23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX 2015 I was sued by Portfolio Recovery Associates. I went to court and was ordered to mediation. At mediation, the attorney for Portfolio and I agreed on a settlement, to which I had 30 days to pay. I paid the debt in time. 
Portfolio will also confirm that it was paid in XXXX 2015. Every single month Portfolio reports to the credit bureaus that the debt is valid with the original balance. Every month I have called, spoken to their dispute department and was told they would take care of it immediately. It has yet to happen. Last month after months of inaction on their part, I disputed the charges with all XXXX credit bureaus. Portfolio in turn sent debt validation, validating the debt in writing to me and to all XXXX credit bureaus, 6 months after it was paid in full. I just spoke to them again, told them they are in violation, and they hung up on me.
Product: Mortgage

Flagstar will not remove PMI when my current LTV is at 72 % without getting a {$750.00} appraisal done by them, on a home that was bought below current market value. they stated its a XXXX XXXX requirement. XXXX XXXX said its flagstar and the loan orginators reqsponsiblity. Either way a simple lookup at comps in the area will show its worth more. they do not disclose the appraisal requirement and per the attached letter it says the PMI is removed automatically at 78 %- it is not.
Product: Debt collection

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I understand the importance of maintaining a positive credit history, and I am committed to rectifying any discrepancies that may exist. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I would like to highlight that I have been proactive in addressing the situation and have taken the necessary steps to ensure that my financial responsibilities are met promptly. In light of this, I kindly request your understanding and cooperation in removing the late payments from my credit report. 
Enclosed with this letter, please find supporting documentation that substantiates my efforts to rectify the situation. I believe that the removal of these late payments will significantly improve my credit score and contribute to a more accurate representation of my financial responsibility. 
I understand that your bureau plays a crucial role in maintaining accurate credit information, and I appreciate your attention to this matter. I kindly request that you investigate this issue and, if possible, remove the late payments from my credit report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX. I was out the state working. My identity was stolen from an individual, XXXX XXXX. Who made this transaction. He died a few years ago. I wasnt aware that this account was used without my consent, knowledge, and authorization. The company refuse to acknowledge my request of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today and I noticed that it says my student loan balance is {$220000.00} and that is incorrect. My balance according XXXX is actually {$190000.00}. I am being overcharged on my credit report which is affecting me negatively.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX, I attempted to go into my XXXX XXXX XXXX and use the " Send Money with Zelle '' button. I have used this frequently for the years I have been banking here. However, today it told me it " had trouble accessing my Zelle profile '' and to call them now. 

I called the number, and the customer service member with XXXX said that my account was restricted, and it could not be lifted. I asked why was it restricted, and he told me it was due to a " fraudulent or scam transaction. '' As I am sure I am not a scammer and have not committed any fraudulent transactions, I wanted to know how to appeal, or get it removed, however he notified me that it's not possible and there is " no one who is capable of lifting it. '' I believe this is unfair, as I was not given an evidence, I was not notified, and I was not given any way to appeal. A formal appeal process is necessary.
Product: Debt collection

This debt is not mine and I have no knowledge of said debt. It is reporting to credit bureaus which is negatively affecting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I WAS A VICTIM OF ID THEFT. NUMEROUS ACCOUNT HAVE BEEN OPENED FRAUDULENTLY IN MY NAME WITH MY ID. BELOW ARE THE ACCOUNTS THAT I HAVE NOTICED ARE FRAUDULENT.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I HAVE FORWARDED THIS INFO TO : XXXX, XXXX  AND EQUIFAX. EACH CREDIT BUREAU HAS REFUSED TO REMOVE THE FORGOING DATA.
Product: Credit reporting or other personal consumer reports

I would like you to investigate a XXXX  XXXX bankruptcy that was reported to all three credit bureaus and verify who provided this information.
Product: Debt collection

About a month ago I got a text message from Leaders Financial congratulating me on my auto loan and telling me the due date for first payment of {$410.00}. I had not made any such loan, had not bought a car since XXXX, and had never heard of Leaders, so I just deleted the text. On XX/XX/XXXX I got a text telling me I was 12 days overdue and to call or click Leaders. I looked Leaders Financial up online and found they were based out of New Jersey ( I live in XXXX  and have not been near NJ since XXXX ) were involved in secondary auto financing, whatever that is, and had nothing but bad reviews on XXXX, so I was afraid to contact them, since it could be a scam. I thought maybe somehow it could be Identity theft, so I checked my credit report and saw no listing of a loan through this company, and have had no weird or unknown charges on any of my bank accounts or credit cards. Possible scamming keeps from calling them, so I'm filing this complaint in order for the CFPB to investigate and contact them instead of me, then let me know what is going on.
Product: Credit reporting or other personal consumer reports

I requested that XXXX  # XXXX dated XX/XX/year> be removed from my credit report due to the account being sold and settled. Account needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against TransUnion for its failure to address inaccuracies in my credit file, including unauthorized hard inquiries. Despite my repeated attempts to resolve these issues directly with TransUnion, the company has not complied with its obligations under the Fair Credit Reporting Act ( FCRA ) to investigate and correct errors in a timely and reasonable manner. 

Specifically, my concerns are as follows : Inaccuracies in My Credit File : My credit report contains incorrect information that I have disputed multiple times with TransUnion. These inaccuracies negatively impact my credit score and financial standing. Despite providing supporting documentation, TransUnion has failed to take corrective action or provide adequate explanations for its inaction. 
Unauthorized XXXX Inquiries : My credit report includes hard inquiries that I did not authorize. These inquiries remain on my file despite my disputes and requests for their removal, accompanied by evidence of their unauthorized nature. 
Failure to Investigate Disputes : TransUnions refusal to conduct reasonable investigations into my disputes or to provide clear resolutions is a direct violation of the FCRA and has caused significant harm to my financial well-being. 
TransUnions inaction has resulted in financial and emotional distress, including difficulty obtaining credit on fair terms and unwarranted damage to my credit score. These practices undermine consumer confidence and violate the rights guaranteed under federal law. 

I am requesting that the CFPB : Investigate TransUnions handling of my credit file disputes, including the unauthorized hard inquiries and other inaccuracies. 
Ensure that TransUnion complies with its legal obligations under the FCRA to promptly and thoroughly investigate and correct errors in consumer reports. 
Take enforcement action if TransUnions practices are found to be in continued violation of consumer rights. 
Thank you for your attention to this matter. I trust that the CFPB will act decisively to protect consumers like me from TransUnions harmful and unlawful practices. Please feel free to contact me for further information or documentation regarding my disputes.
Product: Mortgage

FC Lending offered interest rates on a mortgage loan based off of an inaccurate credit report and credit score. I had a legal name change and informed them as such, as well as providing a letter of explanation dated XX/XX/18. The credit score they provided from XXXX XXXX was approximately 50 points lower than what it actually is. I do not feel that the rates offered reflected my credit worthiness. FC Lending offered me 4.625 % with 1.5 % discount points and PMI of 0.66 % versus an LPMI rate of 5.25 % with 1.5 % discount points. Before discovering the inaccuracy, I locked in the LMPI rate which is set to expire XX/XX/18. Based off of my actual credit score and credit report, the new lender is able to offer me a much better rate that not only saves me money initially but also in the long run. I have informed FC Lending of the inaccuracies but they are not willing to correct their mistake. I feel like this is predatory lending. I have already switched lenders, but the builder, XXXX XXXX, is threatening me with termination of contract in an effort to force me to use their preferred lender, FC Lending.
Product: Money transfer, virtual currency, or money service

Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds. 


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

Approximately 30 days ago, i check my credit report i saw some information are wrong and report incorrectly in my report, personal and accounts..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im shocked when I was checking my credit report. Why I see this negative information. Why you put it on my name. I never apply for it. I dont know how to live right no and Im nervous. I cant even sleep. I believe someone used my personal information
Product: Credit reporting or other personal consumer reports

I was genuinely shocked to see inaccurate accounts pop up on my credit report this morning, and I cant understand why. I regularly check my report, but today I found discrepancies that seemed to come out of nowhere. I attempted to refresh my browser, hoping it was just a glitch, but the inaccurate accounts still appeared. Given this upsetting situation, I am requesting a careful review of the documents I sent so that I can stop worrying about this matter once and for all.
Product: Payday loan, title loan, or personal loan

Had a personal loan with American Express. I paid off the loan on the companies ' web site on XXXX XXXX 2022, in the amount of {$3900.00}. 
American Express debited my checking account twice. They need to reimburse me for the incorrect double payment of {$3900.00} I have contacted American Express numerous times, including emailing the Corporate Office. At on point -- I think XXXX XXXX -- I was told a " paper check '' was in the mail and should get it in XXXX business day. Never happened. 
Several times, I was told -- including, today, XXXX XXXX -- that it was being escalated but the refund was pending. I am getting the run around from American Express! 
Case number is : XXXX Thanks
Product: Checking or savings account

I received an email that an account was opened using my name and phone number through Chime. I called Chime to close the account because I did not authorize it and they did but when I asked if transactions or deposits were made, I was told I could not receive that information because the account was not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Moneylion said I took out a loan to boost my credit paid them {$150.00} of the loan and all i owe them is {$71.00} of the loan. and continue to say I am a member
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number ( XXXX ) ( XXXX ) for my credit card to report an issue that is negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors are required to send periodic statements that include all information required by Section 1637 ( b ) at least 21 days before the payment due date. This ensures that consumers have su [ icient time to review and make necessary payments without being penalized for late payments. 
Additionally, the FCRA, specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. 
I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely a [ ected my credit score. 
The details of the late payments reported to your agency are as follows : XXXX. XXXX XXXX Account Number : XXXX XXXX Late Payment Date : XX/XX/XXXX XXXX  Payment Status : 30 days late. 
XXXX  Last Payment Date : XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Late Payment Date : XXXX, XXXX XXXX  Payment Status : 30 days late. 

In accordance with 15 U.S. Code 1681i, I request a full investigation into this late payment report, and I expect the information to be corrected. As per 15 U.S. Code 1681s-2, data furnishers are responsible for ensuring the accuracy and completeness of the information they report. I request that this late payment be either removed from my credit report or updated to reflect the accurate payment status. Additionally, I request that you send me an updated copy of my credit report reflecting these corrections once the investigation is complete within the legally mandated time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been attempting to pay my student loans every month. My account information wa correct and my bank information was correct. The company could clearly see that I was going on every month and paying. The system said successful and confirmed. 

On their behalf, they did call, ONCE from a private and blocked number asking for my information. I went on the account and saw that it had not been successful so I paid it again- which UHEAA can see on their system. I also tried to call twice however I was on hold for over 20 minutes. I work over 50 hours a week, have to live as a single parent who has a XXXX XXXXXXXX - that works specifically to pay my student loans. WHY, would I not pay these? 

So on XX/XX/XXXX after dealing with this for 2 months I wrote to UHEAA and told them i would have to consolidate because I could no longer deal with hem not accepting my payments- all other companies have no issue but this one. They received the email acknowledged the wait on a loan consolidation. 

Now miraculously 3 days later they find the time to report me to credit bureau and dock XXXX pts off my credit that I have been building for 10 years. I called them multiple times asking how to fix this assuming it must be a mistake- they informed me I had {$600.00} too much for them to help me. That is {$610.00} over poverty line, do you understand what that means? That I can barely pay bills but they would only help me if I actually could not pay my bills. 

When I asked why they retaliated my loan consolidation with a credit report they said they absolutely would never do such a thing that they always report people that are delinquent at the end of the month however I have proof they did not report me until at least the XXXX of XXXX. On XX/XX/XXXX my credit was a XXXX when I applied and received a car loan. SO please explain why a company worth BILLIONS of dollars is retaliating against one, mother that singularly takes care of her child while struggling to work with XXXX XXXX including XXXX? 

I attempted to ask UHEAA for a resolution, multiple times. I submitted my paycheck stubs which apparently was {$300.00} too much in 2 weeks for them to acknowledge I could need financial help. I also showed them multiple emails between myself and UHEAA that I was trying to communicate with them to get the problem resolved PRIOR to this issue occurring and after. Not to mention stating I had always been willing to pay my bill, I had try to pay it which they also acknowledged and furthmore I said I would pay them right away by cash, credit or check. They denied all requests.
Product: Credit reporting

I am having trouble signing in to XXXX saying one of my security questions was answered incorrectly. XXXX advised me to contact Experian by phone to have them reset my account, as I know I answered the questions accurately. Low and behold, there is no way to speak to a live agent there and their IVR is the worst I have ever experienced. I want them to contact me since the credit score is through them.
Product: Debt collection

I had a bill with XXXX. It was sent to collections and i paid the bill in full to comast. It cleared through my bank. It was reported on my credit report by 2 different collection agencies for 2 different amounts. I disputed them both and one was removed. However, the collection agency, covergent outsourcing Inc, will not correct the issue. I disputed it through all credit reporting agencies providing proof of it being paid and with convergent outsourcing several times. The dispute just keep coming back as the information being accurate. So then I requested verification of the debt. Convergent outsourcing sent me the original bill from years ago saying it was valid as of XX/XX/XXXX. This is incorrect because I paid it to XXXX. Sending a copy of the original last bill from years ago isnt proof of the amount owed as of current. I have tried several steps the get this corrected and they will not update or remove it from my credit report, even though when I paid XXXX they told me it would be removed from my credit report.
Product: Mortgage

Hail storm on XX/XX/scrub>XXXX XXXX XXXX Filed a claim with insurance company and they sent a third party to write up an estimate. We get the first check, send it and get it back and out it into an account to only pay the contractors. I sent 3 more checks we received, they sent them back unsigned and wanting information. We sent them information and they sent them back unsigned again requesting the same information. We were able to get our financial institution to go outside of their policy and procedures and endorse them because we have a home equity loan through them. We checked online to see what they needed to release the funds and got the paperwork filled out by the contractor and sent to them. They scheduled a virtual inspection for today, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX. After waiting, I called and was told it was canceled because they didn't have all the funds listed in the report. Insurance just mailed the check on Wednesday. I hope that's the last amount they need, the first check paid the roofers and the down-payment for the siding. We need them to release the money so we can pay the contractors and they are holding it hostage for some other unknown reason. I just want the money so I can pay
Product: Debt collection

Went to XXXX XXXX XXXX for a specific toothache. After my visit they found issues that needed to be taken care of. However their plan would cost more money then I had. I have dental insurance. They said it would not be enough to cover so they had me sign paperwork and sign a form for XXXX XXXX. That got denied. I guess they found XXXX XXXX patient services. I dont recall signing an authorization for this particular institution but notified me that I had been approved for {$5000.00}. I told the dentist that we had to exhaust all other options first. I never received a notice of approval nothing. So I never used this credit line nor did I know how. I explained to the dentist that we would have to treat every appointment separately Because I could not get into debt for XXXX during an epidemic, I was losing my job and I knew I could not afford the payment. So I would pay as I go weather its with insurance or my personal funds. Next thing I know Im getting collection calls. The entire XXXX k was sent to the dentist. How is that even legal. I never received anything regarding this credit line I didnt know what payments were going to be or when they would be due. I talked to the dentist I told them I never said to use that credit line and you guys have not even fixed my original toothache. So I never returned. Now my credit is showing late payments for months the balance is over XXXX with late fees. I was working so hard rebuilding my credit and now they have put me in a even worse spot. I dont know how they can get away with 1. Releasing funds to a dentist who did not have my authorization to use funds. 2. I did not sign paperwork this company. I had no idea of the terms or how to use the credit line. I dont know who XXXX XXXX is I dont even think I have an application with them or signed an authorization for them. They want me to make payments I cant even afford. Ruining my credit. I dont know what more to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint concerning a problem with the credit reporting company 's investigation into an existing problem. Two accounts are being reported inaccurately : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

According to the FRCA the term investigative consumer report means, " a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' This never took place. Although the investigation was said to be verified, a proper investigation was never completed. 

Furthermore, 15 USC 1681 ensures that all information reporting must be accurate. When provided with documented proof that both accounts in question are not being reported accurately, the company 's response was, " Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently. '' Is this to suggest they can pick and choose which laws to adhere to while dismissing others at their discretion? 

Additionally, I never gave the company written instruction to furnish said information as per 15 USC 1681b ( 2 ).