23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and now, I 'm requesting a reinvestigation under Fair Credit Reporting Act of a dispute related to my credit an XXXX accounts that I have problems.. Unfortunately this dispute was not resolved as provided by law. I am also requesting that the information be updated immediately because from XXXX is not done despite my multiple re investigation requests.The acounts information has several discrepancies and errors. in XXXX the XXXX account was removed and then was reincorpored to the credit report. I have XXXX accounts sold to XXXX Bank with {$0.00} balance but appears in delinquency. The US Department of Justice and the Consumer Financial Protection Bureau ( CFPB ) announced at XXXX XXXX, XXXX a settlement to resolve allegations that XXXX XXXX XXXX Bank, known since XXXX XXXX, as XXXX Bank, engaged in a nationwide pattern or practice of discrimination by excluding XXXX borrowers from XXXX of its credit card debt-repayment programs. The settlement resolves claims by the department and the CFPB that XXXX XXXX violated the Equal Credit Opportunity Act ( ECOA ) by excluding borrowers who indicated that they preferred communications to be in XXXX or had a mailing address in XXXX XXXX from XXXX credit card debt-repayment programs. The agreement is a joint fair lending enforcement action by the department and the CFPB and is the federal government 's largest credit card discrimination settlement in history. Federal and State laws require that credit reports must be 100 % accurate, complete, and verifiable. I am concerned that you included the information below in my credit file in failing to maintain reasonable procedures to ensure accuracy in your credit reporting. As you can observe, the information was not updated when I disputed those account in various occasions. Is your responsibility investigate and update the information as I 'm requested in the several disputed that I submitted to your credit agency.
Product: Debt collection

I 've been trying to deal with this doctor XXXX XXXX for years now with no avail. I only saw the guy two time in which he prescribed me medication, that i was n't suppose to be taking. Then I come to find out at this doctor was a fraud for organizing and scheme patients and insurances for years. He was take XXXX of dollars in brides. When I call the office to fight the claim the nurse would give me nasty attitude one even cussed at me and threat me if I did n't pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is once again doing illegal things. I have sent them two certified letters with DL, social security card and two utility bills and i have requested that they remove an illegal security freeze that they fraudulently put on my credit report and they are refusing to remove it. I did not request it be put on these guys just did it to hurt me and to get me denied credit. also Equifax and XXXX are also doing the same thing. Putting illegal security freeezes in my file and not reporting removing it. These jerks are just playing with my credit file and they need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau fraudulently said I started a dispute in which I did not start a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were issues with my American Express card on XX/XX/XXXX when I tried to make a payment on the card. There were re-occurring deputed charges that kept reappearing on the account since XXXX. The charges would be disputed and credited back to the account then the charges would be added back to the account again by the merchant. When I spoke to a American Express representative on XX/XX/XXXX, he or she said, " They wasn't sure what amount I needed to pay because of the disputed charges were on the account and to call back in a couple of days once the account was adjusted ''. Therefore, I did not make a payment. 

Also, at that time, the representative did not inform me American Express no longer had the deferred payment plan and had a new payment plan for those who were still experiencing hardship due to the Coronavirus CoVid-19 that I could enroll in. 

I also have been affect by the Coronavirus CoVid-19 due to loss of work/unemployment. I should have been told about the new payment plan on XX/XX/XXXX to enroll in it to avoid a negative credit reportings. 

While American Express was straightening out my credit card account with the re-occurring deputed charges, which no payment was made on the account, American Express reported my account 30 days late on my credit file. This could have been avoided if I was told about enrolling in the payment plan program that was offered to those being affected by the virus. 

I have always been in good standing with my American Express card until I kept being charged by a vendor who were located in XXXX and I did not received the items when I should have received them. It took over a month to receive the items because XXXX was being affected by the virus, which the U.S. did not know. I also kept being charged by another vendor ( XXXX ) until American Express put a block on the account from the merchants. 

I asked American Express, " To removed the 30-days late from my credit files ''. I was told, " I needed to contact the credit reporting agencies ''. American Express need to remove the 30-days notice from my credit files had I was told/informed by the representative that American Express no longer had the deferred payment and that they had a new payment program to help those being affected by the virus, the 30 days late on my credit files could have been avoided. 

I was told about the new payment plan after my American Express Card had already reported my American Express Card late to the credit bureaus. 

I already being affected and tremendously impacted by the Virus, my credit does not need to be impacted also when this could have been avoided.
Product: Mortgage

This is a continuation of the following complaint : XXXX. I have been trying on and off to pay the mortgage since XX/XX/XXXX for XX/XX/XXXX. One again the website to New Rez sometimes work and sometimes does not work. New Rez has previously given me a lecture on clearing my cookies, etc ... I have done all that and then some. Since it has been brought to my attention that the behavior that New Rez is displaying is not usual and customary, I decided to research how many other people are " having trouble with the cookies " on their computers. I have found out that there are many many many other consumers throughout the world, reporting the same difficulties with the New Rez website that I am. I would like to send a XXXX XXXX payment but am concerned, that based on New Rez previously taking my previous XXXX XXXX payments and dispersing it as they felt necessary, and refusing to reverse the unauthorized disbursement of funds after I asked, the same could happen to XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when reviewed my credit report and found late payment on the dates below. 
Creditor : XXXX XXXX XXXX  Account # XXXX I was never late 30,60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I am not sure how this happened. I have always made payments in full and on time to you when I received my statements.my only thought is that there was a billing error with my statement.
Product: Checking or savings account

I was scammed for over XXXX grand I tried to dispute the charges to get my money back from the bank chime and they refuse to give it back.
Product: Credit card

This correspondence concerns a failed automated bill payment process with USAA Bank Signature VISA ending in XXXX. Please see the attached uploaded document for further details
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, Has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, fraudulent accounts have appeared on my credit report that I did not authorize. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3700.00} XXXX XXXX XXXX XXXX XXXX  - {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00}
Product: Credit card

Wrongful Treatment of American Express Loyal Credit Card Customers Date of Transaction : Thursday, XXXX XXXX XXXXXX/XX/XXXX American Express 's Promotional Offers, Marketing Practices, and Communications are Biased, Confusing, and Misleading. 

Brief Background : I have been an American Express customer since XXXX. Unfortunately, that is rarely even acknowledged. I have a XXXX Credit Score of XXXX. My AMEX Credit Card Accounts have always been in Good Standing. But, when I call American Express for Customer Support my calls are routed to International Agents that are condescending, disrespectful and rude. American Express Customers deserve better! 

Amount of Money Paid to Business : The amount of Money Involved is the method American Express uses to determine Credit Card issuance and Credit Card Limits What the Business Committed to provide : The American Express Agent ( XXXX ) Committed to Upgrade my XXXX XXXX XXXX XXXX to the XXXX XXXX XXXX XXXX within ( 24 ) hours for the Special offer I agreed to. But he documented that I requested more information when I did not. This caused an unexpected wrongful delay in processing my new American Express XXXX XXXX Credit Card. 

When American finally decided to load my XXXX XXXX, they wrongfully breached my Personal Identifiable Information ( PII ). They changed the name on my Hilton Honors and XXXX XXXX XXXX Credit Card, violating Data Privacy and security of personally identifiable information. 

Both AMEX Credit Cards have someone elses name on them : XXXX. XXXX. I need someone at American to tell me who XXXX. XXXX is. And how and why this happened? ( Please see the Screenshots of both credit cards in the Attachment ). 

When I applied for this Hilton Honors Credit Card, even though I have Excellent credit, the only way that American Express would approve the account was by lowering my XXXX XXXX XXXX limit to issue the Hilton Honors Credit Card limit. This is a horrible Bad Practice. 

The Nature of the Dispute is : American Express breached my Account by adding someone elses name, XXXX. XXXX, offers to my Credit Cards. They have fewer Advantageous Promotional. Higher Interest Rates, Inferior Credit Card Terms. Condescending, disrespectful, and rude communications. Invalidate and dismiss my concerns. Never apologize for confusing communications, wrongful actions and behaviors. 

Whether or not the Business had tried to resolve the problem? 
I spoke with XXXX, XXXX, XXXX, and XXXX, who was a 2nd Level Lead Review representative. 

But XXXX stated it would take them 7 to 10 days to provide any feedback or resolution. This is absolutely beyond disappointing!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are rwpoetinf that a payment was made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act.
Product: Mortgage

I had a supplemental tax bill that I sent to UWM on XX/XX/XXXX via their designated email address. The bill was due on XX/XX/XXXX. The bill was not paid when checked on that date so I chatted with them. Their agent mentioned that they are still working on it and that is when I mentioned that there will be a late fee penalty if the bill is not paid on time. Their agent responded that they will pay the penalties. It is also mentioned on their website that if they miss the due date, they cover the late fee. 

Today, XX/XX/XXXX, I started a chat with UWM and their agent mentioned that they received my supplemental tax bill on XX/XX/XXXX not XX/XX/XXXX and that this bill was paid as a courtesy and it is my responsibility so they are not going to cover any late fees. I mentioned to her that I emailed it on XX/XX/XXXX and have proof in my sent folder. I also mentioned their promise on XX/XX/XXXX to cover the penalties. She mentioned that they dont make promises and she is not sure who made that promise to me. 

I have screenshots of both chat sessions, the one on XX/XX/XXXX and today, available for review.
Product: Credit reporting

Despite several attempts to clarify or correct several medical collection accounts, Experian continues to verify without producing anything but a form letter in response with the statement that " Experian will not investigate this information again. The accounts in question are both unknown and unverifiable because of the incorrect address and provider names. I did not receive service during the time frame and from the providers listed and can only assume that their " furnisher '' or vendor is providing unsubstantiated and erroneous data thus harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been writing all XXXX bureaus, about accts and inaccuracies, in my credit file. There is a account, XXXX XXXX XXXX # XXXX, they are reporting, XXXX different negative late payments, i have written them several times, and they still continue, to keep this in my reporting even though it is inaccurate reporting. They are supposed to be a independent agencies, why do they keep doing negative things to the consumer file. i am a single woman, trying to raise a child, the law is clear inaccurate or incomplete, listings have to be deleted, its costing me time and money to try and get something so simple, how do they have so much control over our lives. XXXX, TRANSUNION and XXXX all are still reporting such.
Product: Credit card

Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am never overdue, yet they are inaccurately reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been inaccurately reporting a closed account for several month which violates my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided a letter from the courts indicating they do not verify or validate bankruptcy, yet Equifax keeps sending a notice to the CFPB indicating the bankruptcy has been verified.
Product: Vehicle loan or lease

I took out a loan with wells Fargo some years back on a car that I had already owned! A XXXX  XXXX XXXX which was {$5000.00}. The loan was paid in full and I received proof of payment and the title. The problem is Wells Fargo is damaging my credit report with all three credit bureaus as if I took out two separate loans with them and I only had one EVER! One account is showing under account number  XXXX and the other is showing under XXXX. They are reporting one correct in good standing no late payments, then the other they are reporting 120 days late WHICH NEVER happened this error is under account number XXXX. 

I have disputed this several times and Wells Fargo Bank Auto is refusing to view their records to see their mistake to correct it, they are only seeing that I did have a loan and reporting it as accurate. I have reached out to Fells Fargo by phone and certified mail to correct this. When I called I was informed by the rep that my account was never XXXX late, which I knew. She provided me with their reporting department address. I sent them certified letter with proof with no response! I even emailed and to the CEO and still no response!
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports on or about XX/XX/XXXX, I noticed false and inaccurate information between all three reporting agencies. Among that information is incorrect and old spellings of my name and previous names, old employment history and inaccurate, non-mailable, duplicate addresses that needs to be updated.

In accordance with The Fair Credit Reporting Act 15 USC 1681 section 602, it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have a right to make sure my private information is accurate, correct and without error.

False, incomplete, and old information must not appear in background check reports, and a persons complete consumer file, per the CFPB.

The CFPB issued guidance on permissible purposes for accessing consumer reports, identifying and eliminating obviously false and junk data, and resolving consumer disputes.

These reported inaccuracies are in complete violation of The Fair Credit Reporting Act, and The Privacy Act of 1974.

In accordance with 15 U.S. Code 1681e - Compliance procedures. ( b ) accuracy of reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
Product: Mortgage

I applied for a loan hardship modification with Caliber Home Loans. The modification approved and I had to sign the agreement and have return to Caliber by XX/XX/XXXX. I signed the agreement and called Calibur Home Loans on XXXX XXXX, spoke with an agent name XXXX XXXX. She stated the modification was approved and is being processed. She stated to call her back by Thursday and once processed I would received a copy of the agreement in the mail once processed. I called back to check on the status of my agreement and spoke with a XXXX agent number XXXX and she stated the modification could not be processed and due to some probate paperwork needed for my deceased mother XXXX XXXX XXXX. She also stated she do not know why the last time I called I was not told this. XXXX days has passed and I received no phone call, no letter from Caliber indicating what was needed. I am the cborr on the loan, and have the only interest in this mortgage. I advised XXXX, why was n't this communicated to me in a timely manner as I am waiting on a decision and would have to take time off work to go to my county office for this information. I am filing a complaint as they failed to communicate the proper info needed in a timely matter. My mod should take effect XXXX XXXX. When I called on XXXX XXXX, I was calling to set up an autopay to make sure the payments are on time each month, but instead I received this communication. furthermore, the interest on this loan is on a simple fee and continued to accumulate dailty. I feel Caliber need to offer some other assistance until I am able to get the documents they are requesting. When I completed my hardship, I received a letter from Caliber indicating they need a death certificate for XXXX XXXX XXXX and this was all they needed. No one mentioned anything about an EOE paper work, which I feel is not needed in this case as I am the cbrr on the loan and have been making payments to them for a while now. Plus, I would like an explanation of the additional charges that was added to my loan after Caliber took over my loan payment from XXXX in XX/XX/XXXX/XX/XX/XXXX. I requested a permanent interest rate reduction as the interest on this loan is way too high but instead they gave me a 5 year plan reduction on the modification. 

Loan name : XXXX XXXX XXXX and XXXX XXXX - XXXX. XXXX XXXX is now XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$340.00}.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX and someone opened XXXX checking accounts in Texas and I live in Maryland  and they also opened a credit card and then never paid it and now its hurting my credit. I request all accounts to be closed and the credit card removed from my credit report
Product: Credit reporting or other personal consumer reports

I did not received the XXXX XXXX XXXX When I realized, I went to the store and paid the complete balance. I complained with the cashier about not having received the statement, and she gave me a customer service number. I called there and explained the situation. They confirmed that there was an error in the address, and fix it. Since there was an error in the address, I never received the statement. Moreover, the company never called me to notify the payment delay. Therefore, this late payment should be removed from my credit history.