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

Bank XXXX in XXXX RI sold my mortgage to XXXX XXXX XXXX NJ on XX/XX/2024. I had no choice in this matter and a bunch of mortgages were sold. 

XXXX ) The day the sale went through, XX/XX/2024, my XXXX XXXX plunged XXXX points. It still has not come back up to what it was. 
XXXX ) I received a letter of Delinquent Property taxes from the XXXX XXXX XXXXXXXX RI which is where I live. Property taxes were due on XX/XX/2024 and they have not been paid. In a few days the XXXX of XXXX will be charging me daily penalty fees if these taxes are not paid,. I have an escrow account with XXXX Mortgage that was transfered to them by XXXX XXXX. This account has close to {$5000.00} in it. I have never been late with a payment to Bank XXXX or XXXX mortgage. 
XXXX ) I have pleaded with both banks to resolve this matter. I have been trying to get this resolved for a while and provided XXXX the letter of deliquency a week ago.. Neither bank will pay the property tax which is approx {$1700.00}. I have paid for the taxes already via escrow. XXXX still says they are not liable for taxes due before XXXX. Bank XXXX says they are not responsible for anything after XX/XX/2024. Lots of other people in my town are experiencing this exact issue because their mortgage was also sold to XXXX. I believe XXXX is at fault but don't really know how all this works. Please help! 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account has reported late when it has never been late and it is affecting my credit score. This score needs to be removed immediately per the FCA reporting laws stating correct reporting is mandatory. 
This is the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report these are the inquiries : XXXXXXXX XXXX - XXXXXXXX XXXX - XXXX, XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted Experian to correct a negative payment history on a credit card with XXXX XXXX from XX/XX/XXXX. I provided the following information. 

In XXXX XXXX XXXX I was deployed when all communication was secured for operational security. We were without internet access for approximately 40 days. During this time, the credit card payment was due, but I was unable to make the payment without internet access. As soon as access was restored, I promptly paid the bill in its entirety. 

Experian closed the investigation today. They added the addition to the comment section : " and dispute investigation completed, consumer disagrees. '' The comment could be construed that an investigation was actually conducted, which seems doubtful, and I disagreed with the results of the investigation. To my knowledge I have not been provided with any further information collected during the investigation such as a response from XXXX XXXX. Dispute and disagree are synonymous, so not only could the comment be misconstrued, but it would seem that the entirety of the investigation was to add a comment documenting that I disagreed or disputed something, which required no investigation at all because the " investigation '' was a direct consequence of filing a dispute with the report. 

If Experian or XXXX XXXX had provided documentation or rational to the justification for the negative mark on my credit score, I would have been receptive to concluding this matter ; however, this resolution was recursive and evidences the insincere at best or false claim that Experian actually investigated the matter. If an investigation did not take place, they have willfully neglected their responsibility to investigate this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting or other personal consumer reports

Basis for dispute : **Inaccuracy of information. The charge off information reported is incorrect. ** Account Name : XXXX, Account Number : XXXX Hight Balance : Different amounts : {$2200.00} ( Transunion ), {$0.00} ( XXXX ), {$1300.00} ( XXXX ). Date of Last Activity : Different dates : XX/XX/XXXX ( Transunion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). Date Opened : TransUnion shows XX/XX/XXXX while XXXX and XXXX show XX/XX/XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Credit card or prepaid card

I was supposed to receive a new corporate travel credit card, a Visa card through US Bank, in the mail and it was accidentally sent to my old address ( address I lived at 5 years ago ). Somehow the card was intercepted or stolen. The person who stole this card must have also looked up information about me, because they called in to activate the card and set up a PIN number, using the last four digits of my social security number. On XX/XX/21 at XXXX, they then went to a US Bank at XXXX XXXX XXXX , XXXX XXXX , XXXX, and attempted a cash advance of {$1000.00}. That was blocked. They then tried a cash advance of {$500.00} and it was successful. Apparently they also called into the credit card company pretending to be me and tried to get the card unblocked. On the morning of XX/XX/21 I received an email from my corporate finance office that they received an email from US Bank that there was suspected fraudulent activity on my account. I immediately called in, we cancelled that card, they updated my address, and they sent me a new card. I also ask that each time I call in they ask for another identifying information this person wouldn't know, such as my employee number. Because they told me that this person may have personal information on me, I also immediately put a freeze on all my credit reports so that they would not open an account in my name. I have also changed passwords on all my other accounts, and have been monitoring them regularly. So far there has been no other suspicious activity on any other account. A few weeks later, I got a letter from US Bank denying my fraud claim, and holding me responsible for the {$500.00} cash advance. They have told me I have no recourse. I would like to add that I have never used this card for a cash advance, I only use this card for corporate travel which I have not done in over 1.5 years. I also don't use this card in my hometown, except for maybe rides to the airport, as it is a corporate travel card. I have no pattern of this type of use, although the claim rejection letter said that their decision was based on the location and pattern of use.
Product: Credit reporting or other personal consumer reports

XXXX Experian no action taken to resolve the matter
Product: Credit card

I am writing to file a complaint regarding the handling of my refund over the past four months, since XX/XX/XXXX. I hoped for a prompt resolution, but the responses I have received from the Chase Bank indicate that no meaningful action has been taken by their investigating team. 

We used the Chase XXXX credit card to pay for a XXXXXXXX XXXX deposit in the amount of {$900.00} on XX/XX/XXXX ( last year ). This credit card was terminated in XX/XX/XXXX. On XX/XX/XXXX ( this year ), we requested that the {$900.00} deposit be refunded and recharged on a different card when we paid for the final payment of the cruise ( for travel insurance purpose ). XXXXXXXXXXXX XXXX processed the refund to the now-closed account, per their policy, then charged the {$900.00} deposit accordingly. Chase confirmed receipt of this credit from XXXX XXXX, but since then, has mishandled our refund and we have not received any credit to our accounts. 

A Chase representative informed me that a check would be issued to us once the credit was located when we called to follow up with the refund on XXXX XXXX. However, in early XXXX, we received a letter ( dated XXXX XXXX ) stating that a refund was sent back to the merchants bank instead. We were provided with a Reference number for the refund and asked to contact XXXX XXXX to resove this matter. After multiple inquiries, XXXX XXXX confirmed that they have not received any credit linked to the transaction reference number provided by Chase. 

Furthermore, it is troubling that a major financial institution lacks transaction records to confirm that the funds were transferred. No one was able to find any relevant information related to the refund reference number nor the history of fund transaction in the Chase system. 

We have been continuing follow-up throughout the last four months. On XX/XX/XXXX, we were advised to send a letter to request for the refund by our local Chase Bank branch manager and we received a repeated letter ( dated XX/XX/XXXX ) as Chases solution. This situation raises significant concerns for me as a long-term and loyal customer. 

We are extremely disappointed with how this situation has been handled. We expected a much higher level of service and attention to detail from an institution like Chase, and We are frustrated that it has taken this long to receive what could have been a simple refund to me. 

At this point, we are left wondering where my {$900.00} credit is? Please review the transaction history associated with the reference number and assist in locating these funds as soon as possible and provide me with a suitable resolution to this issue. 

Your immediate attention to this matter would be much appreciated. We have attached copies of the letters as well as the timeline of events for your reference. I look forward to your prompt response. Please feel free to contact us if you need any further information regarding this claim.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Misreporting of Installment Loan as Revolving Credit by XXXX Dear CFPB, I am writing to formally file a complaint regarding an account misclassification on my credit reports with Experian, XXXX, and XXXX. The account in question is an installment loan for a water system provided by XXXX, which is incorrectly reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively impacting my credit score. 

Despite multiple attempts to address this issue directly with XXXX, the creditor has refused to reclassify the account and insists that it should remain reported as revolving credit. I believe this misclassification is a clear violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are failing to ensure maximum accuracy by misclassifying an installment loan as revolving credit. 
2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : XXXX has failed in its obligation to provide accurate information to credit reporting agencies. 

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. Should this account remain inaccurate beyond this timeframe, I respectfully request that it be permanently removed from my credit reports due to its adverse and inaccurate impact on my credit standing. 

Additionally, I am aware of the CFPBs current legal actions against Experian and XXXX for their failures to properly investigate consumer complaints, reinvestigate disputes, and ensure accuracy in credit reporting. This ongoing lawsuit reinforces the importance of addressing systemic issues within credit reporting practices. I urge the CFPB to thoroughly investigate this matter as part of its broader effort to hold credit reporting agencies and creditors accountable. 

I kindly request your assistance in ensuring the creditor and credit reporting agencies comply with their legal obligations under the FCRA. I look forward to your response and resolution of this issue. 

Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to the Experian XXXX Website to enroll in their service because of the XXXX XXXX XXXX Settlement That is suppose to be complimentary. 

After enrolling I was directed to a web page to select a plan and payment method. I refused to pay so my subscription was cancelled. When I tried to enroll later the web sight refused to let me enroll. 

Several years ago I enrolled in Experian for ID protection because of a data breech and the service was suppose to be free. But I was charged on my credit card for the service and I had to do a chargeback with my bank.
Product: Credit reporting

There is a social security number associated with my credit report that is not mine. I tried to remove it via the experian dispute website but it would not allow me to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I needed money and looked for a loan. I signed up for a loan XXXX at the end of XX/XX/XXXX via internet I received a mailing days after- it stated XXXX for XXXX pay off with 4 payments - just like i was told on the internet. I went to website to sign up XX/XX/XXXX at no time did they show 20 payments I signed up for XXXX and pay off of XXXX Now they say I signed up for 20 payments - that I have 16 more payments. I went to my bank to stop the business getting anymore money - i paid my 4 payments. I did received money XXXX on XX/XX/XXXX - which was not the agreement. The internet stated XXXX I at no time saw that I had 20 payments and 743.4707 % loan rate in total it would cost me almost {$3700.00} This is a scam- I called and they refused to show me what I have paid and gave me the run around. If you look them up they have been sued I am an XXXX and fell for this trap. I paid out of my XXXX XXXX XXXX acct - XX/XX/XXXX {$340.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$260.00} I have paid XXXX
Product: Vehicle loan or lease

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.The following account BHFC FINCL SRVS ( Account Number : XXXX ). Date Opened : XX/XX/year>. XXXX {$2900.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with BHFC FINCL SRVS. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$1600.00} ; XXXX XXXX Balance : {$87.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXXXX/XX/XXXX.