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

I ordered a copy of my report in XXXX and XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. I sent a letter to the 3 credit bureaus on XX/XX/2022. As of XX/XX/2022, Equifax, XXXX, and XXXX have not responded to my dispute. This is my sixth attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any account which was opened without my knowledge, consent or authority. 
XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

Ally bank only allows payment via their app, their webpage, or by phone. If you make a payment by phone, they charge an additional fee for the payment. 

I attempted to create an online account at their website to pay my first payment. The website did not recognize my password, and locked me out. I called customer service to unlock the account. They issued me a " temporary password '', but while I was on the phone with them, I used the temporary password, and it did not work. They informed me that their password portal is not working at this time and they are unable to give a timeframe when it will be working. 

They then told me the only method to pay my account was by phone, via a third party, and that I would be charged an additional fee to make my payment. They told me if I called them back after the payment was processed, they would credit this fee back to my account. 

How on earth is this legal? They offer limited options to pay the account, then when those options don't work, they force you to use a system that charges extra fees. If you don't want to do it their way, they will give you a negative report on your credit rating.
Product: Credit reporting or other personal consumer reports

Violation of the Fair Credit Reporting Act ( FCRA ) by Experian Details of the Complaint : On XX/XX/year>, I sent Experian a packet containing seven credit disputes. I have a certified mail receipt confirming that Experian received the correspondence. After realizing that I had not included necessary identification documents ( a copy of my driver 's license, social security card, and proof of residency ), I promptly sent a new packet containing the same disputes, this time including the required documents ( a copy of my driver 's license, social security card, and voters registration card ). The second packet was sent on XX/XX/year>, and XXXX XXXX XXXX XXXX confirms that Experian received it on XX/XX/year>. Despite these actions, Experian failed to initiate or complete an investigation into my disputes within the 30-day timeframe required by the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681i ( a ) ( 1 ). I tried several times to contact Experian by phone, however their automated system makes it impossible to speak with someone or inquire about disputes. Under the FCRA, Experian is obligated to investigate consumer disputes in a timely manner. If Experian can not verify the accuracy of the disputed information, it must delete the items from my credit report. Experian failure to comply with this legal requirement has left inaccurate negative information on my credit profile, causing significant harm. Impact of the Violation : Experian 's negligence has resulted in negative and inaccurate information remaining on my credit report. This failure has directly impacted my ability to access credit and secure housing, as lenders and landlords rely heavily on accurate credit reporting to make decisions. The presence of this false information has caused undue stress, financial hardship, and a diminished quality of life, which could have been avoided had Experian honored its obligations under the FCRA.
Product: Vehicle loan or lease

Complaint Regarding Chase Bank, XXXX, and XXXX Dear XXXX, I am writing to file a formal complaint regarding ongoing issues with Chase Bank XXXX XXXX, and XXXX that have significantly impacted my credit score without valid reasons or explanations.

The crux of the issue lies with Chase Bank 's attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, Chase Bank alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than XXXX  days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, XXXX recently dropped my credit score by XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both Chase Bank and XXXX. Specifically, I request the following actions : XXXX Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review Chase Bank 's response and ensure that they address the theft of my car situation appropriately. 
I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. 
Addresses. Only the address XXXX XXXX XXXX XXXX, NC XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX And the address XXXX XXXX XXXX XXXX, LA XXXX They must be removed immediately In the birthdate/year of birth field 1998 this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS ALSANA " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. 



Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX  XXXX account number XXXX date opened XX/XX/XXXX late payments XX/XX/XXXX XX/XX/XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting Collection account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within XXXX business days As permitted by federal law
Product: Mortgage

In XX/XX/XXXX my house was totaled during a storm and my insurance paid me out the full policy amount ( {$380000.00} ) to rebuild it. Because I still owe money on the house they made the check out to me and my mortgage bank ( US Bank ). It was deposited in an escrow account on XX/XX/XXXX ( tracking number XXXX ). The first disbursement check for {$110000.00} was send with delay beginning XXXX and I was able to pay the mitigation company and what I owed my contractor so far. Bills were uploaded to the insurance claims account I have with US Bank. Ever since then they refuse to pay the second disbursement. The reason the longest time was that the floorplan was illegible. We uploaded it multiple times in different file forms. We even faxed it as requested. Everytime they said its illegible and that the have to rescan it back in which will take a business day. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX to resolve this issue. Every time the same answer. The floor plan is illegible, they have to scan it back in and this will take a business day. On XX/XX/XXXX I started to threaten with attorneys, demanded to speak to the manager. Then the person on the phone said that he spoke to the manager, he opened a complaint for me ( tix # XXXX ), and that they are sending a check over night. My question for how much the check is he didnt want to answer. It was for {$2900.00}. So I called again on XXXX to complain again and this time they told me that the floorplan was deemed legible and that a check is on the way. This check is for {$11000.00}. I owe my contractor {$60000.00} at this point and can not pay him.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX conspired with prev. servicer XXXX to remove and disappear my Escrow acct upon transfer, XXXX XXXX is a XXXX rated company and has predatory practices. 
They then increased my mortgage by 24.9 % while I reported I was adversely experiencing hardship and have failed to address in any way the missing {$5200.00} escrow. 
Meanwhile, I struggled to pay the XXXX  as a XXXX homeowner and XXXX student and with stated reported XXXX hardship. My XXXX was increased after stating hardship later that month to the amount 24,9 % max allowable increase by law : {$2400.00} from {$2000.00}! 
Eventually, after almost a year of this I brought the mortgage current in XXXX XXXX. 

During this period, they did not update online the amount due, and collected partial amounts which increased adverse reporting for XX/XX/XXXX due to not updating accurate amounts, when paid in XXXX, ( see attached 2 payments in order to get 1 payment to even show ) Stated on phone it didnt matter the partial amount showing and collected. I should have been shown delinquent one month less. 

I requested also multiple times for relief this extreme increase, last time was XX/XX/XXXX. It took XXXX to receive the updated analysis, finally arriving in XXXX. As such recently they did reduced it, but totally failed to timely respond by having gave absolute no notice of action or a response or a new escrow analysis, leaving me uninformed of reduction, to falsely believe I had pay more than was due as a method of intimidation and lack of access.. I requested relief with the escrow analysis onXXXX but they never sent any information and stated no record of my call, which was the day of payment and of which I have paper notes. On XX/XX/XXXX I dictated specific wording requesting assistance, this company refused on XX/XX/XXXX call to read any notes and on XXXX stated not even a call had occurred. Continually erasing and failing consumers with harmful actions. I have just XX/XX/XXXX received the escrow analysis rerequested on XX/XX/XXXX, but still yet no update of mortgage status I paid 3 payments and was current as of XX/XX/XXXX but they CONTINUE to falsely report me late more than 60 days as of XX/XX/XXXX I requested again for it to be updated and was refused assistance, customer service rep stating they had no ability to make a work request order for such. This occurred last on XX/XX/XXXX, when they call me on automatic dial. Supposedly my request was submitted but to date XX/XX/XXXX, there is no reflection of a simple request. 
I had currently paid over {$6300.00} in less than a week, and yet they still autodial harrassed me as if I am late. 
This action illustrates that they are purposefully not updating any information, continually trying to harm the consumer As of today, my credit reports last reporting from them XX/XX/XXXX and they have ignored my requests for accuracy. 
XXXX  shows the devastating practices of this mortgage service and illustrates why they should be removed from doing business in the U.S. due to their predatory and harmful damaging consumer practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding XXXX, XXXX, and Transunion, the major credit reporting agencies in the United States. It has come to my attention that these agencies are not deleting accounts after the statute of limitation for reporting debt has passed, which is a clear violation of the Fair Credit Reporting Act. 

What is even more concerning is that these agencies are purposely not reporting the whole payment history to avoid deleting accounts. This is completely unfair to consumers and it is unacceptable that they are being penalized for the credit reporting agency 's own negligence. 

Furthermore, when requesting a dispute for the statute of limitation, XXXX, XXXX, and Transunion have decided to place the full responsibility of the removal of accounts on the furnisher of the information reported. This is an unfair and unreasonable expectation to place on consumers who have no control over the information provided to the credit reporting agencies. 

I have personally spoken with representatives from XXXX, XXXX, and Transunion and have been instructed to dispute all accounts with the furnisher, and they would decide if the information would be deleted or not. This is unacceptable as these agencies should be conducting their own fair and reasonable investigation into these matters. 

I urge you to take action against XXXX, XXXX, and Transunion for their actions, and to ensure that they comply with the Fair Credit Reporting Act. Consumers deserve to have accurate and fair reporting of their credit history, and it is clear that these agencies are failing to provide this. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Kikoff Lending changed the terms of my contract from {$2.00} a month to {$5.00} a month without warning. They have been charging me for two years now. They claim to improve your credit score but mine has not. I asked them to stop charging me and cancel any contract and they have refused. I am unemployed and there is no end in sight to their charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX  of  2017 I su bmitted a multiple inquire removal letter to all  XXXX  Credit Bureau 's. I did not receive any information on the results or outcome of my request. On  XXXX   XXXX  ( over 30 days late r ), I   submitted a dispute online through Equifax for the same inquiries. That same day the results were completed stating the inquiries were factual and that I should contact the creditor if I disagree with the results. I feel as if my dispute was ignored  the 1st time an d then not taken serio us the 2nd b eing the results we completed in the same day. I understand that there are many people out there with concerns and issues but these inquires were NOT authorized and need to be deleted immediately. I would really appreciate it if someone would take my situation serious. Please help and remove the following inquiries.
Product: Checking or savings account

I had unauthorized transactions starting on XX/XX/XXXX, I contacted TD bank and filed a dispute on these transactions on XXXX the XXXX and also discovered that there was another transaction on my account that I didnt authorize I never received any fraud text alerts from TD to ask if I authorized these transactions they all went to bitcoin totaling over {$4000.00} I went to the TD branch to get a new debit card and was told to get a credit card but basically I feel that TD bank is punishing me for their negligence in not allowing these transactions to go through.
Product: Credit card or prepaid card

Attempted to call to work with this bank but I can only get someone in the XXXX. I want to speak to someone in my country. Please have someone call me so we can work together
Product: Mortgage

We had job loss that lasted 2 years for my husband and then myself. We finally filed chapter XXXX. The attorney that we had gave us a payment of {$680.00} but when we got to bankruptcy court we were informed that the amount was wrong. Our attorney said not to worry the new total would only be about {$100.00} more, it ended up being almost {$300.00} dollars more. Over the last 2 1/2 years we paid over {$23000.00} towards our bankruptcy. I. XXXX we became behind on our mortgage. In XX/XX/XXXX we received a notice that we had 10 days to pay {$17000.00}. Well in the midst of covid that was impossible. Fighting back and forth with the attorney for PHH and having XXXX XXXX and XXXX  XXXX we finally had to voluntarily dismiss our bankruptcy because they wanted to go to court to get it dismissed. We tried to apply for a modification but they wouldnt help us. We are fister parents and have so much going on with our kids losing our house would be devastating.
Product: Credit reporting or other personal consumer reports

I received a letter from DOJ concerning a breach that might include some of my personal information. 

I called the phone number in the letter and when it was mentioned that I needed use texting ( a cell phone ), I asked if there was an alternate way ( I don't have a cell ), the person became evasive and disrespectful. 

From my perspective, this company seems to acting as a shill for cell phone companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX  - partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. XXXX and XXXX are reporting correctly. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Checking or savings account

On XXXX I asked to do a transfer of funds from my account to my son which I have been doing for over 10 yrs. with Bank of the West now BMO. All we were doing was asking for the transfer funds from my account to his ( they are linked together ) which we have done for yrs nothing new the rep. got angry and hostile and told us we have to go to the bank for them to id us. Which made no sense. We had gone through the id process through the automatize system even to get to that point which we told her that was ignored. Told her to get her boss that was ignored. We ended up drive XXXX XXXX one way to the bank which we have been going to for yrs about 10 or more the same day this happened. Which we try to avoid because of problems we have had in the past. Instead of doing the transfer and opening up her account they acted as if they didnt know us and gave us the third degree which they also ways do which upset us and we left. All we wanted was to take funds from her account and transfer it to mine THAT IS IT, SIMPLE. Then we received a letter last week saying they are closing her account period, no discussion!! Leaving us in a Hardship it's not many banks area. We are XXXX hate crime victims in XXXX, KS and it is orchestrated by the XXXX police and law enforcement. We ask to be treated like human beings ; this a simple thing should not be kicked out just because they have the power to do so. We need help. Anytime we get some done we are treated like this on everything we do.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

I order a new phone from XXXX on XX/XX/year> and it was on back order until XXXX. I received my phone and could not activate it. I spent 3 hours on the phone with customer service trying to activate the phone and it was giving me an error that it belonged to a different account. The CSR told me they sent me someone else 's device or the phone number associated with it was still tied to an old account or something like that. Well one month later i get a collection account on my credit report for {$1100.00}. I disputed it multiple time with the credit bureaus to no avail. I submitted documents that showed i have been paying my bill every single month and the line is currently still active and still nothing. I spoke to a CSR why said they would help me and was on the phone for so long that they told me they would call me back tomorrow. They called back tomorrow to tell me they still haven't figured it out and that she was working with her supervisor to try and get it resolved into just bear with them a day or two longer. It has been two weeks and no supervisor has reached out to me at all. They wouldn't even get on the phone when I try to speak to them about the matter. I'm constantly going back-and-forth between the credit bureaus and XXXX XXXX  and submitting ample proof that it's an error on their part and they keep coming back saying that is accurate even though I currently still have the line active and has been paying every single month. The account number that they have for me on my credit report is not even the same account number for the XXXX account that i have