23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I received a notice of collection from State Collection Services ;  located at XXXX XXXX XXXX XXXX, WI XXXX. I sent a letter on XX/XX/2019 notifying them that the debt is in dispute and to cease collection efforts, until the debt is validated. It is my belief that the collection company has illegally continued to collect on a debt which has not been verified, after they received a notice to cease collection. This has been done by putting it on my credit report, thereby damaging my credit and potentially forcing me to pay it off in order to receive a loan from future lenders. This company has broken the law by not providing a verified debt to collect upon after they have been informed to cease their collection efforts.
Product: Checking or savings account

Our company account was randomally closed this week with over XXXX in it AND pending deposits and transfers. They then " reversed '' payments to all our financial institutions and payroll and caused closed accounts stating NSF which was not true- there is now over XXXX in that account after everything and they refuse information other than " account closing '' - I want my XXXX ASAP and they have not offered any help via chat, phone or in person. please assist
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXXday notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Employer - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having many problems with Experian. I have contacted EXPERIAN several times regarding my credit score. EXPERIAN keeps playing games with my credit score. EXPERIAN posts my credit score for about a couple of days and then I get an email from EXPERIAN saying I no longer have a credit score. And this and this has been going on for a long time ever since I change my name, they keep putting my credit score up and they keep removing it. EXPERIAN is the only company I am having problems with. XXXX XXXX and XXXX I have my credit score up and running, and I have shared all the same information with all these credit bureaus, and EXPERIAN is the only one giving me so many problems with my credit score, they keep putting my credit score up and they keep taking it away from me. Please help me with EXPERIAN. I can no longer deal with them. Its just been back-and-forth and theres no resolution. Thank you.
Product: Vehicle loan or lease

I put XXXX down on an XXXX dollar XXXX model XXXX XXXX on XX/XX/XXXX. I got hurt and I wasnt able to make a few payments. I cancelled the gap insurance so I could defer that towards the balance. Santander told me incorrectly that I could do that. Now my car was repossessed. They told me I could only get my car back if I paid XXXX to pay off the balance. I am working again. I want my car back. Please is there anything you can do to help me?
Product: Mortgage

As of my XX/XX/XXXX statement, I am under 80 % loan to value. I submitted a request via their online messaging system for PMI to be canceled, as there was nothing on their website anywhere explaining how to cancel PMI. 

Their online system requires a secure login and account to be set up, so it verifies my identity. However, they wouldn't do anything based on this request. Instead, the response told me that a request had to be submitted in writing via mail or fax. There was no form or template provided -- just that I had to include the account number. 

My partner and I wrote the request using the CFPB website information and an online template, and we never heard back. I sent another email message a couple of weeks ago via their electronic system and was told they would reply in writing. No information was provided. Another week has gone by without anything being received, and I just called in. 

They're now saying that I have to give them permission to do a BPO and pay {$140.00} to {$170.00} fee for them to do it. My loan ( and appraisal ) is less than two years old. When we bought the house, it also apprised for more than what we paid. This information could have been provided when I first asked about canceling PMI, and it wasn't. 

Even after verifying my identity twice, they also wouldn't let me authorize the BPO. They also claim they are allowed to require me to use their vendor and pay their fee as part of the cancelation process, but I didn't see anything like that on the CFPB website. 

I also asked if they would credit back the additional PMI payments being made from their failure to properly inform me of their process, and I was told they wouldn't. 

To me, this just feels like the mortgage company doesn't actually want to cancel the PMI and is dragging out the process. I would appreciate assistance from the CFPB with getting my mortgage company to actually cancel my PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen through Equifax to include but not limited to my SSN, DOB, address, and potentially my DL #. Also possibly bank information. All of my data is now in the public. This took place XX/XX/XXXX and I am just finding out as of XX/XX/XXXX. I have applied for credit monitoring but even that is n't even available for me until later next week ( see attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI applied for a credit card ( XXXX XXXX ) with XXXX XXXX. I was notified by XXXX XXXX that they were unable to obtain my Transunion credit report. On XX/XX/XXXX I contacted XXXX XXXX and informed the bank that my credit report with Transunion had been acquired after speaking directly with Transunion. I requested that XXXX XXXX withdraw my application. On XX/XX/XXXXI went to a local XXXX XXXX branch and spoke with a banking officer who contacted XXXX XXXX XXXXs underwriting department regarding several hard pull inquiries on my Transunion credit report by XXXX XXXX. On XX/XX/XXXX I applied for a credit card ( XXXX XXXX ) with XXXX XXXX. I was notified by XXXX XXXX. I was notified by XXXX XXXX that they were unable to obtain my Transunion credit report. I contacted Transunion who indicated they XXXX XXXX was in fact provided my full Transunion credit report resulting in hard pull inquiries onXX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in conjunction with these two credit card applications. Transunion stated that I would have to dispute the information directly with XXXX XXXX ; however, XXXX XXXX stated that I would have to initiate a dispute with Transunion. Unfortunately, Transunion does n't have a mechanism to dispute inquiries. I have made several attempts to resolve this with XXXX XXXX and Transunion to no avail.
Product: Debt collection

At the time this debt was made I was between insurances. I am now on medi cal which covers everything
Product: Checking or savings account

I received a settlement check from an attorney that banks with BBT XX/XX/XXXX for {$3800.00}. I took a picture of the check and deposited it into my XXXX account. I placed the check in a folder where I keep important documents. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted XXXX and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and discovered the check was missing. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted XXXX and filed a fraud claim on our account. I went to XXXX County Police department XX/XX/XXXX and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. On XX/XX/XXXX I received a copy of the check from XXXX. The check was deposited into a XXXX XXXX ATM XX/XX/XXXX on XXXX XXXX. I went to that XXXX XXXX branch and spoke to the manager he stated the fraud would need to be handled by XXXX and BBT. I went to XXXX police dept and filed a police report Case # XXXX. After investigating the incident the detective stated he spoke to the person that deposited my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. XX/XX/XXXX I still have not received my money back. I went to the XXXX XXXX branch today and spoke to the manager again. He contacted the attorney with BBT fraud department on conference. It appears that the attorney filed the proper documents to return my money, he was told BBT deleted the case because their clients acct was not compromised. They never sent any documents to XXXX XXXX. I do n't understand how BBT did not catch that the check was presented a 2nd time almost 2 months later. And how can you just delete a fraud case and not send any documents to the other party? I want this issue resolved immediately!!!! I have fallen behind on ALL my bills because of this. I want BBT to corporate with XXXX XXXX to return what is rightfully mines!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with zero responses from the bureaus. I sent first class mail on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. How is it possible that I send all these letters with no investigations back nor any results. I have so many errors in my credit report that need to be deleted. I am trying to buy a house but due to incorrect information hurting my scores I can't do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

If after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or can not be verified, the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the reinvestigation. 

Hello I have found inaccurate reporting information from XXXX XXXX. The account ending in XXXX XXXX XXXX XXXX XXXX. I have called, wrote, text the creditor several times. It has been over 6 years that this fraudulent account been on my Experian credit report. 

XXXX indicates that the account was for XXXX. Now Experian is reporting XXXX, XXXX as a write off. I've noticed there are different XX/XX/90 past due dates on both agencies. 

This reporting has been damaged my credit over 100 points for 6 years. I lost numerous of advancements in living, financial and personal. Due to this inaccurate information that's being reported by XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX was recently removed from my inquiries and it appeared again. On XX/XX/2023 I received a notification of a car inquiry I did not make. Please delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous written request certified to XX/XX/XXXX asking them to correct incorrect information on my file and they have ignored my request saying they can't verify it's me asking. Even when I have provided the necessary information. They select the information they want to update my file but never address or remove the erroneous or incorrect or positive information on my credit file. Recently according to a credit monitoring company XXXX,XX/XX/XXXX dropped my score by nearly 100 points and I can't get a copy of it free or otherwise to see why. I paid off an account with XX/XX/XXXXand opened another account immediately after and suddenly my score dropped. 
I tried to get a copy of the report on line several times including today but their systems keeps saying I already have an account but will not let me update or change the password. Can not open a new account called was on hold for 1 hour 20 minutes spoke to someone from one very far away with a bad connection very strong accent and was disconnect suddenly while trying to get a copy of the report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPS ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPBs recent administrative proceeding ( File No. 2025 CFPB 0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OAG Child Support is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Credit reporting or other personal consumer reports

his CFPB complaint has been filed to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report 3 fraudulent account ( s ) appearing on my consumer FICO Experian credit report which I do not recognize as reported and which result from identity theft and fraud. These fraudulent accounts consist of. A Credit Card account was opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A Personal Loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Phone account was opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit reports and that all collection activity related to said items cease under my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XXXX XXXX, XXXX. Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the XXXX website part of the data breach that took place betweenXX/XX/XXXX. After searching by my SSN,  it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries from XX/XX/XXXX removed immediately. As these things are negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan was paid in XX/XX/XXXX. GM Financial continues to report a balance of over {$16000.00}. They continue to report this as of XX/XX/XXXX. They say the problem is with all 3 credit bureaus.
Product: Vehicle loan or lease

On XX/XX/2018 I traded in my XXXX XXXX  for a XXXX. I requested from XXXX that my Preferred XXXX XXXX Plus Insurance be cancelled. I am entitled to a refund. It took XXXX til XX/XX/2018 to cancel my insurance and I have yet to receive the refund of {$310.00} from XXXX of XXXX. I have emailed at least 10 times informing them that I need a status update on the refund and also that I have a new address. No one gets back to me. 

My contract Number with XXXX XXXX XXXX is XXXX Refund amount XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureau reporting debt that the Secretary of State of Illinois Shows in a UCC 11 search that I don't owe.
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. 


Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Prepaid card

I wrote a whole page and you didnt save it so Im make it short first progressed closed my account after a month of me telling them to close it on XX/XX/year> because someone else was using it and they did nothing and let my account continue to charge and then hit me with a annual fee even though I told them to close it before that and when I tried get help they said they couldnt do nun and that they could only close it and give me the remainder of the XXXX $ XXXX put to open the account and now there only trying to give me XXXX $ back out of XXXX $ which is crazy if you could please help me
Product: Credit card or prepaid card

I previously submitted a complaint regarding my citibank XXXX  charge. I was contesting a charge in the amount of {$360.00}. 

Citibank refuses to issue a determination based upon the facts submitted. 

I received a letter indicating that initially I disputed the charge as " not as described ''. Citibank requested additional information, which I provided. However, Citibank claims that the additional information I provided indicated that the charge was " unauthorized '' versus " not as described ''. 

So, as a result, Citibank refused to make a determination based upon the merits of my dispute, but rather denied my claim because, essentially, I " checked the wrong box ''. 

I am attaching my response to Citibank 's letter. 

I am also attaching a listing of dispute categories provided by Citibank 's online dispute center ; please note that the choices are preceded by the statement " Pick the one that fits best ''. 

Therefore, Citibank itself is acknowledging that their dispute categories may not exactly correspond, yet I am being penalized and not being given a decision because I picked the wrong category.