23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I tried to get my Credit Report and score via Experiam.com and was not able to do so online. 
I received a email from Experian with a phone number to call instead to get get my Credit Report and score. 
When I called the number XXXX the level of disrespect, professionalism i received was unbelievable. Never in my life I experience customer service as bad as thatXXXX call- could n't help me and transferred me to a machineXXXX call- could n't help me and transferred me to another line that did n't workI called again, for the XXXX time. This time a male agent try to help me and he could n't either. 
I ask to speak to a supervisor and i was on hold for 15 minutes. supervisor finally came on the phone and said there was nothing she could do for me. She now transferred me to another department after I had to hold for another 20-30 minutes. At this point had been on the phone for about 1 hour and 30 minutes. and all I wanted is my credit report or if they cant give to me to give me a reason why not. No one at Experian could do that for me. 
This next person I talk to was completely rude, unprofessional and mean. she started screaming at me saying that there is simply nothing she can do for me. I ask to speak to her supervisor and she said I could n't. unbelievable! I asked her for her name. she said she could n't provide that mind you I 've provided this person with all my info : name, address, birthday, social security ... you name it. yet, she would n't tell me her name or transfer me to a manager. After I pressured her to get her name she said her name was XXXX '' from the XXXX department. I then ask her for her operator # and she would n't provide that either. So I hung up and now I do n't have my credit report from them and I dont have a reason as to why not. I was disrespected and its sad that a company as big as Experian would treat people like this
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX  , 2017 my daughter had her wallet stolen. The  XXXX  incident report is number  XXXX  from district   XXXX   reported by officer  XXXX . She was secondary user on my   XXXX   XXXX    reward MasterCard  issued by Barclay. I called to report it stolen and at this point I wanted to close the account. The thief used the card and charged {$83.00}. I was told not to worry as that would be marked as fraud and I was not responsible for the charges. Then the {$83.00} was debited from my checking account as I did have automatic payments on my account. I called and was told that the first person did close my account but did not flag the fraudulent charges correctly. I was told they could not credit my checking account back the money and would see about getting me a refund for the fraudulent charges.They wanted to credit the charge card but it has been closed. I asked if they could send me a check. I waited and nothing occurred. I called again and was told they could reverse the debt from my checking. It was refunded back to my checking. Now I have received an email that my account is 2 months overdue. This has now affected my credit score and dropped it over  XXXX  points. I need to have them fix this account by marking those charges correctly as fraud. Then they need to show my MasterCard account as currently and never overdue. They must then fix my credit score.
Product: Debt or credit management

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered with Experian, and I am seeking assistance in resolving this matter. 

On [ date ], I received an alert from Experian stating that my credit score had decreased by XXXX points. Upon checking my account and reviewing my credit report, I found no explanation for this significant drop. I am diligent in maintaining my financial responsibilities, and my credit report has been consistently clean. My payment history is on time, including payments for my stolen car situation. 

Regrettably, when I contacted Experian to seek clarification, their representatives were unable to provide satisfactory answers to my questions. Despite my efforts to maintain a good credit standing, the lack of transparency on the credit score drop has left me confused and concerned. 

Additionally, I would like to highlight my experience with XXXXXXXX XXXX where I have faced challenges in obtaining assistance for my stolen car situation. The difficulties in resolving this matter have added to my distress. 

I am reaching out to the CFPB with the hope that you can investigate this issue, shed light on the reasons for the credit score decrease, and assist in rectifying any inaccuracies. I understand the importance of maintaining a good credit standing and am committed to resolving any issues that may affect it adversely. 

Thank you for your attention to this matter, and I sincerely appreciate any assistance you can provide in resolving this situation promptly. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/XXXX I made a bill payment from American Express Serve to XXXX XXXX XXXXXXXX cashback card in the amount of XXXX. The confirmation code is XXXX. American Express Serve told me to wait until XX/XX/XXXX for the transaction. I waited until XX/XX/XXXX. I called again, and the agent refuses to issue a stop payment even though the transaction still has not posted.
Product: Bank account or service

I opened a checking account to deposit my paycheck and that was all. I later logged into my account and noticed that there was also a savings account as well. Went into a branch to ask why that was on there, was told it was a way to save for future goals. I did not deposit much into the savings account and at one point moved all money from savings into checking and acquired a fee for a {$0.00} balance account. Was not told that fee would ever be applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times over the past 6 months disputing inaccurate addresses being reported on my credit report. 
The address XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX is inaccurate reporting. This address is not associated with any accounts on my credit report. 
This address is showing as my current address while my correct address XXXX XXXX XXXX XXXX XXXX, CA XXXX is showing as a former address. 

Also the following inquiries have no permissible reason or permission from me to access my credit report. All inquries on my credit report with Equifax besides the non permissible inquiries listed below are credit card inquiries while these are financial institutions that solict for FINANCIAL SERVICES which I have not given permission to access my credit report. 

XXXX XXXX. XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked continuously for verification of debts. Experian continues to say that they " verified '' debts, but they have incorrect addresses for the creditors, incorrect amounts, etc. They never provided me with any verification whatsoever, and they have continuously violated my rights under the FCRA. If these accounts are not removed from my credit, it is a violation of my consumer rights, and I will have no other option than to file suit against them. I am including a copy of my driver 's license and a copy of a recent utility bill so that they can not refute that I am, indeed, the one filing this complaint.
Product: Money transfer, virtual currency, or money service

Purchased a number of items from a woman, never received the items, tried to get a refund from cashapp and XXXX and they both refused to refund my money. I've also tried to resolve this with the woman I purchased the items from she refuses to pay me back, claiming I have plenty of money and I'm not going to do anything about the {$5000.00} she stole. I spent over a month going back and forth with her I need damages for my time wasted, emotional distress damages and repayment for the equipment I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into consumer credit transactions on various dates with the below listed accounts. I used my credit card ( Social Security Card ) defined under USC 15 1602 ( i ). Experian, XXXX, and XXXX  then furnished a report including these consumer credit transactions that stemmed from my credit card ( Social Security Card ) which should be excluded from the consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). Experian, XXXX, and XXXX  all are in violation for furnishing a report including the below listed account that were intimated with my credit card ( Social Security Card ).

Experian, XXXX, and XXXX  are also in violation of 15 USC 1602g, for reporting late payments on my consumer report when a finance charge was included in the consumer credit transaction they are reporting late payments on which should be the sum of all charges and a " late payment '' is not defined in the Fair Credit Reporting Act due to this fact. 

Experian, XXXX, and XXXX  were not given written permission to furnish a report on behalf at any point and if they were they have been unable to produce proof of this matter. These reporting agencies are only allowed to report what I Gove written permission to them to report and I have not given this permission! The consumer reports they have furnished on my behalf are unfair and they have caused damage to my reputation and ability to receive necessary credit to thrive and move the financial system forward! 

Account in violation : 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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : 1. Account Name : 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 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 received a letter from your firm stating that my letter requesting verification of erroneous items on my report has been classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous or irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed ( DATE SENT ) via certified mail, I will file a complaint with the Federal Trade Commission against your company. 
I have included my original disputes for your convenience below : The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
1. This account does not belong to me. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Other information I would like changed XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it.
Product: Credit reporting or other personal consumer reports

This complaint is againt XXXX  and equifax who reported score differciattes from XXXX who gives me a XXXX while the bureau score a low XXXX high XXXX critically affecting my ability to secure a line of credit with lender. As a principal to me the agent the credit bureauhas not forfilled the obligation. I woyld like this investigated bases on baised held against XXXX XXXX
Product: Checking or savings account

On Sunday XX/XX/XXXX at approximately XXXX and on Monday XX/XX/XXXX at approximately XXXX, {$300.00} was fraudulently withdrawn from my checking account via ATM withdrawal. This was not an authorized withdrawal and I do not know the person who did this nor how they acquired my PIN nor card. The card was in my wallet in my vehicle at the time. It was impossible that it was me who did this as I was working Monday during the time it occurred and the ATM video records proves it was not me, as evidenced by the police report I filed which reference said tapes. The bank in question ( Chase ) in spite of all this evidence, still refused to acknowledge that this was fraud and denied me my money which was stolen from me in the order of {$600.00} ; 2 withdrawals of {$300.00}. Is there anything the CFPB can do to correct this?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute information on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I have noticed that despite these two account being charged off and closed on XX/XX/XXXX and XX/XX/XXXX, monthly late payments have been reported on my credit report continuously for the past six years, which is well beyond the permissible reporting period under the FCRA. Here are the specific issues : 1. Inaccurate Reporting : Under Section 605 ( a ) ( 4 ) of the FCRA, most negative items, including charge-offs and late payments, can remain on a credit report for only 7 years from the date of first delinquency. The continuous reporting of late payments after the accounts were charged off and closed is not only inaccurate but also extends the period beyond what is legally allowed. 

2. Violation of FCRA : The act of reporting new late payments on an account that has been charged off and closed suggests an attempt to extend the statute of limitations or misrepresent the account 's status, which is a violation of Section 623 of the FCRA. This section requires furnishers of information to ensure the accuracy of the data provided to credit reporting agencies. 

3. Deceptive Practice : This practice could be considered misleading under the Consumer Financial Protection Bureau 's ( CFPB ) regulations, as it misrepresents my current creditworthiness and financial status. 

I request that you : - Investigate this matter promptly under Section 611 of the FCRA. 
- Remove all inaccurate, outdated, or erroneous entries related to this account from my credit report. 
- Ensure that no further updates are made to this account as if it were still active. 
- Provide me with a written confirmation of the actions taken to correct my credit report. 

Please acknowledge receipt of this dispute and inform me of the status of the investigation within 30 days as required by law. 

I have enclosed a copy of my credit report highlighting the disputed items and additional documentation related to the account 's status. I am prepared to provide further documentation or information if needed. 

Thank you for your attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion 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 the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.
Product: Mortgage

My TARP/HAMP 1TD modified mortgage from XXXX ( XX/XX/XXXX ) was transferred to my currenter loan servicer SPS in late XX/XX/XXXX/early XX/XX/XXXX from a previous loan servicer XXXX when XXXX sold my loan. For a little over six years, I made principal and interest payments with all three loan servicers ( XXXX, XXXX, SPS ) of {$870.00} a month pursuant to the Loan Modification Agreement. Then in XX/XX/XXXX, and without notice, SPS stopped collecting the principal portion of my monthly mortgage payment ( via auto debit ) that was approximately {$350.00} a month. In XX/XX/XXXX, when SPS again failed to auto deduct the principal pay-down, I called them for an explanation. From XX/XX/XXXX through XX/XX/XXXX, I called every month for an explanation, and every time I called, I could NEVER get beyond the call-serving level of SPS to speak to a supervisor about why they stopped collecting the principal payment. The legions of call-service representatives with whom I spoke made a variety of guesses but could only confirm that they had been previously collecting a principal payment every month ( which at first they denied ) but were not anymore. Then in XX/XX/XXXX I received a notice from SPS that my fixed interest rate of 2.5 % was being adjusted to 3.75 % and would adjust every XX/XX/XXXX hereafter. My monthly calls to SPS increased significantly throughout XX/XX/XXXX and XX/XX/XXXX, but I could never speak with the same person about what was happening to my loan terms. In mid XX/XX/XXXX, I met with a branch manager of  XXXX who also called SPS on my behalf. XXXX and I believed the XX/XX/XXXX Modified Loan Agreement was fixed for 40 years at 2.5 % and, in effect, the original ARM was permanently modified ( as was my equity line with XXXX, which they still own and service pursuant to the TARP/HAMP mortgage rescue program ). Sometime in XX/XX/XXXX, SPS moved my incessant telephone questions into a category they called research, but only after I wrote a letter dated XX/XX/XXXX ( attached to this Complaint ). Once XXXX began representing me, SPS moved my inquiries into dispute. In late XX/XX/XXXX, after four or five calls from XXXX ( with me present and sometimes handed the phone ), SPS said the XX/XX/XXXX Loan Modification Agreement lacked two keywords : Fixed before 2.5 % interest rate, and permanent, which did not appear in the caption of the agreement or anywhere in the body language. XXXX and I believed the modification was fixed and amortized to a payment in full date in XX/XX/XXXX ( see paragraph 2 of the agreement ). In short, some phantom supervisor at SPS unilaterally decided that because TARP/HAMP ended in XX/XX/XXXX, I was now back in the terms of the original ARM ( dated XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

It has recently been made known to me of the practices of Transunion, XXXX, and XXXX [ hereinafter the respondents ] have breached certain privacy laws. The unlawful actions of the respondents have adversely affected me. The information that the respondents have furnished to associations in regard to credit transactions is considered my private non-public consumer information. Due to the actions of the respondent, I have been adversely affected by lenders and denied credits for the respondent has failed to ensure the security and confidentiality of customer records and information. 15 USC 6801. Credit Inquiries - Any report containing information solely about transactions or experiences between the consumer and the institution making the report, is the consumers private information. The respondents have furnished my private information, being information solely about transactions and experiences between myself the consumer, and the institution that reported the information to the non- affiliated third-party respondents [ credit inquiries ]. If in any way the respondents were granted consent [ to furnish my private information/hard inquiries ], written or non-written, verbal or non-verbal, internet cookies, through any access device, with or without proper consideration ; it was granted to the respondent by way of extrinsic fraud and I the consumer rescind the respondent 's authority and I thereby opt-out. I the consumer can opt out at any time per 17 CFR 160.7 ( f ). I, the consumer, never received the required privacy notice from the involved agencies that could have very well prevented socioeconomic discrimination regarding credit transactions that I have experienced.
Product: Mortgage

Dear CFPB, I am writing to you because my mortgage company is refusing to help me keep my home, I requested for help and my mortgage company told me that they were going to review my account for a loan modification under the home affordable modification tier 2. 
Now after 4 months waiting for a decision, my mortgage company told me that the investor reviewed my account and due to my back ground it is not on their best interest to help me keep my home. 
I recently received a denial letter however I called them I told them I did n't agreed with their decision. so they told me they will not help me appeal the decision since this is the investors decision. 

Please help me since all im looking is to keep my home.
Product: Credit card or prepaid card

Made payment of {$2500.00} on XX/XX/2022, the payment cleared my checking account the same nite! Now 13 days later and the creditor has not made this payment amount available in my available credit! Not acceptable. Why?