23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I sent experian documentation to experian to prove that these items should n't be on my report. they stated my results are ready but when i enter all the information to get results I get the following. '' The results of the processing of your dispute ( s ) are now available. View the results instantly online. Your Report Number is : Your Investigation ID is : XXXX '' " We .are unable to honor your request to access your credit report online. Please call us at XXXX, or you can submit disputes and supporting documentation at experian.com/uploadSelect this link to submit your dispute and supporting documents at experian.com/upload or write to us at XXXX. XXXX XXXX, XXXX, TX XXXX. '' so that they can correct my credit score. if they update my credit score it would over XXXX they are intentionally not updating my report to get the correct score. I have provided the proof and documentation and submitted online via their website and now they are not responding. to me they are trying hard not to update my credit score and using these delay tactics. 
experian is n't doing anything to correct my score which is grossly wrong. with the corrections my score would be over XXXX and should have been over XXXX for the past XXXX XXXX years. instead my score was in the low XXXX ( XXXX ), they are discriminating and illegaly not reporting correct information on certain peoples reports. not reporting corrected information and updating my score hinders me from employment, loans, apartment approval, and much more for the past four years. this should be looked into because I am sure this is effecting XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX  and XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ). 

My funds were transferred to the scammers XXXX wallet below : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent and unauthorized. I have never applied for a XXXX credit card account. The XXXX credit card account do n't belong to me.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent and must be removed immediately : Consumer ID : 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 o Total Fraudulent Amounts : {$160.00}
Product: Checking or savings account

There was a huge unauthorized electronic ACH transfers {$44000.00} from my checking account on XX/XX/XXXX th. Several of these transfers occurred until XX/XX/XXXX which total amounted to {$72000.00}. My checking account balance went from {$72000.00} to {$400.00} in XXXX days. I had alerted the bank I was going to XXXX on XX/XX/XXXX. I did not get any alerts from chase bank regarding any ach transfers in such big amounts. I checked my acccount XXXX weeks after I came back from XXXX on XX/XX/XXXX. Called the bank immediately to report fraud. Still waiting with no money in my account to even pay my credit card or mortgage.
Product: Money transfer, virtual currency, or money service

Dear Sir, Madam Once in a while, I used Money Gram 's express payment service to pay my car financing company. So, I did again on XX/XX/XXXX. I went to XXXX and paid to have a Money Gram express payment sent to my financing company. This company did not get paid. So, I set up a payment arrangement with it and headed, about mid-XXXX, to XXXX to get a refund of the {$360.00} ( before taxes ) that I sent to the financing company. I could not find the receipt, and did not have my phone with me. So, XXXX  offered me to use its phone to talk to Moneyram ; which I did. The gentleman at the other end of the phone told me that because I did not have my receipt, tough he found record of my transaction, the refund will be available to pick up at XXXX   only after 10 days from that middle of XXXX when I spoke to the Moneygram 's gentleman on the phone. So, on the XXXX of XX/XX/XXXX, I called MoneyGram to make sure that the refund was processed. The Money Gram 's representative told me that it was not done yet, but by the XXXX of XXXX, I will be able to pick up my refund at XXXX. On or about that date, I called MoneyGram again. This time the person who entered the phone told me that I should not have included week-ends in my computation. ; that instead to expect the refund on the XXXX of XXXX. So, today, I called again and was told to call in 3-4 days. Then, I thought to myself that something must be very wrong. I tried to reach Corporate office ; left a message, sent another one ; tried to chat. The lady at the other end of the chat, XXXX, wrote that she was not able to help me., without giving me any reason. So, my suscipions only grew. I have already noticed that MoneyGram 's automatic answering machine was not able to recognize the reference number on my receipt, each time I called. I have been doing business with MoneyGram for more than 10 years, I believe, and nothing like this ever happened to me. So, I am asking for your help, to, please get my money back. I thank you for your time and attention. Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX LAST 4 OF SSN : XXXX Credit Bureau Name : TRANSUNION Credit Bureau Address : XXXX XXXX XXXX, XXXX, PA XXXX Account # : XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$660.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX
Product: Debt collection

A medical claim was met through deductibles. A total charge of  XXXX  dollars and  XXXX  were sent in.   XXXX   of Illniois covered through insurancr. The total amount I owe on both is  XXXX  dollars. I sen t MRS the  paperwork and told them they were wrong to begin with since I delay with this over a year ago. I retained a lawyer and once this is cleared I plan to sue MRS. My wedding is in a week and because of this false collection it twice prevent me from being  approv3d o n ctedit. The documents were sent to  MRS and   XXXX . Currently is dispute.
Product: Checking or savings account

I opened a new high yield online saving account with Synchrony bank in XX/XX/year>. Then I transferred some funds to it from my other bank account. When I tried to transfer $ XXXX to my brokerage account in XX/XX/year>, Synchrony bank froze my funds with no reason. I called customer service XXXX times within XXXX weeks but they were unable to remove restrictions. I can not close this account and transfer out all my money either. There was no explanation or solutions from Synchrony bank. They kept saying its under review and not sure how long it will take. Synchrony bank makes it impossible to access your own money.
Product: Mortgage

My mortage was sold by XXXX to XXXX/Loancare last year. I received a notice from my homeowner 's insurance company in XXXX stating that my premium had not been paid. I contacted XXXX XXXXLoancare customer service department to ensure they had my insurance company 's information. I was assured at that time that it would be paid promptly. I then received a notice in XXXX stating that my homeowner 's insurance had been cancelled due to lack of payment. I then tried to contact XXXX XXXX by phone several times and have never been connected to a live person, but instead am sent through the endless, frustrating automated phone system which doesn't offer an opportunity to leave a message. I have subsequently sent three emails to the customer service department and have never received a response. As a result, I have had to pay the {$960.00} homeowner 's insurance premium out of my pocket which has created a terrible financial hardship for me. I have checked my escrow balance online and the money is there, they just won't pay! I am at my wits end and have never, ever been subjected to such a frustrating, unprofessional experience in my life. What are my options for getting my money back from this terrible excuse for a mortage company?
Product: Debt collection

I canceled my services with XXXX XXXX  is XXXX of XXXX. I was informed that I will receive a bill for the remainder of the month and to provide them with an address to send the final bill to. Once the bill was sent, I received an email from a worker at XXXX XXXX stating that the bill was returned and to provide another address to send the bill to. I didn't deem it necessary because I was and have always paid the bill online or by telephone. 

To my knowledge, my final bill was paid at the close of XXXX in XXXX. I believed this to be true because no one from XXXX XXXX reached out to me via email or telephone to inform me that my bill had an outstanding amount in the total of {$65.00} that was due. 

Months passed and I receive notification from XXXX XXXX informing me that I had a derogatory mark on my credit report issued from Collection Services of Athens on behalf of XXXX XXXX in XXXX of XXXX. 

Neith XXXX XXXX nor Collection Services of Athens informed me that my account was going to or currently in collections. 

I had a hard time giving proof that my bill was paid because the financial institution that was used to pay XXXX XXXX is out of state and when it came to getting statements delivered mail was mishandled and delivered. 

I decided to take a loss, and reach out to Collection Services of Athens and provide them with a 'Pay for Delete ' letter explaining that I would be willing to pay them the amount, {$65.00}, and in return, they will remove that derogatory remark from my credit report. 

Collection Services of Athens has not reached out to me since the letter was sent on XX/XX/XXXX.
Product: Mortgage

Whom it may concern, My mortgage loan is servicing by Ocwen Bank. They sent me a letter with the notice my interest rate changing to 3.125 % ( old rate 2.875 % ) and payment will go up to {$2300.00} My current payment is XXXX and it 's increase by XXXX %, when interest went up only .XXXX %. 
So how is can be? Well it could be, if the loan is going in the full payment. I would like to get explanation, why do they do against the contract? As per contact that could be happening only after XXXX payments were made. The loan starts on XXXX XXXX XXXX, so it should happen only in the XXXX XXXX. All documents are attached. 
The second is interest rate : My most recent statement said ( also attached ) 2.875 % is good until XXXX XXXX XXXX. So it 's meaning the new 3.125 % is wrong? 
These people do n't know what they are doing? How many customer are same situation or just do n't pay attention what is said on their statements. 
Please take action and somebody got to be pay for the mistakes? I would like a get fix rate, that 's all I want. They are refusing me to do a loan modification for 5 straight years. ( including IndyMac ). 

Please help us we would like to keep our house, but it feels now, just would like a quit and wait for few years, and buy house with different bank. It 's sad when they have this " Helping Homeowners is What We Do! '' is complete opposite in the real life. 

Thank you XXXX and XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Dear who may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
Product: Mortgage

In XX/XX/2017 as part of a divorce I was required to ( if possible ) assume the mortgage on the marital home which was being held by Plaza Home Mortgage Inc. We reached out to Plaza and asked them is the mortgage was assumable to which they replied that it was and sent paperwork to be completed to start the process. I sent in the required paperwork that they sent to me, sent in all of my XXXX XXXX, bank statements, proof of income ect. Over the next 8 months they continued to send me more paperwork, sometimes two or three duplicates of what I already filled out an sent to them. After calling them on the phone to fine out what was asking so long for the assumption they told me I had to send them a check for the fee 's and closing costs for the assumption and once I did that it would be about 30 days until it was complete. 

After sending the payment ( and them cashing it ) and after the 30 days had passed I once again called Plaza to see if it was all done. They then informed me that mortgage had ben SOLD to XXXX XXXX  that very day and that the assumption would go through XXXX NOT Plaza. They gave me the new account number for XXXX which I called. XXXX had ZERO record of any assumption process and not only that, informed me that the original loan was NON assumable and that Plaza would have know it was non assumable. 

So now, 10 months later I am out all the money I paid to Plaza for the assumption and I now have to purchase the house from my ex spouse at over a full percentage interest rate than was to have been given with the assumption. I also have to pay closing costs, transfer fee 's, taxes and such. 

Plaza KNEW this mortgage was not assumable yet wasted both my time and my money. Taking money from me for closing costs on a non-existent assumed mortgage.
Product: Debt collection

I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX  on several occasions with email, phone, and mail no response. I have reached out to HRRG as well. I have been insured for over twenty years and this should have been already paid. I reached out to my insurance company, and they said it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, the following have violated my rights ; 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 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account NATIONAL CREDIT ADJUST is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Product: Credit card or prepaid card

The problem is chase bank, my bank. When I log in it always tells me that I am pre qualified for the chase unlimited card. I checked my credit report today and it shows a denial inquiry on my report that drop my credit  XXXX  points. I want this removed at once so I can make arrangements to take my money out of this bank. This is a clear case of false advertising.  Chase  also sends the same thing in the mail
Product: Checking or savings account

I am having an issue adding my partner onto our Chase business banking account. XXXX XXXX is telling me the only way to add him would be to close down the account and reopen the account since we live in different states. Looking to have him added to the existing account by us both going into our respective Chase branch locations. Seems like they are trying to get additional new accounts versus just correcting the accounts that are open now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX EXPERIAN received a letter from me in which I asked for verification of alleged accounts on my credit report. EXPERIAN has refused to respond as I now demand the accounts in question be removed from the credit report of XXXX XXXX or provide the method of verification used to list these accounts on the credit report of XXXX XXXX. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ''. In compliance with this method of investigation provide the following : 1.name, address, and telephone number of each person contacted regarding each alleged account. 2. A copy of any documents provided bearing my signature, showing that I have a legally binding contract or that positively identifies XXXX XXXX ( such as public records showing full ss # of XXXX XXXX with signature ) as person responsible for or obligated to alleged accounts and public records. 
Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Product: Debt collection

On XXXX/XXXX/XXXX, I received a debt collection notice for {$1300.00}. Because I was clueless about the specifics of this debt, I immediately called the Credit Collection Services company and was instructed by a supervisor to submit a form to them via their website platform disputing the validity of this debt. This was on XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX and I have still not received the information I requested and it has been more than 30 days after my initial letter disputing the validity of this debt. 

On XXXX/XXXX/XXXX, I received another letter dated XXXX/XXXX/XXXX from the Credit Collection Services. I immediately called them and informed them that I submitted to them a request for validation and more information about the specifics of this debt. The representative did not address my concerns. I want to know what exactly this debt is for in very specific detail. I have every right to request this very important information. 

This is not the first time this company has failed to address my concerns after me making every effort to reach out to them. I would like for this company to address my request for more information and or to cease their collection efforts.
Product: Credit reporting

This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with zero reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks XXXX or XXXX questions. That is XXXX or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If thousands of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.
Product: Vehicle loan or lease

Last year XXXX I did a payment plan. They are claiming that I did another one this year in XXXX 2024 which is called the balloon. 

I spoke to XXXX today in resolutions and he couldn't even tell me if call was recorded, I didn't do this. 

He couldn't tell me when paperwork was sent. 

XXXX said he had to call me back XX/XX/year>. 
Capital one reports my payments to credit bureau when I pay on time. 

Capital one are crooks. 

They don't do the billing properly