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

XX/XX/XXXX I wrote XXXXXXXX XXXX a direct letter asking for specific information in regards to account # XXXX to their mailing disputing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX tracking number XXXX. XX/XX/XXXX XXXX XXXX received my request. It has been 31 days since I sent my request inquiry and I have NOT received any information back from this debt buyer. The specific information I was requesting was Original Date of 1st Delinquency date that occurred on the Original Creditor account with XXXX XXXX 
Last payment made on the XXXX XXXX account with XXXX XXXX. 
How many days was this account LATE before the Original Charge Off date XX/XX/XXXX with the Original Creditor XXXX XXXXXXXX. Example XXXX, Charge off XXXX XXXX XXXX or XXXX XXXX XXXX whom ever they represent themselves as has failed to respond to my inquiry within XXXX business days not including holidays and weekends which is a violation of the FDCPA and FCRA. This company is reporting different information to XXXX Experian and XXXX and all 3 companies have Verified as XXXX this account or updated the account. I do not know which consumer reporting agency is reporting accurate information because all 3 agencies report different information. 

* XXXX Verified as XXXX this account on XX/XX/XXXX file number XXXX with a 7 year purging date of XX/XX/XXXX and a past due dollar amount {$8400.00} currently reporting. They claim that this account was closed on XX/XX/XXXX all while reporting the Account Type as Open. The Original Amount reports {$8400.00} while the Balance and Past Due report {$8400.00}. There is no reason why the balance and original amount should be different. 

* XXXX generated me results for this account on XX/XX/XXXX confirmation number XXXX with the date of delinquency date of XX/XX/XXXX. The high credit reports {$8400.00} with a balance and past due of {$8400.00}. The account type reads Open with a Payment History reporting XXXX days past due. 

* Experian generated me with results on XX/XX/XXXX report # XXXX with the 7 year purging date of XX/XX/XXXX. The Original balance reports {$8400.00} while the balance reports {$8400.00}. The current status reads {$8400.00} past due and a Payment History is being reported. XXXX has updated information with experian but refused to answer to my inquiry letter? How is that legal? 

This is why I requested information directly from the source in clear explanation and this company refused to answer to my inquiry and send me what I had requested. If this company had the information on file then they should have no problem supplying me with this specific 3 questions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was, in fact, paid on time. The consumer reporting agencies need to report all my information with complete accuracy following the XXXX law. 

This account ( XXXXXXXX XXXX XXXX XXXXXXXX ) has not been late on payments I've attached a copy of my report to this complaint on the following dates { XX/XX/year> }. 
I'm now requesting you investigate and provide me with verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

See all attachments.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account from my credit report, as I am a victim of identity theft. This account was opened without my authorization, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this information removed. 
Fraudulent Account : XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$15000.00}
Product: Mortgage

Freedom Mortgage acquired my mortgage in XXXX, XXXX. They increased my monthly payments by a fixed amount that would produce an escrow excess of about {$700.00} a year. A fixed yearly excess would add up year after year. It appeared as though Freedom Mortgage was using the escrow to generate extra income. 
I requested the possibility of maintaining my own personal escrow account. During XXXX, Freedom Mortgage reduced the monthly payment to XXXX, close to the original monthly payment. However, I noticed that they removed the property insurance from escrow. Several weeks later, in correspondence dated XX/XX/XXXX, Freedom Mortgage indicated that they removed the property insurance from the escrow. If I wanted the property tax removed, I need to send funds to cover an escrow shortage. Over the past two months, I have written Freedom Mortgage three times pointing out there was no escrow shortage, once using a payment history screenshot. 
Most recently, Freedom Mortgage has strangely posted on my payment history, payments received on XX/XX/XXXX, payments I never sent that seem to have been credited towards escrow. On XX/XX/XXXX, I received an email from a XXXX # XXXX, Freedom Mortgage Customer Satisfaction Ambassador, asking that I call her regarding an important business matter. I have not called. I am not sure what that business matter would be or what they are up to. The last correspondence I sent Freedom Mortgage on XX/XX/XXXX may  have triggered something.
Product: Student loan

Request made to MOHELA on XX/XX/XXXX requesting refund of payments they collected from me when they were not supposed to per federal guidance ( due to administrative forbearance ). The payments were made XX/XX/XXXX and XX/XX/XXXX, each for {$650.00} ( total refund due : {$1300.00} ). I received confirmation from MOHELA shortly thereafter, indicating that the request for refund was received and forwarded to the US Treasury. MOHELA indicated that they can not give status update about the timeline for refunds, and that those questions have to be directed to the Treasury. I have attempted to call the Treasury multiple times using various numbers I have found online, including XXXX and XXXX. The menu for the first number provided simply hangs up, saying my request can't be completed. The second number frequently says the department is busy and can not take my call at this time. I have no update on my refund, nor have I received payment. 

I filed a consumer protection complaint on XX/XX/XXXX. Mohelas 's response was that my student loans transferred to XXXX XXXX in XX/XX/XXXX, therefore they are not responsible for refunds. They closed my complaint. This argument is inappropriatell because I made the refund request on XX/XX/XXXX, prior to my loans being transferred to XXXX XXXX, XXXX Mohela responded that they would be submitting the request. Mohela never addresses my complaints, and gives canned answers instead of investigating. I just want to know where my refund is.
Product: Credit reporting or other personal consumer reports

Transunion is obligated by the FCRA to report accurate accounting. I/ME/the consumer advised multiple times that ALL the inquiries reported were fraud and said the company had the lawful amount of time to remove such items. I have reported XXXX XXXX XXXX XXXX and I see an entry listing a Bankruptcy I do not have a Bankruptcy. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. A Bankruptcy filing is public information and UNITED STATES BANKRUPTCY COURT does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. This violates my rights under the FCRA therefore, I request that bankruptcy reporting be removed from my credit reports immediately. HOW can you VERIFY such INFORMATION when you can not legally access the information? 

An FTC fraud report was filed by ME the consumer and I had reported ALL INQUIRIES reported as FRAUD and I am now requesting Transunion to provide all documentation used to determine each inquiry was indeed authorized by ME the consumer. I am requesting the name of whom Transunion spoke with, the documentation used, and the wet ink signature of such contracts with XXXX XXXX  I AM NOT ASKING FOR THE E-OSCAR REPORT. IF Transunion does not have documentation to show these were in fact authorized by ME they must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a car and when they ran my credit it is showing by XXXX  brothers outstanding car loan with XXXX and a repossession on the car. This does not belong to me.
Product: Credit reporting or other personal consumer reports

There are a lot of hard inquiries I don't recognize and this goes with experian and XXXX XXXX I filed report for experian but didn't seem to do any good
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2016 there is a fraudulent account on my credit report for XXXX from XXXX XXXX XXXX ON my transunion , XXXX and fico.
Product: Money transfer, virtual currency, or money service

On XX/XX/18 i received a fraud alert that looked just like all chase alerts do so i responded no to to scam of a alert if i made a purchase in Florida so i said no then another chase looking text came in which i still have saved that got me to fraud department so i talked to them and he knew my credit card numbers and bank info. After that he asked for me to use another phone so i could put in a bunch of codes in my XXXX to fix the XXXX  so i knew that was a scam and hung up and called my chase rep to tell them what happened and he said he was on it and have names and date and screen shots of time i called. 
He told me it was a scam but my account looks good. i begged him to watch and not let anything go though because they where really good at scam and had my account numbers. By the end of the day they innated XXXX wires and XXXX went though, XXXX for XXXX and XXXX. 
At XXXX ; XXXX i called my bank rep back and he could not believe it went though and promised it was not my fault and they would make good on scam. 

After compliant he filled with me within 2 days the XXXX department denied my claim and said i had something to do with it. So i responded back that I called your company at XXXX XXXX  to ask you guys to watch over my account.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I have sent a money wire to my older brother XXXX XXXX who resides with his family in XXXX XXXX The money sent was money owed to him from inheritance. 

The total amount was {$50000.00} I have sent the money using my Capital one checking account to his checking account in XXXX XXXX bank. On XX/XX/2022 my brother texted me stating his bank received a message that funds were put on hold and that they needed additional information. 

I called Capital one on XX/XX/2022 and they sent me a fax to prove that funds were submitted and it was good on their end and that no one has contacted them for more information. 

Then my brother did more investigation and it turns out that the intermediary bank which is XXXX XXXX is holding the money. 

I did a conference call with my brother with Capital one on XXXX XXXX and a case was open on why funds were not deposited and it asked for money to be either deposited or return. 

On XX/XX/2022 I called capital one bank and they said they open a new request for XXXX XXXX to release or refund the money, I called Capital one again on XX/XX/2022. They lady said XXXX 's XXXX is not responding and not releasing the money. I do not trust XXXX XXXX. I also did not ask Capital one to use them. 

They are keeping my money for no reason and I am not sure what they are doing with it, but I do not trust them and their history speak for them. 

I would like for the fund to either be deposited to my brother 's account or returned to me. 

Since Capital one is the issuing bank they bear that responsibility. I did not ask them to send the money via another bank, specially XXXX XXXX which I do not trust nor I have an account with Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please see attached CFPB complaint filed today against the collection agent, XXXX XXXX XXXX that is wrongfully appearing on my EXPERIAN AND XXXX credit files.
Product: Credit reporting

this accounts was disputed on XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, see proof in attachment investigation still in process takes more than 30 days, no any answers
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX - XXXX XXXX {$1600.00}, XXXX XXXX XXXX {$210.00}, XXXX XXXX XXXX Bal. {$82.00}, XXXX XXXX XXXX Bal. {$760.00}, XXXX XXXX XXXX {$1600.00}
Product: Bank account or service

I have an account with Fifth Third Bank. I checked my account and discovered that my student loan payment had gone through despite requesting a recalculation which typically results in the payment not being processed. This resulted in an overdraft and my account being - {$600.00}. I contacted the bank that financed my student and was advised of the process for requesting a refund. I was told that this could take up to 20 days. I immediately contacted Fifth Third customer service to ask questions about the overdraft and fees. I specifically asked if the fees were incurred per item per day the account is overdrawn. I was told that the fees were not assessed per day. I was told that of the {$110.00} in overdraft fees they would refund {$74.00}. I specifically asked that as long as no additional transactions would go through would I not be assessed any additional overdraft fees. I was assured that I would not. I checked my account today and I was charged another {$180.00} in overdraft fees. This time when I called the rep, I was told there were a total of XXXX items that cleared. I tried to explain to the rep that those transaction were conducted before the overdraft and most were pending when I spoke with the rep on the day prior. This rep stated that I had been misinformation the day before. Fifth third is no stranger to the CFPB for it 's misleading practices and deceptive fees. I do n't understand how XXXX reps working for the same entity can provide such different information. I explained that the overdraft was not my fault and I was not in a position to clear the overdraft before XXXX XXXX, XXXX. I have been a customer of the bank since XXXX and have been back and forth about their fees and policies for years. The one reason that I have yet to close my account is because of the fifth identity alert feature which provides some great credit monitoring benefits. But this is costing me more than it 's worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting some recent lates I should not have on my accounts. I switched over and wasn't able to make any payments at this time. I tried to call several times but my calls were never answered. The accounts are # XXXX and # XXXX and I would like some of the more recent lates removed. These should not be on my account as I was switched over.
Product: Prepaid card

I purchased a {$100.00} Vanilla Gift Visa gift card for my sister for her birthday at a XXXX store on XX/XX/2023. On XX/XX/2023, she attempted to use the card, only to find out the balance on it was {$0.00}. When she checked the balance online, she found someone had made a {$100.00} purchase online at XXXX at XXXX AM on XX/XX/2023. Someone else had drained the funds before she even had a chance. I had inspected the packaging to make sure there were no cuts, tears, or any other signs of tampering to make certain no one else had gotten the card numbers off the front or security code off the back that would allow them to use the card without having the physical copy. I submitted a dispute to XXXX Bank on XX/XX/2023, but because I did purchase the card, they declined my dispute. I contacted XXXX on XX/XX/2023 and they explained that it " happens all the time with those cards, '' but the obvious fraud isn't enough for them to remove them from shelves. I tried to resolve the issue through Vanillagift.com on XX/XX/2023, but since submitting the documentation they requested, I have yet to receive a reply, I can not get anyone on the phone to check on my dispute, and now the card has been blocked on their site so I can't even track it there. Someone stole money from me and my sister, but apparently no one is accountable. The only recourse I have left is to go to the police and file a petty theft report.
Product: Debt collection

After reviewing my annual credit report I noticed that LVNV Funding LLC appears on my consumer credit report with inaccurate and Unverifiable information. I've sent the company several validation request but yet the company has refused to completely validate this debt as required by federal law. A violation of FCRA rules section 1681 and Violations of FDCPA section 809b.
Product: Checking or savings account

I had an unauthorized transaction in the amount of {$910.00}. And have filed a dispute. My dispute was denied by chime and this is not the first time i have had this problem. Since i have had this acct 2 plus years this is the XXXX or XXXX time i have had to file a dispute and have been denied even though i did not make or authorize any of these transactions. They also never accept my check deposits. I have tried to get my money back from chime but have been denied. I worked hard for this money just to have someone steal it and my bank wont do anything to help me. I just want my money back.
Product: Credit reporting or other personal consumer reports

This is my complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX and XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Mortgage

Btw-not certain type of loanif FHA or conventional I have been attempting to complete a modification that I can afford without penalty and extending loan out extensive decades further than initial time matured-along with the HUD department helping with principal reduction program along with assisting My process to become current and pay towards the missed months during my forbearance I have not been able to conclude this process while awaiting the HUD department to work along side of Carrington as Carrington originally excepted an offer they were willing to work with from the housing resource group/HUD alternatives however now have come back after I declined theyre all the horrible option for a modification saying that I am now in eligible for a principal reduction plan therefore preventing my mortgage payments to come down as I had initially been anticipated as they say My loan is ineligible And I now unfortunately have lost a $ XXXX {$50000.00} lump sum that was very highly likely to be granted as it had been approved through the program due to all of my extensive Covid hardship for a great deal of time and significant loss of financial XXXX XXXX XXXX  XXXX  At this point Im at a standstill and Im sure that they are excepting any possibilities however even if they allow HUD to bring me current I am in fear of the penalties the interest rate and the new modification they will offer me after that as it was almost worse of a scenario that I had initially Even back fully employed They also did grant me a forbearance however continue to say it started three months prior to the date I actually requested it and stopped paying my mortgage regardless of my attempts to bring things current with the proper department I Have not ever been able to get a clear and consistent answer from any one department or communications through website or mailings Ive made continued attempts to facilitate retaining my home and anticipated an extremely promising and hopeful platform to regain my financial security and retain our family home of 25  years and while I am still in a holding pattern -I was sent that there was a dispute being filed regarding all of this from the XXXX XXXX XXXX in Wisconsin therefore I am submitting review to see how this has affected my process I anticipate much of this suit reflects the very issues of resistance and one of the reasons and largely affected that I ( with the help of HUD and XXXX ) were unable to facilitate the principal reduction program that had initially been approved By Carrington. It is all very confusing so I am unsure why they changed their mind once the monies were there to be paid however I have been diligent and made every attempt to resolve this matter and I am very likely going to end up in a much worse & dire financial circumstance even with A stable full-time XXXX wage
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion Of these inquiries listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed XXXX XXXX