXXX XXXX. 
The amount was XXXX for the XXXX Payment. It is now XXXX XXXX and Caliber said they never got it and also checked with XXXX and they said it was never sent over by Caliber to them. I am trying to find out why my payment for XXXX has never been posted. Again the amount was XXXX for month of XXXX.
Product: Money transfer, virtual currency, or money service

I've zelled money to the wrong account, not knowing I wouldn't be able to get the money back once it's sent. There never used to be any disclosure of any kind when I first got my zelle account.
Product: Credit reporting

Experian continues to validate and obvious error on my credit file. XXXX companies are collecting on the same the debt at the same time. I have provided proof several times and I do n't know why they are n't fixing it or getting fined. They need to delete and fix this immediately. They are the only ones reporting these items and continuing to do so. They are in violation of the FCRA
Product: Debt collection

I HAVE A DEBTS IN COLLECTION WITH PORTFOLIO RECOVERY IN THIS DATES XX/XX/2015 XXXX  XXXX  XX/XX/2015 XXXX  XXXX   XX/XX/2015 XXXX  XXXX  I DO NOT HAVE KNOWLEDGE IF THIS ACCOUNTS MY CREDIT IS SO IMPACT FOR THAT. I PAID A PAST DEBT TO THEM BUT THEY CONTINUE HARRASMENT AND COLLECT MONEY THAT I DONT OWN OR DEBT
Product: Mortgage

Dear Sir or Madam, Im contacting you to request assistance with the release of funds paid by my flood insurance carrier to repair damages to my home from a flood in XXXX 2016. My home at - Louisiana was severely damaged by flooding. I do have an existing mortgage held by Specialized Loan Servicing ( loan # ) that are holding funds needed to repair the home.The mortgage company has required the funds to be managed by XXXX. I have had continued resistance with the service and now after a year and four months they have halted disbursement of any funds again with another excuse.I find it frustrating to get a different story on wether they will issue funds every time I call. 
XXXX issued two checks totaling roughly 23,000 in XXXX for materials and work done.They now say they dont have the adjusters reports to match the amount of money they are holding. They state the report they have is for XXXX but the checks total XXXX. They will not issue any funds even though I have provided the required documentation and receipts for material and labor.They also refuse to advance any funds to me unless I finance the materials and or labor first. 
There seems to be every effort to force me into further hardship if not default. I have just been notified that FEMA is requiring we vacate the temporary housing they placed on the property and now Im getting further resistance on funds paid to repair my home. I do not understand how the home owner is denied any right to funds paid by insurance the home owner pays for. I have been asked to finance the rebuilding of a home when the mortgage company sits on the insurance money. 
I dont expect the mortgage company to release the entire insurance check. I do think however it is reasonable to issue a portion of the funds that can be accounted for with receipts as used.As it stands I now have a material provider that has provided all documents including lien waivers but has not been paid by the mortgage company. They are willing and able to file liens for said materials. Ironically the mortgage refused to issue funds to anyone without lien waiver and its the mortgage company defaulting on payment. 
As it stands now I feel I will need legal representation if I am to repair my home. I have included the initial letter I wrote to my mortgage company last XXXX as well as documentation they have as per their website.Thank you for any assistance you may give in this matter. 



Thankyou, XXXX