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

Equifax refuse to properly investigate accounts on my report which is now in my opinion fraud. 
XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX I've ask for and investigation multiple times, Equifax never sent me any notification of dispute nor results.
Product: Mortgage

In late XXXX I refinanced my home loan with XXXX. My first payment was due on XX/XX/XXXX, which I paid early to ensure it was effective on XX/XX/XXXX. I was later notified that my mortgage was sold/transfered from XXXX XXXX XXXX XXXX XXXX XXXX ) to Mr. Cooper on XX/XX/XXXX. I don't know the exact date, but in mid XXXX Mr. Copper started showing my mortgage was past due on their website and in letters to me. I called to explain I paid my XX/XX/XXXX payment to The Money Source and asked how I could help get this corrected. I was told there was nothing I needed to do and that there was a 60 day grace period. On XX/XX/XXXX I receive a letter in the mail from Mr. Cooper stating I was in default for being over 30 days late and offering me options to short sell my home. I immediately called and was sent through the debt collection department as part of trying to clarify that I believe it was a mistake. After being asked about if I was in financial trouble, asked for additional personal contact info, they eventually acknowledged the payment was received and I was not in default. They then proceeded to offer me options to buy additional services through them. It is wrong that a mortgage company would notify a client that their mortgage is in default and past due during the first 60 days after a loan is transfered/sold when payments were made on time.
Product: Credit card or prepaid card

I was charged by Best Buy for Enhanced Debt Protection, which I never agreed to sign up for. Since XX/XX/2018, I have been charged a grand total of {$240.00}. Attached are the statements which show this charge.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document.
Product: Checking or savings account

My business accounts for XXXX XXXX XXXX, and XXXX XXXX XXXX. were closed at PNC Bank on XX/XX/2019. 

The funds in the accounts for XXXX XXXX XXXX. were {$19000.00} not including the {$21.00} they charged for a service charge for period ending XX/XX/19. I've never paid a fee like that before. It was taken for what reason I do not know. The funds for XXXX XXXX, XXXX. have still not been received. 

The funds for XXXX XXXX XXXX. were {$40000.00} not including the {$78.00} service charge that I was charged for again, I have no idea. I've never paid that before. 
the funds for this closed account have still not been received. 

Today is XX/XX/2019. Amost an entired month without my money.
Product: Checking or savings account

On XX/XX/XXXX, Ally Bank sent a cashiers check for {$13000.00} to the wrong address. On XX/XX/XXXX and XX/XX/XXXX, Ally Bank advised they would not return the money without a legal document which I am unable to provide due to an approximate cost of {$500.00}. I am requesting my {$13000.00} refunded to me without fees as Ally Bank has admitted fault in sending the check to the wrong address.
Product: Debt collection

Account XXXX was included in my bankruptcy I do not owe this bill.
Product: Debt collection

I sent an email requesting the following information : Can you provide detailed information about the debt being collected, including the original creditor 's name, account number, and the date the debt was incurred? 
How much is the total amount being claimed, and can you provide an itemized breakdown of the charges and fees associated with the debt? 
Can you verify the accuracy of the personal information associated with the debt, such as my name, address, and Social Security number? 
Can you provide documentation or proof of ownership of the debt, such as a copy of the original contract or agreement? 
Have you validated the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), including providing verification of the debt upon request? 
Can you provide a detailed history of the debt, including any previous attempts to collect and communications regarding the debt? 
Are there any inaccuracies or discrepancies in the collection report that need to be addressed? 
Can you explain any charges or fees that I don't understand or that seem excessive? 
Have you reported this debt to any credit bureaus, and if so, can you provide information on when it was reported and to which bureaus? 
What steps can I take to resolve any errors or disputes on the collection report, and what is your process for investigating and correcting inaccuracies? 

The email address, along with another alternate email address has my address blocked so I can not communicate with them to resolve the debt after verifying the information of the collection
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX Amount : XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXX - XXXX XXXX XXXX XXXX on XX/XX/XXXX Amount : XXXX I've reached out to these companies and have not received any type of feedback.
Product: Money transfer, virtual currency, or money service

Okay so I was involved in what I thought was a XXXX with a XXXX He met me in XXXX in XXXX in XXXX. I thought it was random but at the time I just got out an another XXXX with a person who I also believe scammed me. Im starting to now realize if a XXXX asks me to send money overseas to leave that so called XXXX. Fast forward to XX/XX/2023 he started asking me to send money to his XXXX through XXXX because his XXXX used all the money for his XXXX XXXX XXXX and hes away in the XXXX so he cant use his card where he is he is in another country. Which didnt make sense to me because I still used my card when traveling out of state. Fast forward he started asking me to send money often from XXXX - XXXX and if I can calculate Ive sent close to XXXX in total. Last month he tried to and me for money again. This time he said he traveled to XXXX when he came back for on duty in the XXXX. He said he used all his money he sent with him to XXXX to finish some building he had being built in XXXX. I didnt give him money this time through XXXX XXXX because at that point I realized he could be scamming. So I kept asking for my money back and he said relax he will give it back XX/XX/XXXX of this year and he never did. He blocked me days. Before the XXXX and that when I noticed this person was a scammer
Product: Vehicle loan or lease

I purchased my vehicle brand new in New York State had a loan with Flagship Credit Acceptance. I chose gap insurance at the time of purchase. My vehicle was in a total loss accident XX/XX/2020. My insurance company issued payment to them for {$10000.00} which would leave me responsible for the remainder of the loan of {$5800.00}. The company is saying I do not have gap insurance. I have a copy of my original signed contract by me and the dealership with the box clearly checked for gap insurance, my dealer does as well. According to my dealer in New York State it is included in your contract with your loan from your finance institution if you opt for gap insurance. Both myself and my dealership have contacted XXXX numerous times. There is either nobody available in the insurance department or we get XXXX in the loan department who basically said just dont pay the remainder of the loan because Flagship really never goes after people legally for the balance owed!! When asked about my credit report he couldnt guarantee that it wouldnt be affected. I am getting nowhere with this company and they are breaking the law holding me accountable for a balance on a loan I have gap insurance on. I cant seem to get anyone who knows anything about gap insurance in New York State.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly investigate an account on my credit profile for XXXX XXXX, XXXX this is not my account and I have never had an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account is closed and thee collection company keeps reporting it as new and updating late payments every month. no one has sent me proof of the balance reported is correct. It is affecting my credit report by showing as active and open. It should be a closed collection account. The credit reporting is incorrect.
Product: Credit card

I opened my line of credit on XX/XX/XXXX. I never received a credit card in the mail. 
I still do not know my account number or have a physical credit card from Old Navy. 
Today, XX/XX/XXXX, I received a statement for a balance I had already sent payment for on XX/XX/XXXX. The Barclays company said they did not receive payment. I gave them the account number and had XXXX  XXXX XXXX on a three way call. My bank representative tried to offer proof of payment to the creditor. They did not want proof. The representative from the creditor told the bank representative that she could leave the call and that she would handle the situation. Again, the bank representative offered to send proof of the payment. Again, the creditor representative declined. I told the creditor representative that I wanted the bank representative to stay on the line. At that point the creditor representative said a case will have to be opened. I confirmed I wanted that action to take place to handle the dispute. The creditor representative said she could not do that she did not have access to place a dispute. The creditor representative transferred me to someone who could. I was sent to XXXX, another creditor representative. He opened the case but again refused proof of payment from my bank representative. He said it wasn't necessary. He made the case and indicated that it will take 1-2 billing cycles to resolve. I asked about late charges and interest fees. He said I would have to call back to resolve that later. 

My case # with Barclays is XXXX My case # with XXXX XXXXXXXX XXXX is XXXX This is not the first problem I have had with Barclays. I have a Carnival credit card. They charged me {$6.00} more after I had paid all of my balance off. I was told that the interest accrued on the balance because it was a day or two before the payment posted on their end even though the payment was before the due date.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 
XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX .
Product: Mortgage

I sold my home and closed out my loan with Home Point Financial on XX/XX/2016. I have received documentation from the company that my loan has been paid in full. However, Home Point has failed to refund my escrow account. Four months after paying off my loan, the company owes me {$3100.00} in escrow refunds. I have contacted the company repeatedly to obtain these funds and Home Point acknowledges that it owes me this money. However, the company claims that they have mistakenly been mailing the escrow refund to my old address, despite my many and repeated attempts to update my mailing address. I have called customer service over and over again, and every time I call them they claim that the address update did n't go through and they somehow mailed the check to the wrong address, but they will absolutely correct the mistake, cancel the old checks, and expedite the mailing of a new check to my current address. The last time I called them and received this story was a month ago, and I still have not received the refund check. Nor have I been contacted by the company. 
After so many attempts on my part to obtain these funds from Home Point Financial, I believe that the company is acting in bad faith and is attempting to withhold the escrow refund that I am due. It is now months late and there is no reasonable excuse for the company 's failure. I will be very grateful for any assistance that the CFPB can provide. Thank you!
Product: Credit reporting

This place evicted me at the balance of XXXX and after that i called to see what ha pendwith my balance how do i pay it and they told me the balance is XXXX and i was out raged after 2 weeks i called back they told me the balance was XXXX now how is that POSSIBLE I LOST MY APARTMENT AT XXXX AND THEY KIP CHARGING ME AFTER AM GONE OF THE APARTMENT THAT 'S JUST IN SANE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Act. # XXXX. No phone number listed on report, to verify the said debt listed on my credit file. I have also sent a copy of my state issued I.D and a copy of my Social Security Card to assure it is me who is requesting the information. In accordance to the FCRA 605B. XXXX still will not block, verify, validate or remove this negative information. This has gone on for several months and they continue to use a system none as XXXX to parrot information from the original creditor. I have not received a original instrument of indebtness other than a bunch of invoices with no signature of mine. Yet XXXX still is asking for more information and refuses to delete this information. I have been a victim of Identity Theft before and had to go through the same thing back in 2014 and this is around the same time this debt was created.
Product: Credit card or prepaid card

I called the company to dispute an Transaction that was done on my business credit card. I advised the company that I did not make that purchase. This purchase was done back in 2018 for the amount of {$10000.00}. The company was investigating my complaint. They gave me back the credit while they investigated. They investigated for a whole year and then came back with the results that I made the purchase because of a credit that was given to me. I advised them that I did not make this purchase.I was not aware of a credit that was credit to the business card by this particular company. I did not know of this company in question.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX because has failed its legal obligation under the the Fair Credit Reporting Act ( FCRA ). XXXX failed to properly investigate my disputes regarding inaccuracies in my credit report. XXXX failed to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing evidence of a thorough investigation. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requiring immediate corrective action, as Experians in action violates federal law and my Consumer rights. XXXX practice violates the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal Law. 
The Accounts to be Removed below Disputed Accounts/Account inaccuracies : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX
Product: Credit card

how do i get credit card companies to stop sending me " balance transfer checks. '' despite having called all of my credit card companies and told them to stop sending me all balance transfer offers, i am still receiving them from XXXX and from citi. is this a common practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Credco to investigate 2 hard inquiries on my XXXX  and XXXX  credit report and they found that the inquiries were to be removed since XX/XX/2017. Credco and I have fax and mailed numerous letters to remove credit inquiries ie Credco  ( XXXX XXXX ), Credco  ( XXXXXXXX XXXX XXXXXXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score
Product: Credit reporting or other personal consumer reports

I filed a dispute with Transunion because an old delinquent account remains on my credit report past the time it shall remain on report. This account went delinquent in XXXX and closed XXXX. According to Transunion, their site states Closed accounts stay on your report for different amounts of time depending on whether they had positive or negative history. An account that was in good standing with a history of on-time payments when you closed it will stay on your credit report for up to 10 years. This generally helps your credit score. Accounts with adverse information may stay on your credit report for up to seven years. Its almost been 9 years. This is not an account in good standing. I disputed this because this is an error, I should not have to fight to have this fixed, especially when they state themselves 7 years since the account became delinquent. I have been very responsible since this and its a shame they cant fix their error. I appreciate any help in the matter.
Product: Debt collection

I asked ARS for a debt verification certified mail with return receipt and they resent me the same information without proof the debt was mine. I sent a second verification letter and they resent me the same information no change. I decided to file a case with the XXXX XXXX XXXX and they sided with me. I sent this information to ARS and they resent me the same information. I will now forward a cease and desist letter to them as well as a report to the consumer financial protection bureau.
Product: Credit card or prepaid card

I asked capital one bank that they had a problem with their online banking system to pay my bill but I got penalized for their mistake and they restricted my account from making purchases then i was told by a supervisor that the restriction might be taken off never happened at all I been with them for 4 years quick silver credit card
Product: Debt collection

I got a call from XXXX. 
They told me they had my Citi Platinum card debt, and confirmed the last four numbers of my SSN. 
I told them I had no Citi Platinum Card, and that my current Citi Credit Card account was in good standing. 
She replied with, " did you lose your job in 2014? '' and " are you flat out denying that this credit is yours? '' I asked her for further identification and documentation -- she said I had already been provided with it. 
She said they were " coming after me for {$48000.00}. Good Luck with that! '' and she hung up the phone. 

I tried to call them back, and the number is " not in service. ''
Product: Credit reporting or other personal consumer reports

Hello XXXX, I hope all well. I was appalled today when I login into my credit report and saw multiple unauthorized inquirys. Please see below the unauthorized inquirys. 

XXXX - Unauthorized Hard Inquiries Merchants XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Debt collection

1. Eastern Revenue inc Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} Date open : XX/XX/2023 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX creditor : XXXX Balance : {$320.00} Account : XXXX XXXX. XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Balance : {$970.00} Account XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX : {$360.00} Account XXXX XXXX XXXX All report different on my credit reports.