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

As a consumer, I have encountered inaccurate and misleading information on my credit reports, which has resulted in significant harm to my financial well-being. I believe that these credit reporting agencies have violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ).

The specific violation involves the failure of credit reporting agencies to provide accurate and complete information about my credit history, resulting in the misrepresentation of my creditworthiness to potential lenders, employers, and other entities that rely on credit reports for decision-making purposes. I have diligently monitored my credit reports and found multiple instances where outdated, incorrect, or unverified information has been reported, thereby undermining my ability to access credit and obtain favorable terms.

According to 15 USC 1681 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, they must conduct a reasonable investigation within 30 days of receiving a dispute regarding the accuracy of any information on a consumer 's credit report. However, the credit reporting agencies in question have failed to fulfill these obligations, thereby violating my rights as a consumer.

I have made multiple attempts to dispute and rectify these inaccuracies directly with the credit reporting agencies. However, their responses have been unsatisfactory, often providing generic and unhelpful explanations without conducting thorough investigations or taking appropriate corrective actions. These actions not only harm my financial reputation but also undermine the integrity and reliability of the credit reporting system.

Considering these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate actions against the credit reporting agencies involved. I believe that enforcement actions, penalties, and the implementation of stringent compliance measures are necessary to ensure that credit reporting agencies comply with the requirements of 15 USC 1681 ( a ) ( 2 ) and safeguard the rights of consumers.
Product: Debt collection

I asked for proof to verify this debt belongs to me, they have only sent me a typed up statement with a name on it, this does not verify that this debt belongs to me. The company has failed to send orginal documentation to validate and verify this debt is mine.
Product: Mortgage

homeowner was delinquent on their loan and were protected by a C XXXX homeowners did not understand the XXXX process, they paid the XXXX plan payment but did not make their regular payments outside the XXXX plan to their lender. during this time the lender did not seek relief and allowed the homeowner to complete the XXXX plan. In XX/XX/XXXX we asked for a modification and SELECT PORTFOLIO SERVICING sent a packet and agreed to look at the client 's financial for a modification review. from XX/XX/XXXX through XX/XX/XXXX we have submitted, resubmitted the same documents over and over and have answered the same questions again and again. the client has enough verifiable income to modify the loan. SPS has been dragging their feet and lying to the client and to the housing counselor on a monthly basis. this is clearly servicer abuse and ignorance on the lender 's part. I know that they are reading from a screen and saying a lot of XXXX because they can not answer any questions about the underwriting process. we have been trying to negotiate with them for 9 months. we were told since XXXX that the modification was in underwriting then they would ask for updated information we would update them with the information and then they would punish the borrower by saying that the process was starting all over again. that 's just wrong. the lender is accepting monthly payments but keeping us in a holding pattern on the delinquency. need some action cfpb!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

exparian is demanding i pay a fee before allowing me to review my credit report, and to view any disputes i have opened with them on both my wife and i 's credit report which is full of invalid or fraudulent information and charges, they have also made it to where you cant cut and paste anything proving wrong doing against them on there web sit
Product: Checking or savings account

As an existing Ally Bank customer, I was excited when I heard about their 1 % cash bonus offer for moving money to an eligible account. The offer promised a cash bonus of up to {$500.00}, which was a significant amount for me. I immediately decided to take advantage of this opportunity and transferred {$50000.00} from an external bank account to one of my Ally Online Savings accounts, which was eligible for the bonus. 

I eagerly waited for the bonus to be deposited into my account. However, when I checked my account on XX/XX/XXXX, the day when the bonus was scheduled to be credited, I was surprised to find that Ally Bank had not credited the full bonus amount into my account. Instead, they had only credited {$410.00} to my account, even though I was eligible for the full {$500.00} bonus. 

Feeling frustrated and disappointed, I immediately contacted Ally Bank and opened a case to address the issue. The customer service representative assured me that the case would be reviewed and resolved within 5-7 days. However, after waiting for several weeks, I still hadn't received any updates from Ally Bank. 

Feeling concerned about the lack of communication, I decided to follow up with Ally Bank. Unfortunately, the responses I received were not helpful. They informed me that my case was still being reviewed and that they could not provide me with any timeline or updates. This only added to my frustration and XXXX  about the situation. 

As days turned into weeks and weeks turned into months, I found myself becoming increasingly frustrated with Ally Bank 's lack of progress on my case. I had provided all the necessary information and met all the requirements for the bonus, yet I was not receiving the full amount. It was extremely frustrating, and I felt like my concerns were not being taken seriously. 

After waiting for 91 calendar days, which was 64 bank working days, I contacted Ally Bank again to express my concerns. I was hopeful that my case would finally be resolved, but I was disappointed to receive the same response as before - that the case was still being reviewed, and they were unable to provide me with a timeline. 

The lack of progress and communication from Ally Bank was frustrating, and I was losing faith in the bank. I had been a loyal customer for a long time, but their handling of my case made me feel like my business was not valued. I was starting to wonder if I should take my business elsewhere as this whole experience left me feeling frustrated and disillusioned with Ally Bank. 

In conclusion, the lack of communication and slow progress on my case was frustrating and disappointing. I had met all the requirements for the cash bonus, yet Ally Bank failed to credit the full amount into my account. Their lack of responsiveness and failure to provide me with a timeline or updates left me feeling frustrated and uncertain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of buying a home but my lender is having issues with pulling my Equifax credit report. I have been reaching out to Equifax since XX/XX/2019, to get the issue resolved, now its mid XXXX and still having the same issue. Every time I call them they tell me there is no freeze, alerts, or block on my account, but my lender is getting error code : EFX-E0021 Applicant file blocked at EFX. When I call Equifax they always say there is nothing preventing the lender from pulling my report. I need help getting this issue resolved so I can complete the process of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am a natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a home refinance a couple months back and they reassured me that I would only get one hard inquiry on my credit report. All the pulls were within a short window and I have complained to Equifax XXXX XXXX XXXX. They removed one of the three and The other two are there days apart one on XX/XX/2022 from Equifax mortgage Ser The 2nd one is on XX/XX/XXXX from XXXX XXXX. 
They removed one but I was told in the short window can shop and only have one hard inquiry on your report. 
Thank you and kind regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was potentially stolen as part of the Equifax security breach.
Product: Student loan

I submitted an IDR application to MOHELA on XX/XX/2023. They failed to process it and it was listed as a pending status up until last week. Now it shows 'cancelled '. I did not cancel the application. I called MOHELA and was on hold for 2 hours and 17 minutes. An agent was unable to help me and offered to transfer me to a supervisor. The next thing I knew the call was disconnected. 
It is impossible to get basic loan information and services from MOHELA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a persistent issue of identity theft and the subsequent mishandling of dispute letters by XXXX, TransUnion, and XXXX, the major consumer reporting agencies. Despite consistent efforts on my part to rectify the situation, these agencies have failed to comply with the codes and regulations outlined for consumer reports. 

Since XX/XX/year>, I have diligently sent dispute letters to XXXX, TransUnion, and XXXX every 30 days, as per the established procedures for addressing identity theft and inaccuracies on consumer reports. Despite these repeated attempts to rectify the situation, I have encountered significant obstacles in receiving the appropriate response and resolution. 

The identity theft I have experienced has not only posed a threat to my financial security but has also resulted in considerable stress and inconvenience as I strive to restore my credit and personal information. Despite my proactive approach in contacting the consumer reporting agencies and providing ample documentation to support my claims of identity theft, the response has been insufficient and non-compliant with the regulations set forth by the Consumer Financial Protection Bureau. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that XXXX, TransUnion, and XXXX adhere to the established codes and regulations governing consumer reports. It is imperative that steps are taken to rectify the inaccuracies on my consumer report promptly and provide the necessary support to address the ongoing issue of identity theft. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this dispute.
Product: Credit reporting or other personal consumer reports

I Have reached out to all 3 credit bureaus and they have given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account name and Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian inquires that are Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a XXXX  card that was serviced by XXXX XXXX XXXX XXXXXXXX. Then my account was sold to some scam bank called Comenity. Right when the takeover was happening I made a {$5300.00} charge for auto repair. This XXXX XXXX is charging me TWICE for {$5300.00}, charging me interest also. I have tried calling multiple times and after about a half hour holding, the call disconnects saying that the number doesn't exist??? I have tried to write them to no avail. I can not believe what is happening and I hope I have some recourse. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 1. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
1. XXXX  Account Number : XXXX Date reporting NOT Accurate XX/XX/2023 - XX/XX/2023 - XX/XX/2023 : Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Product: Debt collection

XX/XX/XXXX XXXX XXXX  and I called them back at XXXX XXXX  -- received a call from Novea Portfolio stating that they were going to take legal action against me. He stated that they would get a judgement against me. I informed them that the debt is being handled by XXXX XXXX XXXX and they stated were not legal representation and would not talk to them. The man then began to get angry, yelling at me, while I was trying to explain that we signed a Power of Attorney that gives XXXX XXXX to work on our behalf to resolve the debt. He hung up on me. ( phone number XXXX ) XX/XX/XXXX XXXX XXXX- I called Novea Portfolio back to try to give them the information for XXXX that the first guy would not take. I talked with a XXXX. He then proceeded to do the exact same as the first guy, yelling at me and threatening legal action. At this point he would not take the information and I hung up. ( phone number XXXX ) XX/XX/XXXX XXXX pm- XXXX XXXX me back from an XXXX number to which he told me they would be pursuing legal action against me. ( phone number XXXX ) This account has been with XXXX XXXX XXXX since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXXt Account Name : XXXX and XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items 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  Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Mortgage

I have setup the mortgage payment to be automatically deducted from my checking account.For the XX/XX/2020 payment the company has deducted twice the payment amount from my account.I tried to contact them via email but got no reply.It is impossible to reach them by phone, after waiting on hold for about 40 mins the call is disconnected.
Product: Mortgage

In XXXX I received a notice that my loan had been transferred to a new servicer as of XX/XX/2020 from XXXX XXXX to ShellPoint. 
On XX/XX/XXXX I paid my original servicer the full amount due which was {$600.00} making my account current for the XX/XX/2020 payment and my next due payment would be XX/XX/2020. ' The new loan servicer ShellPoint started calling me advising I had late fees and was delinquent on my XX/XX/2020 payment. Through several calls they were unable to provide me any details saying all they know is I owe a late payment and that I still need to pay my XX/XX/2020 payment. I asked them to research this to which they said it has to go to another department. What I was eventually told was that I had to go back to my previous servicer and get any information to prove that I paid them prior to the account being transferred and that was not the new servicer job. Repeated calls requesting a supervisor, no resolution. I get calls saying I still owed XXXX for weeks. I paid my XXXX and XXXX payment and was then told I still owe XX/XX/2020 because when I paid they applied my payment to XX/XX/2020 and XX/XX/2020. I have been going round and round with shellpoint. When they call I have no asked to have them turn the recorder off as I live in California and its a 2 party consent state and they say they cant. At first they asked me to hang up and I said I would just wait. They know just disconnect the call and call back the next day or same day. 

This kind of behavior has to happen often with these servicers that take over loans and then put it on the consumer to prove that they dont actually owe the money to them. Every statement they have sent me is incorrect, ever phone call they make incorrect states about debt I do not owe. 

I honestly thought they may finally call my previous servicer to clear this up but was told they dont do that because its hard to find my account. Its silly. There has to be endless other people that get caught up in this and end up spending their time proving they dont owe a debt and or just pay it. 

I myself have found the email showing I made a payment prior to the account being transfereed which I have not sent to Shellpoint because I think this is ridiculous. Shellpoint has no marked me as having a late payment on my credit report and my score has dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed the inaccurate date of deliquency with XXXX  and this company responded on XX/XX/XXXX with no correction of the information provided to the credit bureau. I have emails stating the first date of deliquency for loans sequence XXXX,XXXX,XXXX,XXXX was XX/XX/XXXX and XX/XX/XXXX prior to me filing a Chapter XXXX bankruptcy in which these loans were included. I spoke to the company and they stated they sent a request to the owner of the loans and hadn't received a response however AES still reported inaccurate information to XXXX  that is negatively and inaccurately reporting on my credit report. AES also sent me information on XX/XX/XXXX showing the current loan status for each loan and it states " claim paid '' but this is not what is showing on my credit report as of date. These loans are beyond the 7 year reporting period, no payments have ever been made by me for any loan. I dont have a contract with AES and never have held a contract with them regarding these loans. My credit report payment history legend is incomplete and missing payment data.
Product: Credit card

I am writing in because I have been XXXX XXXX XXXX  since XXXX. I applied for my American Express Platinum card I believe in XXXX. I was approved, for my occupation I put XXXX XXXX. That same time I called to have it verified that I was XXXX XXXX. 
In XXXX I applied for the XXXX XXXX card. Then I was told I will need to apply to have XXXX attached to my cards account. The XXXX was approved and attached to the XXXX XXXX card, however, I then tried to make sure my Platinum card was verified, it was not verified. I than applied to have SCRA/MLA applied XXXX XXXX separate occasions. In XX/XX/XXXX I applied and was told my requested was not submitted because they could not verify I was XXXX XXXX. I resubmitted the application in XX/XX/XXXX XXXX and again in XX/XX/XXXX XXXX both were denied. One of the reasons I was told over the phone is that I was denied because it took longer than a year to apply for SCRA/MLA . How is it possible to justify that a member who has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  years can be told they dont qualify. I have provided orders, Leave and Earning statements as well as my MLA certification letter. During this time I have been charged 40 % in interest on my American Express Platinum and the annual fee of {$690.00}.

I have spent over a year trying to only get my SCRA or MLA benefit added to my card and i just continue to receive the run a round from American Express. I just need help. 
How can American Express market that they are XXXX  friendly and this is what I have been going through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DIDNT GIVE THESE COMPANIES AUTHORIZATION TO RUN MY CREDIT REPORT. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX