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

This letter mailed to EXPERIAN explains the problem Personal Information on this letter was deleted as instructed on by consumer finance.gov website MAILED LETTER CONTENT BELOW XX/XX/2021 TO WHOM IT MAY CONCERN AT EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Associate I need help resolving the issue below since.. 



When I logon to Experian.com/ freeze & request to have my Credit XXXX XXXX permanently I get a message that says I HAVE NO FREEZE ON MY EXPERIAN ACCOUNT However, when XXXX XXXX XXXX XXXX who is the bank handling my mortgage Refinancing ) checks my credit they say it shows my EXPERIAN XXXX IS FROZEN & can not be viewed My personal details below FULL NAME XXXX XXXX XXXX PERMANENT HOME ADDRESS FOR PAST XXXX years XXXXXXXX MOBILE # XXXXXXX EMAIL ADDRESS XXXXXXXX It is ridiculous that I CAN NOT REACH ANY LIVE EXPERIAN XXXX at all the # XXXX I have located for EXPERIAN XXXX the XXXX & other sources including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please call me or email me or TEXT me ASAP & help me get this issue resolved A very frustrated, dissatisfied Experian customer XXXXXXXXXXXX
Product: Mortgage

I filed for bankruptcy XX/XX/2021, but I continue paying my mortgage on time and they accepted it. But on XXXX bill, they wont let me pay online just like before so I paid by phone and only asked for {$1400.00} instead of my usual payment of {$1400.00}. Then on XX/XX/XXXX, they said I have to pay an additional {$14.00} to complete my mortgage payment for XXXX. On XXXX bill, I was able to pay online again, but this time, it has an additional fee of {$20.00} for property inspection. Then today, XX/XX/2021, I saw an additional fee of {$320.00}, said its for attorneys fee and property inspection fee again. I asked if I get charged property inspection every month, she said shell transfer me to the bankruptcy department who dont pick up the call. I started calling at XXXX am XXXX time because they are based in Texas. I was very stressed because of frustration. The last call I made today was at XXXX am XXXX time, still no answer. I called XXXX in California but referred me to you as the mortgage loan server was Federally insured or licenced. I dont want to be late in my mortgage payment but I cant afford to pay the additional {$320.00}. I appreciate any help you can give. Thank you
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 have disputed the reported information and notified several times of the inaccuracies, inconsistencies across reporting agencies and fraudulent duplication. See attached from my XX/XX/XXXX credit report. I was not notified of debt prior to reporting by Ability Recovery to credit reporting agency which is a violation of my right to validate and verify prior to continued collection efforts.
Product: Debt collection

XXXX helped me get a lump sum payment. For the amount of {$300.00}. This payment would settle this debt. This a paid in full payment.
Product: Credit card or prepaid card

I sent two wire transfers to America Express via their wire payment directions on their website. I had attempted to make a large purchase, but given I am a new XXXX  card member, they stated I would need to pre-pay to run such a large amount ( {$150000.00} ) if I wanted the points from using my card. 

The money has exited my two accounts ( both $ XXXX and $ XXXX transactions posted XX/XX/2022 ) but the payment never posted to my AMEX. Originally, customer service told me the wire would post in XXXX hours. I was then told by a different customer service rep that it would take 7-10 working days. It has now been 22 days, and there is no trace of the money in our AMEX account. We have opened a formal dispute, per AMEX request, with no progress yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've sent a letter to the credit bureaus to correct this erroneous information. I will file a lawsuit against you because I think you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm discussing it again. 
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/XXXX
Product: Student loan

XXXX, XXXX, XXXX have been trying to make additional loan payments to principal since XXXX 2014. Navient has continually made processing errors ( including not making payments recurring as directed and promised and not making payments in the proper amount ) and providing incorrect information regarding manually making additional payments. This has resulted in a continual halt on progress in paying down my student loans, which the company takes no responsibility for. The representatives will apologize for previous errors, but will not take actions to retroactively correct them ; although they promise to " personally monitor '' future payments, I never receive the in-writing confirmation that they promise. I have also requested documentation including my XXXX and loan disclosures be sent, which I 'm told has a XXXX day delivery window via USPS. To date, I have not received these documents and have just made another request for them today. 

Most recently, I was advised that if my billing due date is on a weekend, I should schedule an additional principal payment for the first business day following as their online system does not allow scheduling payments on a Saturday or Sunday. Following the representative 's instruction resulted in two days of accrued interest taken out of my additional payment ( due date Saturday XXXX. payment scheduled for Monday XXXX ). The supervisor I spoke with today sent in a request that my payment be made effective on XXXX as I was given faulty information, but can not guarantee that any action will be taken. I was advised instead to schedule additional payments on the Friday before any weekend due date, although this may still result in accrued interest charges. 

Each time I have to call Navient I can count on at least 45 minutes to an hour or more of my life wasted. Navient engages in shady business practices that not only waste my time and money, but also appear to be illegal ( if not absolutely immoral ). I have no recourse other than to continue wasting my time and energy with a customer service department that is inept, uninformed and makes " promises '' and " guarantees '' that they do not keep. 

I have a record of most of my calls since XXXX 2014, including names and promises made.
Product: Credit reporting or other personal consumer reports

On Saturday, XX/XX/XXXX, I filed a complaint with Equifax to dispute an old entry still being on my credit report after the account had been paid and closed for over XXXX years. The entry is : XXXX XXXX, which was closed, in good standing, in XXXX XXXX XXXX ... .over XXXX years ago ... .and should have been removed in XXXX XXXX XXXX. This was at least my third request to have this entry removed since XXXX and Equifax continually refuses to remove it. On XX/XX/XXXX, I received a letter from Equifax, where they for the third time, REFUSED to remove the old and obsolete entry from my credit report. Also, I requested that a second entry be removed, which Equifax also refused to remove. An erroneous employment history reported on XX/XX/XXXX ... .I have never been employed by XXXX XXXX XXXX XXXX .and I have never heard of this company. Equifax is the most dishonest and corrupt reporting agency that consumers have to deal with. Surely there is something that the government can do to change this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account. I am disputing this again however I am including new information not previously sent in a dispute. The account I am disputing is XXXX XXXX  XXXX. The new information for this dispute is the following : XXXX XXXX is reporting 23 months of charge offs. That is incorrect. The status of this account reporting is incorrect. In addition, this account is also too old to remain on my credit report. Identity documents, including valid photo ID and address verification, have been submitted to this complaint.
Product: Credit card or prepaid card

In early XXXX, Bank of America sent out two promotional balance offers. One was a 0 % interest rate balance transfer good through XX/XX/XXXX and the other was a 1.5 % balance transfer good through a certain date. I used the 0 % offer check for {$30000.00} to cover repair costs for a XX/XX/XXXX flood that is currently on my home equity line of credit. 

I accessed my online Bank of America account on XX/XX/XXXX to discover a {$1200.00} check transaction charge. After calling Bank of America 's customer service number, the agent explained that a 4 %, or {$1200.00}, transaction fee was assessed for this balance transfer. In order for Bank of America to reverse the 4 % transaction fee, I had to pay the {$30000.00} transfer back today, which I have done. I will have to call back tomorrow after the payment posts to ensure that the transaction fee is reversed. 

This offer is predatory and misleading to consumers. Most people who take advantage of these offers will not be able to pay back the loan immediately and are assessed a fee higher than the typical credit card transaction fee, which typically average 3 %. Please make sure that consumers are protected from false advertising on balance transfers.
Product: Debt collection

Several years ago, approximately 2012, I took out a payday loan to help cope with a medical emergency. I had made payments for several months. I believe I repaid at least the amount borrowed or came fairly close. Regrettably due to the continued medical issue and resulting limitations on work, I was unable to continue paying the loan. Subsequently, My family in XXXX and XXXX were contacted by a collection agency regarding the debt. At XXXX point, my brother in XXXX had his dog threatened by the collection agency. My niece in XXXX was called countless times. She reports that the collection agency threatened to take her home. They cussed at me and left messages with cursing actions. To be honest, I am not sure if they actually threatened law suits because the language became quite escalated. I remember leaving with the distinct impression that they were discussing a legal liability. My bigger concern however is the threats to my family and the abusive language. In order to get them to leave my family alone, I contacted the agency and set up a payment arrangement. At this point I contacted a financial counselor who cautioned me that this loan may be of questionable legal standing in XXXX. Consequently I postponed payment and requested information from the agency regarding the debt. They denied that they had to provide any paperwork about the situation. I contacted the original creditor and they told me to contact the collection agency. I attempted to request the mailing address for the collection agency and they refused to provide the information. I called back with my financial counselor and they also refused to provide any of the information we requested. Even the company name was not disclosed. They may be XXXX XXXX or they may be collecting for XXXX XXXX. They identified themselves as XXXX but would not clarify if they were a department of XXXX or a separate company. It was at this point that I reached out to the CFPB.
Product: Debt collection

The basis of my complaint is an attempt by a debt collection agency to collect an invalid debt based upon a charge by an insurance company that was never authorized and was made against my express written instructions to it for. 

I previously had my auto insurance with XXXX XXXX, a XXXX XXXX XXXX. My auto insurance policy with XXXX was set to expire XX/XX/2020. I received a proposed renewal billing statement dated XX/XX/2020 that showed a huge increase in my auto insurance premium. After unsuccessfully attempting to resolve this with XXXX, I obtained auto insurance, effective XX/XX/2020 with a different insurance company, XXXX XXXX XXXX. 

I informed XXXX  in a letter dated XX/XX/2020 that I would not be renewing that auto insurance policy ( or any of my other policies with XXXX  ) and that my auto policy with XXXX would expire on XX/XX/2020 without being renewed. 

XXXX ignored my instructions to let the auto policy lapse. Instead, without my authorization, and against my written instructions, XXXX took it upon itself to renew my policy with them even though I had informed them in writing that I had obtained different auto insurance coverage and that my policy with them was not to be renewed. 

XXXX then turned the matter over to a debt collection agency, Credit Collection Services, which has sent repeated unjustified debt collection letters to attempt to collect this invalid debt. I have repeatedly responded to Credit Collection Services but that entity has repeatedly refused to even acknowledge receipt of the written proof of insurance cancellation that I provided to it. Instead, I have received numerous dunning form letters attempting to collect this invalid debt. 

Enclosed with this complaint are copies of all of the relevant correspondence concerning the attempted enforcement of this invalid charge by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts before, all to no prevail. The credit reporting agencies either put a remark on unauthorized accounts and/ or response stated " account verified ". Verified by whom?, and how, when and what certified documentation used to equate to your remarks and findings. I'm demanding the Method of Verification used in the process of this dispute, if this can not be provided then as stated within the literature of the FCRA these shall shall be blocked immediately. The disputed accounts are, ( 1 ) XXXX XXXX   {$0.00}, ( 2 ) XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX XXXX   {$2600.00}, ( 4 ) XXXX XXXX XXXX {$0.00}, ( 5 ) XXXX XXXX XXXX {$0.00}, ( 6 ) XXXX XXXX/ XXXX, ( 7 ) Bankruptcy XXXX, {$0.00} Identity has been compromised please remove
Product: Mortgage

Flagstar Bank is my current mortgage servicing company and they are showing me as having made late payment during XX/XX/XXXX and XX/XX/2016. I have received a letter from Flagstar Bank research department in which they state this was a mistake on there part. I would like Flagstar to resolve this issue ASAP and report my payment history to reflect as current and no late payments. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and seen inaccurate information on it I've called and mailed letters and nothing has been done to remove the inaccurate account I spoke with an agent who stated that Equifax does not investigated account they just mark them as accurate Equifax shows Multiple Accounts that is not accurate and Multiple Hard Inquiries and personal information is not accurate as well they have not responded to any letters and it been three months
Product: Credit card or prepaid card

Chase closed two credit card accounts of mine that I rely on for everyday purchases and my own survival. I had reported fraudulent activity on my account because my identity had been stolen at the beginning of the year. They closed both of my accounts that I have never missed a payment on. Chase said they closed both of my accounts because too many inquiries on my report as well as unusual activity. Attached to this statement if a FTC report supporting my claims that my identity was stolen.
Product: Credit reporting 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. 

Account Name : Unknown Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 convict
ions 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: Checking or savings account

My Chase checking account is closed on XX/XX/2024. I called several times with chase customer service, trying to get why this happened, but the answer is my account is under investigation and being closed. Right now, all I want is getting my XXXX XXXX back.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to : XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I was not allowed to see any of the cars except the car that was sold to me, a XXXX XXXX XXXX. I had requested buying a car that the payment would be under $ XXXXmonthly because I am on a fixed income. I was told that I could afford that car which was $ XXXXmonthly and that was the car they sold to me. The finance person, XXXX XXXX, became angry when I asked how much the finance charge would be. and the payments. He didn't want to be interrupted while having me sign the paperwork. Two days later I tried to return the car because of the high monthly payment, the high interest rate, and the car started having mechanical problems the 2nd day I had the car. The manager, XXXX XXXX ( XXXX ) told me I could not return the car 2 days after buying it, because it was a binding contract. I had gone to an outside XXXX  certified mechanic shop on day 3 when the steering wheel started shaking and vibrating on day 2 of ownership. I paid {$60.00} for a diagnostic test and XXXX  XXXX gave me an immediate list of things needing repairs and totaling {$3100.00}. XXXX XXXX said I bought the car as is and said " She wasn't going to step on the toes of her mechanics '' who gave their clean bill of record on the mechanics of the car. I found out later that they have a 30 day policy to fix needed repairs during the 1st 30 days of ownership. They hid this information from me. The only thing on the list that they repaired was grinding down or resurfacing the brake rotors. 
I just found out last week in XXXX, XXXX, one year later, that the first 2 years of payments go 100 % to interest, nothing to principal. So, I paid them approximately {$6000.00} in interest this past year on a finance of $ XXXX.If I pay them another year, I will have paid them {$12000.00} in interest on a XXXX finance. That's almost 100 % profit for them in 2 years, not to mention, the existing remaining 42 payments.I found this out when I went back to hopefully sell the car back to them last week. When I went in to discuss them buying back the car, they devalued the car from over {$15000.00} a year ago, to {$7500.00} this year, XX/XX/XXXX. I told them the XXXX value was either over valued last year when I bought the car, or the current XXXX value was way under value. The subject was changed and I left without selling the car back.
Product: Debt collection

Back in 2019, XXXX allowed someone to establish an account for their services using my SS # despite the fact that my credit was locked with all three credit bureaus. I received a notice from a debt collector and after many frustrating months of poor communication and service from XXXX, we believed we had the issue resolved. Now, today I received a notice from a new debt collector about this exact same situation. XXXX, so far, has been completely unresponsive. I am beyond frustrated. Ironically, I have an account with them and have for the past XXXX years. They are totally incompetent.