23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is about my mortgage company NewRez. I found a better price for homeowners insurance. The policy went into effect XXXX. They decided to add flood insurance in the escrow account also. Someone missed the documents from Fema. I have sent the documents 3 more times since then. Even certified. I called again today XXXX and they still have not removed the flood insurance. I have a letter stating from XX/XX/XXXXthat they determined that I was not in a flood plan and would fix my escrow account. I have been over paying my house payment for 10 months now and still can not get this problem solved.I am promised every month that this problem will be resolved and my money will be returned. They owe me hundreds of dollars and still refuse to fix my escrow account. Unbelievable. Can you please help me with this matter. 
Thank You
Product: Checking or savings account

I filed a dispute of transactions that were NOT approved by me or done by me or any authorized user of mine which is only me. The Wells Fargo claim number is : XXXX totaling {$12000.00} which was denied. I appealed and it was denied again. This is my HARDWORKING money that I need back. Wells Fargo claims in the appeal denial that it was authorized by me or someone authorized to use my account. This is 100 % false. I never in fact did any of these transactions. Im not sure what else to do to hopefully get my money back so this is my last resort. I will also be changing banks from now on if this does not get resolved with them.
Product: Credit card

XXXX XXXX XXXX XXXXXX/XX/XXXX balance was paid off, they sent a letter saying my debt was settled, I have a email stating, money was taken from my account. * XXXX XXXXXX/XX/XXXX {$0.00} balance don't know why it's on my account.account charged off. * XXXX  account charged off XXXX? XXXX XXXX XX/XX/XXXX status closed, why still on my report -paid closed. {$0.00} balance. * XXXX XXXX XXXX XXXX {$0.00} balance paid in settlement. * Midland Credit Management XX/XX/XXXX collections account.
Product: Debt collection

THIS ACCOUNT HAS BEEN REPORTED ON MY CREDIT REPORT. THIS IS NOT MY ACCOUNT. MY IDENTITY WAS STOLEN. I HAVE NOT HEARD ANYTHING FROM THE CREDIT AGENCY, AND I FEEL LIKE IM BEING IGNORED. I CONTACTED THEM ON XX/XX/2021 AND I STILL HAVE NOT HEARD ANYTHING.
Product: Credit reporting or other personal consumer reports

On XXXX, and EQUIFAX XXXX account stating my business called XXXX XXXX XXXX XXXX owes monies is fraud!!! 
XXXX  was the account, also XXXX sends a XXXX of the account {$0.00} balance as of XX/XX/2024
Product: Credit reporting or other personal consumer reports

This is my 8th endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXXXX/XX/year>
Product: Debt collection

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Checking or savings account

On or about XXXX of XXXX, I started an online checking account with XXXX. and received funds to the newly opened account ( no issues ). On or about XX/XX/XXXX I was arrested and detained ( pending post trial/unrelated ) and was released XX/XX/XXXX. Upon my release I contacted CHIME inquiring about my funds that were depleted from my account in the amount of {$4900.00} to no avail. Upon filing a dispute claim ( # XXXX ), CHIME personnel refused to investigate my claims, update email address, phone number, etc. While speaking with personnel the services received was unprofessional, unethical and criminal. I'm seeking assistance demanding the return of misappropriated funds by CHIME in the full amount of {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00}. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$730.00} XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I requested a credit limit increase XXXX XXXX XXXX  from the Navy Federal Credit Union. I asked NFCU to increase the credit limit on my Flagship credit card and to raise the maximum amount of credit I could use on my card for an upcoming trip. This usually involves a credit check, but I was summarily denied an increase. Upon receiving the denial letter, I called the credit card company to plan some travel or significant purchases that could cause me to bump up against my current limit. Naturally, I expected the NFCU to check my credit report at XXXX or more major credit bureaus. The reason for denial was listed as Delinquencies on my credit card account with NFCU. Upon further investigation, I found that I had no XXXX late delinquencies and was denied based on the company 's internal policies, which they could not provide. The adverse action that NFCU provided did not comport with the XXXX major credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00} Account Name : XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00}
Product: Vehicle loan or lease

Downing town XXXX used ally financial to finance my loan. Loan agreement was changed after paperwork was signed and I went to the bank to get down payment. I was not allowed to leave the dealer as the workers would not let me. And demanded I stay till paper work is signed. Finally I was let go to the bank to bring a {$2000.00} down payment which did not go towards my car after associate stated it would. The company ally financial then reported recently a XXXX day late penalty to XXXX yet this is incorrect. 
Im accordance with the fair credit reporting act this has violated multiple of my rights and I will continue to take actions further with an auto attorney if this is not fixed within XXXX days. Either the late payment on my credit must be removed or this investigation will further with notarization. 
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I checked my credit report and noticed a collection account on my TransUnion XXXX have always kept my accounts in good standing and still continue to do so. This is why it came as a big surprise to me when I noticed a collection on my Transition report, which was placed there by XXXX XXXX COLLECTION and reported by TRANSUNION. The snapshot shows that the account status is open, but how can an account be placed as collection if the account is still open? It informs be that the original creditor is XXXX XXXX, and the date opened was XX/XX/2021. I have sent multiple verification, and dispute letters to TransUnion to look into this issue and resolve it but they continue to send me stall tactic letters every time I sent them another letter. 

Transition letters that they send me reads as followed " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path towards credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process request unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TRANSUNION credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any. company. Find out more about how to manage the information on your TransUnion credit report at TransUnion.com/repairletter. '' These are the same kind of stall tactic letters they continue to send me refusing to look into my credit report and help me remove this account that was either illegally opened in my name or mis reported on my credit report. Please help me CFPB, they have no choice but to respond to CFPB by law because they definitely are not following the laws when it comes to us consumers.
Product: Student loan

After having my husband 's tax return seized I contacted the department oof education today to find out that my student loans are in default and with a debt collection called Coast Professional Inc whom I've never received any mail or voicemails or emails from. They have had my account for a year and documented that they only sent me one piece of mail almost a year ago. They said they have called my phone but it's against their policy to leave a voicemail message. I have no records of their numbers calling me within in the last few months. I received no notice that our tax return would be seized. I am a XXXX XXXX XXXX mom who XXXX and I have no income and no access to my husband 's income or information. XXXX XXXX XXXX has stated that the only way they will allow me to do the rehabilitation program is to give them very detailed information from what my dental and hospital bills are to my cell phone bills to everything including everything about my husband. This is not his debt, only mine and I will not provide them with any information. I want my loans released from Coast Professional Inc and transferred to XXXX where my other student loans are current, on a repayment program, and I have maintained contract with for months now after completing another rehabilitation program without my husband 's information. When I asked to have my loans released to XXXX they tell me to call the department of education. When I call the department of education they tell me to call Coast.  I need help desperately to resolve this issue. I'm very willing to make payments even without having an income but I can not do so if they won't even allow me to sign up for their program.
Product: Debt collection

they are contacting my job and family members threatening me that they would come to my job for a loan that has already been resolved.
Product: Debt collection

Security Credit posted collection to my credit report. I tried to contact them directly, only goes to voice mail. Then they stated harassing via phone ( the number I used to call them ) I pulled my credit report 60 days ago they were not listed. Now my credit score has plummeted.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have been dealing with XXXX pertaining to a credit card account that is reporting incorrect/inaccurate information on my consumer credit report ( s ) across XXXX, Transunion & XXXX. This account was closed after XXXX and it is reporting late ( s ) for XX/XX/XXXX & XX/XX/XXXX 30 & 60 day consecutively when this account is XXXX balance and it is not even open. Additionally, there is a 30 day late in XX/XX/XXXX when this account wasn't even open then as well it was closed in XXXX. I spoke with the company representative ( s ) and they are unable to locate the account and on top of it I received a letter from this corporation on XX/XX/XXXX that said that the account is correctly reporting to the account ending in XXXX that they said is incorrect and not from them the representative on the phone said they do not recognize the tone and context of the letter. This is a very frustrating experience over the last 2 1/2 months dealing with this as not only is the creditor clueless to the details of the account they are reporting wrong information on my credit bureau which is severely hurting my credit for the worse. My score has dropped over 50 point ( s ) with the addition of these new wrong late ( s ) and the fact they told me they would look into this and remove these late ( s ) from XXXX, XXXX, XXXX & XXXX however, they can not find the account is frustrating and this financial institution holds on accountability. Reaching out to the CFPB is my last attempt to resolve this with the creditor as I am going to file a suit in my local court and litigate against the credit bureau ( s ) and the creditor as I have notified both of them about the violation ( s ) of their incorrect reporting in which they don't seem to care which has affected me financially and mentally. I am trying to acquire a home and this has severely dropped my score which has affected my personal relationship ( s ) and business relationship ( s ) with this wrong information contained on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed a complaint with the CFPB about the lender for my car loan not reporting my information correctly. I had also filed numerous disputes with each Credit Bureau and filed a complain with the CFPB about the incorrect reporting on my credit report, and the problem has not been fixed. I think the problem lies with American Credit Acceptance ( my auto loan lender ), as they are continuing to report incorrect information. I have tried several times on more than one occasion to work with my lender to ask them to update my credit report, and they have either not responded to me at all nor have they reported my information correctly after numerous disputes with the credit agencies and working directly with them. I have proof that the lender is reporting incorrectly, which I have provided to the credit agencies as well. If this does not change, I will be taking legal action because what they are doing is causing undue financial hardship and causing me to lose future opportunities. What they are doing is illegal.
Product: Debt collection

I received a debt collection notice from Glass Mountain capital claiming that I owe XXXX from a past due account with XXXX XXXX XXXX. This is not my debts, I have never had an account with this bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel bluntly ignored by the bureaus I sent out certified mail to them on XXXX and to this date 60 days later today on XXXX I have not received a response pertaining the disputes that are unverified and misleading and that was placed onto my account without knowing 100 % if it actually belongs to me. I found out that my information was impacted by the Equifax data breach so my information could have landed in the wrong hands. I demand these accounts listed be deleted. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021
Product: Credit card

On XX/XX/, I booked a pre paid hotel reservation on XXXX for XXXX nights at the XXXX XXXX, New York. Total charge was {$2900.00} ( {$2300.00} for room + $ XXXX ) as shown on the XXXX receipt, attached. The receipt also indicated PAID IN FULL. Neither at check in nor at check out at the hotel, during my stay, was I told of any additional charges nor given a receipt for XXXX. 

I was therefore shocked to find a {$430.00} charge by the hotel on my credit card months later. I called the hotel to find out why and they said it was for taxes. I pointed out that I had prepaid taxes as shown on my receipt, and that the reservation was prepaid in full, in advance. The gentle man I spoke to promised to look into it. I also called XXXX immediately and the representative and her XXXX I spoke said there shouldnt be any additional charge as the reservation was fully paid for in advance. A month passed and yet the charge remained and so I called XXXX again and the XXXX told me to stay on the phone while she calls the hotel. She returned and told me the hotel had agreed to refund the money as there never should have been any additional charge. I asked for an email for my records, and she sent me an email indicating same - please find attached. 

I have told all of these to Bank of America but they still wont take the charge off my account and insist I pay it. 

Again, the reservation was prepaid paid in full, never did the hotel tell me I had any outstading charges when I stayed there, I never was given a receipt for any additional charges either. I am therefore disputing the total charge, {$430.00}.
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, XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights.

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. 
ALSO, Please remove unauthorized fraudulent inquiries on my report Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized fraudulent items must be removed from my credit report. 1. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX XXXX  ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX ] Inquiry date : XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

I had an auto loan through Bank of the West that was purchased by BMO bank. After a couple months of falling behind on my payments due to family hardship I realized that I needed to refinance or trade my truck in to lower the payments. The day I was going to trade the truck it was repossessed the night before. I contacted BMO and explained that I had a buyer willing to pay off the truck and asked for them to hold it 10 business days so the transaction could process. They said that were willing to work with me but when u had the dealership contact them for a final payoff amount they told the dealership that they would only take cash or debit card knowing the dealership would send a cashiers check. Im not understanding why if I made the trade a week before they would have taken the cashier check but now they wont. Im trying to avoid having this repo go on my credit and cause even further hardship. There has to be a solution as I have a way to pay the entire amount owed on the truck.