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

Having issued with the  XXXX  credit bureau 's. Equifax place a Fraud Alert on my credit account. I contacted Equifax via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted   XXXX   and  XXXX , was it would be removed by the end of the business day. Around the beginning of  XXXX  I contacted Equifax again requesting the removal, I was giving a case number of  XXXX  and a conformation number of   XXXX   stated from them that the Fraud removal was done. I contacted the other   XXXX    agencies requesting the same, I was told by  XXXX  agencies that they could not remove the alert until Equifax remove it. Contacted Equifax again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no.  XXXX . also mailed in a request on  XXXX   XXXX . as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from  XXXX  and  XXXX  stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told Equifax and a third party requested  XXXX / XXXX /17 and  XXXX / XXXX /17
Product: Credit reporting or other personal consumer reports

XXXX Calendar Days have been exhausted from the XXXX XXXX Calendar Day violation ; all negative information must be deleted ( this is the XXXX respectful request with 100 % verifiable proof via the CFPB )
Product: Vehicle loan or lease

Good morning, I am reaching due to a letter I sent to Bridgecrest Financial regarding my registered security. I sent them a proper endorsement along with written instructions to go along with it. With those instructions I made sure to let them know I would be revoking the security interest in my title. I also revoked any rights to XXXX  my gift ( the car ). Lastly, I come in good faith requesting a clean perfected title free of defects ; since with my proper endorsement now both parties have value of consideration. I will be attaching the letter I sent them as well.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ transunion ] for the period of XX/XX/XXXX 2024of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with
15 U.S. Code 1681i.

ACCOUNTSXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I made a request to Nationstar Mortgage to cancel the ongoing private mortgage insurance. A few weeks after a home inspection by an authorized Nationstar approved appraiser, I received a form letter with a reason checked off that my mortgage balance had not reached a qualifying percentage of the " Original Value '' meaning the contract sales price of the property. I called the phone number associated with the appropriate department at Nationstar and was told that the correct percentage is not computed on the home 's contract sales price but on the amount financed through the mortgage. I believe this to be incorrect and attempted to explain my views to no avail. What is the correct way to calculate a balance subject to the PMI? The contract purchase price of the home was {$400000.00} with the remaining balance of approximately {$280000.00}.
Product: Debt collection

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is reporting late as reported in my 3 Credit Bureaus. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate thoroughly and please update for 100 % accuracy.
Product: Mortgage

This is the attachment for Complaint ID XXXX filed XX/XX/2023. 

After paying {$2800.00} plus to Round Point Mortgage in XXXX of 2023 to remove PMI I received this letter confirming it was completed. ( See Attachment ) When XXXX XXXX bought Morgage from Round Point the PMI was already removed. XXXXXXXX XXXX  mailed me a letter stating that Round Point had not sent the information over to XXXXXXXX XXXX. Later XXXX stated that Round Point made a mistake when they removed the PMI. XXXX stated that Round Point has admitted to the mistake. However, I have not heard from Round Point, only the notice from XXXX. Neither Mortgage company refunded my money for " what was a mistake ''! The only thing happened is that I needed to pay more money that I do not have.
Product: Credit reporting or other personal consumer reports

Experian failed to properly investigate and delete my disputes from 2020 to present. Experian also have ignored supportive documentation that would help with reinvestigating these disputes. Experian has unfair deceptive practices by using previous responses from the furnisher to complete their investigation and reinvestigations. Experian is forcing me to dispute these accounts directly with the Creditors which have been unsatisfactory. 

When submitting these disputes sometimes Experian sent me a response within one business day, stating that their investigation and or reinvestigation was complete and the account remains and updated. I believe Experian actions have been in retaliation of several complaints submitted to Consumer Financial Protection Bureau Please see the attachments with the amount due, my financial records that I paid that amount and more. ( XXXX XXXX XXXX XXXX ) Also attached is a statement from XXXX XXXX  agreeing to update my credit report removing the 30 to 60 day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never attended college in XX/XX/XXXX so I do not understand these late payments. I never received any bills or statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : EXPERIAN - XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  - XXXX XXXX XX/XX/2020 XXXX  - XXXX  XXXX XXXX  XXXX  XX/XX/2020 In addition, there is a duplicate inquiry from XXXX XXXX XXXX XXXX on XX/XX/2020 listed on my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a CLOSED visa credit account at XXXX XXXX XXXX  which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and TransUnion credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my XXXX XXXX XXXX XXXX  account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster. I insist on 100 % compliance with the FCRA and all Metro 2 protocols including the reporting on paper credit reports of all data reported in the Metro 2 submissions. I also insist on 100 % compliance with necessary internal controls to prevent Facially False Data from appearing on my credit reports. My credit report has daily entries where the data entry for Closed account is removed then at some time later replaced with a dispute code then deleted again with a code for consumer affected by a natural disaster thereby affectively changing a closed account to an Open account. Since the entire Metro 2 system is incapable of complying with the FCRA to prevent Facially False Data from reappearing ( such as a dead person coming back to life ) ( or a closed account being later reported as open ) then my account must be permanently deleted to avoid further willful violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my THIRD notice to this credit reporting agency for reporting fraudulent information on my report. 

I obtained my credit report that included false and fraudulent information on XX/XX/XXXX. I mailed an ftc identity theft report and a letter explaining this to the bureau. 

I have yet to receive any information about the results. When speaking to representatives - they said it was received and have no results pending. 

It has been two months and this information is still on my credit report impacting my life and my family 's life.
Product: Student loan

I have had private loans since XXXX. I have never been able to pay the full monthly payment amount because I have never been able to afford the payments. Mohela, who is now servicing my private student loans ( previously it was XXXX ) says that I can enroll in a XXXX XXXX XXXX. My loans have less than a $ XXXX balance but I have been making payments on these loans for over a decade because of the fluctuating interest rates and monthly payment amounts. When I spoke to a rep I was told that even if I were to pay the actual amount due every month, the loans would not be paid off until XXXX. I am struggling to pay my rent and the payments are not only barely reduced but my payments are being dragged over the next couple of decades even if I pay the full monthly payment. If I remain on the Rate Reduction Programs ( which I must because I can not afford $ 400 monthly payments ) the life of the loan continues to extend. I inquired if something were to happen to me like death or hospitalization, my cosigners would still have to take on the loan. They do not work with me to make sure I can afford the payments or lessen the life of the loans. The interest rates have burdened me into lifelong debt and terrible customer service. I can not afford to refinance the loans right now because I don't have the credit and I do not want my cosigners to suffer.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

XXXX or XXXX different employees at the Check N Go loan store have been informed by my supervisor that I can not accept personal phone calls at work but they continue to call several times a day.
Product: Credit card or prepaid card

1- I'm current Chase Bank Credit Card Customer . I have Chase Freedom Credit Card. On XX/XX/2023, I received an Offer Via email From Chase to Apply for another one of their Credit Cards : XXXX XXXX. ( SEE ATTACHMENT # XXXX ). 
XXXX The Offer included Zero % Introductory APR for 21 months on Purchasing and Balance Transfer . Then, 20.24 % -28.99 %, thereafter, depends on credit worthiness. 
XXXX The same email included a link " Respond Now ''. When I clicked, it took me to Chase Website to sign-in and proceed with their offer. 
XXXX After signing-in, the Screen did not have any information to proceed with the offer for XXXX XXXX Credit Card XXXX But it did have two Options : A- Need Help Choosing a Credit Card? Take a Quiz, and B- If you don't see what you are looking for, Find a Card. ( SEE ATTACHMENT # 3 ). THE SCREEN DID NOT HAVE ANY INFORMATION ON HOW TO PROCEED WITH THE OFFER FOR CHASE XXXX CREDIT CARD THAT CAME IN THE EMAIL. 
XXXX When I found out that, I went back to the email and clicked on the Link for " Pricing and Terms '' and surprisingly, discover that Promotional Zero % is for 18 months which contradicting the Offer of 21 months as stated in Chase Email oXXXX XX/XX/2023. ( SEE ATTACHMENT # XXXX ). 
XXXX On XX/XX/2023, which is the expiration date for Chase Offer for the XXXX XXXX Credit Card XXXX I called Chase Customer Services and Spoke to XXXX XXXX who stated that she did not know why the link is not working and she could not explain the discrepancy between the 21 months and the 18 months. 
XXXX It is clearly obvious to me that Chase Bank is deliberately avoiding the admission of their mistake and unequivocally, decided to not honor their PRE-APPROVED WRITTEN OFFER to me of 0 % Interest for 21 months. 
XXXX THIS IS AN UNFAIR BUSINESS PRACTICE IN GENERAL AND most importantly, HURTING AND HARMING A XXXX XXXX XXXX XXXX XXXX IN PARTICULAR. 
XXXX Regardless of what has happened, Chase Bank MUST honor their own pre-approved offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this concern therefore to facilitate your understanding. Back in XX/XX/2022, I received a negative late payment item was listed, I lost my job and created a late payment, despite the actual fact that I scorned receiving this late payment. I do feel precarious relating to it even presently, however, I did get current on the account # XXXX XXXX, as presently as my financial standing improved. I actually have been working hard to create a financial responsible alternative and have better control of my money and secured employment. 

I was looking to get a higher credit limit with Dillards in the near future, and it has come to my attention that the late notation from the company may prevent me from taking full ad- vantage of the best interest rates available. Since that notation does not reflect my current status with Dillards, as it is current, I am requesting that you please give me a second chance at a positive credit rating by revising those tradelines. I sincerely hope that there is redemption at Dillard 's and I plead for such consideration.
Product: Debt collection

Keep getting robocalls from " harris and harris '' debt collector-I called them and they have wrong number-trying to reach someone in Illinois-I am in Iowa-totally different name.I told them twice-stop calling, but they do call several times a week-I blocked the number, but still fill my voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a compliant about credit bureau equifax. When I did they dropped my credit score by more than 25 points and nothing has changed since last score received from them. The same accounts are on my report and nothing has changed for them. They updated accounts that have been according to last report been closed. I disputed info on my report that I did not authorize nor had any knowledge about. Now they have updated accounts that I had no knowledge of and refused to properly investigate items and accounts are closed. Can some one help me. Unauthorized inquiries from XXXX/XXXX, XXXX XXXX and XXXX XXXX. This is very sad that consumer reporting agency would instead of investigating inaccurate info they are further victimizing people. Can someone please help.
Product: Debt collection

XXXX XXXX Hospital is the original creditor. I went to XXXX XXXX Hospital and was told at check-in that only a co-pay would be charged to me for any services rendered. I was admitted and discharged an hour or so later. XXXX XXXX Hospital then submitted an egregious bill consisting of fraudulent charges. My insurance, XXXX of Illinois, paid much of this bill directly to XXXX XXXX Hospital. Then XXXX XXXX Hospital sent me a bill for an additional {$1500.00}. I promptly called the hospital to dispute both bills as fraudulent and requested a breakdown of services rendered and associated costs, and emphasized that I had not consented to receive any particular services and was never informed of any costs other than the co-pay which I had been assured by the hospital was all that would be charged to me. A breakdown of services rendered and costs was never sent to me. Instead, the account was immediately sent to a collection company. The account is now with Syndicated Office Systems, per my credit report. XXXX XXXX Hospital has been paid in full - and then some - by my insurance company, XXXX of Illinois. The additional amount of {$1500.00} being charged to me individually and attempted to be collected is fraudulent. I do not know if the error is one of duplication of charges, inclusion of charges for services not rendered, general over-billing, or some combination of billing errors. I request full review of services rendered and charges assessed, the failure of the hospital to obtain my consent to receive any particular services at an additional cost to me, and the legitimacy of the {$1500.00} bill being charged individually to me.
Product: Credit card

My husband and I bought electronic equipment on a Best Buy credit card, which account was opened specifically for the purchase and which carried no interest for 5 years. The account is held by Citibank. I immediately set up an automatic payment for the account, paying half of the minimum due every two weeks. At the time, my husband and I were employed at a company that pays every two weeks. My husband is still employed there ; I have since retired. No further purchases have been made with this credit card. 
In XXXX XXXX, I discovered that I 'd accidentally set up the payment for a single payment of {$57.00}, payed in XXXX XXXX ; I promptly paid the {$130.00} due, bring the account current. I have been paying {$28.00} every XXXX weeks since then. 
I just got a phone call saying I owed {$110.00} because of a late payment. I did n't understand how I could be late when I 'm paying an extra full payment a year. I spoke with the manager and she finally told me that my payment hit on the XXXX of the month, when I was supposed to make the payment no later than the XXXX. I asked how I could be late when I was making an extra payment every year and she said that we were not allowed to pay the account early!! I was charged over {$200.00} in late fees last year, by their own admission, because I paid my account early and the funds were applied to my balance rather than to the next month 's payment. 
I have brought my account up to date and have changed the payment date to the XXXX of each month and the payment amount to the full minimum payment. 
I feel that Citibank engaged in deceptive practices in order to charge late penalties.
Product: Checking or savings account

I have had a Truist bank account for over 6 months. Every time I deposit a check via mobile deposit or any deposit they held my check at least 5 days. This last time they held it for 12 days claiming its in the hands of XXXX fraud department. And now my bank account is frozen. But no one is telling me why! I have called everyday because my customer who is expecting her bathroom remodeled is very upset. # 1. for having to go thru this. And # 2. Because she slipped and fell in her old shower I am supposed to have fixed by now but can not. SO if this goes to court it will be Truist that needs to explain finally to the court why they have discriminated against me from day one on every check. And why my customer had to fall in her shower due to they're neglect and discrimination against they're own business checking customers. And today after 3 days of being told I needed to call in and have my account unblocked today. I called in 5 times being on hold for 2 hours total. And still after talking to them all day. They tell me I have to wait for someone to call me that is refusing to call me. So I still sit here unresolved an no one will help me at Truist. I have suffered, my business has suffered again and again, my customers have suffered, and still no one can tell me why this is happening or when they will decide to call to resolve it! Either way it looks like I'm going to need an attorney to get a XXXX company to give me my business, life, and money back so I can take care of my customers properly. Completely unexeptable behavior!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX CARD XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

my mortgage was transferred over from XXXX BANK to ROUNDPOINT MORTGAGE as of XX/XX/XXXX, in the interim I've NOT been able to get 100 % clear answers or help in rolling forward application of my loan forbearance status from XXXX BANK to ROUNDPOINT MORTGAGE. 

my initial welcome letter ensured me that all loan documents would be transferred over in a timely manner within the 60 days loan transfer period " grace period '', this has NOT occurred yet related to my mortgage loan forbearance status and ROUNDPOINT MORTGAGE isn't providing me with " single point of contact '' info either to remedy. 

plus ( to assist ROUNDPOINT MORTGAGE ) in expediting my request, I emailed their " service help '' department the attached letters ( back in XXXX XXXX ) from XXXX BANK showing that my mortgage loan # XXXX ( or # XXXX with ROUNDPOINT MORTGAGE ) forbearance was extended to XX/XX/XXXX.