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

I have submitted a previous request regarding the public record on my Equifax credit report to please be removed. The tax lien has been satisfied and I 've submitted documents showing this but Equifax is still refusing to remove it from my report saying that it is listed as " released. '' I am trying to get a house for my children and myself and this public record is hindering me from doing so because it 's reporting as *derogatory '' on my report. I have submitted the satisfactory document to the other credit bureaus and they have deleted this from my report with no problem. I am in desperate need to have this deleted from my report and I am in desperate need of a place to stay!
Product: Mortgage

My complaint against Mr. Cooper Home Loans is that they routinely block extra principal payments and misapply funds. Here is an example of an extra payment on principal being blocked. Ive made 3 phone calls this month to ask for the funds to be applied appropriately and yesterday I spoke with a supervisor, XXXX who said I should be able to make extra payments now. She coded my account to apply extra funds to the principal. 
On XX/XX/19 I paid my lender paid expense over the phone with a representative walking me through the process on the web site. From their drop down menu, I chose how the funds were to be applied specifically to the Lender Paid Expense account but they STILL misapplied the funds! 
Today I went to pay {$500.00} extra, but their web site is blocking me saying that I have to pay my regular mortgage payment first ( I paid it 4 days ago ). 
I was late on one payment in XXXX, ( first time in years ),  and it took multiple phone calls to get them to apply the {$69.00} to the actual late fee that was over the last few months. 
Last year, they mishandled an Escrow shortage payment, ( which I paid on time ). I spent hours on the phone plus sent multiple emails to get those funds applied correctly.
Product: Credit reporting or other personal consumer reports

I had a Chase card - Sapphire ( ends in XXXX ). In XXXX XXXX, I paid off all purchases, and decided to cancel the card because of the high annual fee ( {$95.00} ). When I spoke with a Chase rep ( early XXXX ), I was assured that the fee would be credited. It was not. I called again in early XXXX, and was again told that the fee would be credited, including the late fee Chase charged ( for an item that should have been credited ). Apparently, that did not work either, because on XX/XX/XXXX, I got messages that my credit score changed ( it is typically between XXXX and XXXX ). 
I called Chase on the same day ; spoke with a supervisor ; and had my concerns validated. Chase had not only no credited the fee ( which is forward-looking ) as promised, but then sent derogatory reports to credit agencies regarding the non-payment ( for a card that had been cancelled ). When I spoke with the supervisor, she said that the fee would be credited, but the reports would not be withdrawn. 
This is not only going against the promises Chase reps made, but is an entirely illogical outcome. 
Please, request that the Chase customer service dept. credit the fees, as promised, and retract any and all derogatory reports the bank may have sent to the credit bureaus. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX. **Details of the Disputed Information : ** - Account ( s ) in question : On XX/XX/2023 I notified this agency that I was a victim of identity theft via certified mail and as of today XX/XX/2023 this agency continues to report information that resulted from the identity theft. 

Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX, as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer char the consumer identifies as information chat resulted from identity theft, not later than 4 business days after the date of receipt by such agency of 1. Appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c-2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. 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 an update 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 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: Debt or credit management

Equifax XXXX XXXX is not making enough changes reqardin credit scores monitoringContinue making payments on time.. Time. Payment. Notic credit scores not changin enough.. Then what bein inspected When ever it changes on score. Notice. XXXX nor XXXX points to increase. Notice. Whenever ther scores decrease XXXX XXXX points higher been removed.. How do person like myself. Could ever receive. The increase scores what is. Needed to make. LARGE purchases like purchase homes nor cars. Instead bein constantly denying. Due to Scores not XXXX requirement of purchase then l Noticed on credit report showing no change when read. While l Make in payment on time .credit report in system... maybe government need. To change this things bein monitored how been reported.cause every XXXX bein denied nor refused how this credit reporting system
Product: Credit card or prepaid card

I was checking the balance on my prepaid VanilaGift card at approx XXXX on XX/XX/2022. I clicked on the first website ( it said ad... mimicked the official site ). I put in my card info and it didn't give me the balance ... .i looked closer at the web address and it said Vanillasgift.com instead of Vanillagift.com. AGGHHH I immediately called the number on the back of my card ... while I was on hold XXXX was taken from the card. Finally after about 20 minutes a customer service guy answered to tell me he put my card on hold and that I would need to call back tomorrow to dispute the charge. I asked why I couldn't dispute it now? Don't pay it! He said that's all he could do.End of call. I called back and asked the young woman, that answered after 20 minutes, why do I have to wait until tomorrow? I explained the fraudulent site to her as well. I asked her please to not let the thieves get the money... stop the charge! She said I could call the merchant ( UHHH nooooo! they have a fraudulent website ) She said that the merchant 's name is ANY SENSE ( ouch ) that they are out of Georgia and their phone number is XXXX XXXX XXXX ( careful!!! They are scammers ) She also said to call back tomorrow after they post the charge. I pleaded for them to not pay the scammers. She informed me that they would have to willingly give back the money. AGGHHHH I will dispute the charges tomorrow as they told me to. I can not afford this loss.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CAINE & WEINER COMPANY , INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call XXXX and sent certified mail for them remove the Bk
Product: Credit reporting or other personal consumer reports

A company called Grain Technology allowed someone to use my SSN to obtain money into an account, and upon hiring a company to get them to remove it they simply charged it off as a bad debt. However I don't feel as if I should pay them balance if I was a victim of Identity theft. 

Grain Technology- XX/XX/XXXX  for {$910.00} XXXX XXXX is a credit card company that I once used, I had some late payments due to switching banks and they never updated my account. Once I learned that my account was late I paid it off in its entirety and closed the account. This was an error on their end, but I am facing the consequences for it. 

The account was opened some time in XXXX, however the dates don't match up that report so it is hard for me to get the exact date.
Product: Mortgage

Trying to apply for an equity line of credit from XXXX XXXX  Email on Wed XX/XX/XXXX stated they will reach out, come XXXX XX/XX/XXXX I receive a call from XXXX from AmeriSave, a predatory mortgage company They already had all my information, so thinking they were a branch of XXXX, I went with it Same day they charged me {$500.00} for a lock-in rate XXXX  contacted me and I inquired about AmeriSave, they have no affiliation with each other whatsoever I wanted to start my loan application with XXXX  but ended up with AmeriSave, whom I will NOT continue doing business with, I have not finished the application thankfully but got charged {$500.00} for a lock in rate, which I will probably end up eating
Product: Debt collection

I reached out to this company with a Notice of Validation and a Cease and Desist to verify this alleged debt. They failed to response to any of my correspondence. Therefore, the debt is unverifiable and this company is furnishing inaccurate information. I want them to remove the account from my Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date happened - XXXX Amounts - None Issue - Unable to view the credit report with reason being " subscriber is not in a desired account state '' though the account was active until XXXX. This account active date was confirmed by the Experian XXXX support XXXX. 
XXXX- over XXXX hours of phone call, spoke to XXXX people. 
In XXXX of the call threads, got transferred 3 times to XXXX different people. 
Started with Experian XXXX membership department who claimed the issue had to do with the credit report information ; routed to Experian dispute department who claimed the issue had to do with membership ; then back to Experian membership department who again claimed the issue had to do with the credit report information. 

Called XXXX times again later, one support specialist claimed they could not hear me ; called the next one kept saying " let me check ... '' and dropped the call called the next one who dropped call in the middle, called again and got dropped without even speaking to them. 

Comments - Highly unreliable service/product as well as unreliable and unsupportive customer service, very concerning given that they handle highly sensitive personal information. No one can resolve the problem other than routing the problem around. Ended up canceling the account and attempted to sign up a new one. 
It turned out then I can not sign up because " they are unable to verify my identity. '' Unreliable service, no one assists in resolving the issue and they just lock your account and tell you " sorry you have to wait. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont have a amount and dates unknown there are several inquires on my r eport thats unknown and unknowledgeable i would like for them to be removed off of my credit.
Product: Credit reporting or other personal consumer reports

Child support is reporting as a collections an active collections account at that. And its hurting my credit even more soo because thats account is closed been closed it should be no errors or missed payments on it. They did start a new case and a new account with a different party including myself .. so if so the old account info should be deleted gone with .. XXXX late missed payments shouldnt be reported on my account whats so ever. This account had payments sent in the name of the wrong party. I was awarded funds back for over more then half the year where I could prove but it.
Product: Debt collection

On XX/XX/year>, I sent a letter stating the inaccuracies listed. See attached...
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian ID XXXXXXXX XXXX XXXXXXXX XXXX. These two agencies are joined together in the restoration of Identity Fraud, and the fallout of Identity Fraud. Experian ID XXXX XXXX was contracted by XXXX XXXX XXXX XXXX to help with the results of my Identity being compromised by a Data Breach -- within XXXX XXXX. This placed my Personal Info. out for the World to see. My consequences due to this XXXX XXXX have been very financially draining, and have consumed 2-3 hours daily in the monitoring and repair of my financial situation brought about due to this XXXX XXXX. And the needed repair seems to be never-ending. XXXX XXXX has also joined with Well-Path, as a Provider of XXXX XXXX, and thus both are involved in this Data Breach. 

Experian ID works and XXXX XXXX in combination, offer ID Restoration and Recovery that I would recommend to no one. Their talk is great, but their results are no where to be seen. I filed a complaint against this Company on XX/XX/23, and it of course remains unanswered. During this entire time, I have requested from my Restoration XXXX, XXXX, the name and contact info. of the Supervisor, and also her Supervisor. There have been countless requests for the Supervisor 's name and contact info. over several months. I also requested the name and contact info. of the Supervisor within my CFPB complaint and again this complaint remains unanswered. Having to deal with a 2nd rate Company, in addition to the fallout relevant to identity theft -- transistons in to a predicament that I would wish on no one. I have lost {$8800.00} due to this identity theft which was drained out of my retirement savings with XXXX XXXX. And this was after I had deactivated and XXXX all my XXXX XXXX accounts. The total amount of money that Experian has helped me recover is {$0.00}!!! This has been a waste of time. And I was counting on Experian ID XXXX for help, as this is my first encounter with identity theft, and I have no training in this area.
Product: Payday loan, title loan, or personal loan

I had an auto loan with Ally Financial ( Ally ). Ally unlawfully repossessed my vehicle. I never had any late or missed payments. Ally never sent me the legally required notices pursuant to UCC and other relevant state laws. Of the notices i did receive, these notices were late, pursuant to state law. The post-judgement notice I did receive was also defective. I filed complaints against Ally on innumerable occasions, however, Ally attempted to escape accountability. Contemporaneously, a multi-district class action lawsuit was filed against Ally for the same complaints I experienced. Ally knew they were guilty and settled the lawsuit and deleted the unlawful repossession from my credit reports, however, Ally has failed to send my settlement check. I am a member of the class action and did not opt-out. I am legally entitled to my check for damages, yet Ally has breached their settlement agreement by not sending my payment which is meritoriously owed to me. Ally Financial , Inc. class action Ally Financial Inc. v. XXXX Case No. : XXXX
Product: Credit reporting or other personal consumer reports

Under, 15 U.S Code 1681 ( 5 ) ( B ) ( ii ) ( iii ) ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material i ) Certification of accuracy of information if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

( ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( Ill ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I was not notified of the reinsertion of these previously deleted items within a 5 business day time frame, nor was any of the additional information outlined above provided to me. As a consumer by law, I demand that you delete these reinserted items from my credit report XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Experian open an investigation a negative account listed on my credit report from XXXX XXXX in the Amount of {$1600.00} on XX/XX/XXXX. My request was that Experian provide me with validation of this account with the signed original contract in accordance to my right as the Fair Credit Reporting Act Section 609 1 ( A ) 1 states. Experian has failed to validate this account and provided me the reason that the item was updated and it meets the requirements of the Fair Credit Reporting Act. The report also suggested that I could directly reach out to XXXX XXXX, which is what I did on XX/XX/XXXX. 

Upon reaching out to XXXX XXXX, I have not recieved any correspondence about the account, I have not recieved an original signed contract from Experian or XXXX XXXX directly. The letter that I mailed to XXXX XXXX was recieved XX/XX/XXXX and signed by XXXX XXXX according to XXXX Tracking Number XXXX. However, I am being ignored and have not recieved any validation of the debt or any correspondence from XXXX XXXX. Experian continues to update my credit report stating that the Account has been verified by XXXX XXXX and they will not re-investigate this account as of XX/XX/XXXX. 

The reason for me submitting a complaint is that, I have no validation via a signed contract with XXXX XXXX stating that I owe {$1600.00} or proof that this debt is actually mine yet Experian continues to report this account as verified. This has now caused me damages because the lack of due diligence has prevented me from obtaining new credit and also prevented me from passing a financial evaluation for potential job opportunities.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX this person was able to obtain a car loan in my name via the internet I'm assuming I asked the cat lot for video surveillance but they do not have it this car has been in my credit since XXXX I have disputed multiple time the company only send a contract with a made up email no signature of mines just electronic
Product: Debt collection

Today XX/XX/year> I contacted The Credit Reporting Agencies & Tried To Work With All 3 Credit Reporting Agencies To Remove Fraudulent & Incorrect Information on My Credit Profile. They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.
Product: Payday loan, title loan, or personal loan

Account Number : XXXX This account closed in XX/XX/2017. They continue to send me bills stating they will withdraw XXXX per month. I contacted the company and told them the account has been CLOSED and they should not deduct any payments. I filed a complaint with the CFPB and the company 's response was to cease all future deductions from my bank account. 

Today, I received a bill from Check into Cash again! 

Please contact this company and have them stop all charges.
Product: Checking or savings account

I really don't know where to begin with this at but I've had a chime banking account for almost 5 years now and in XXXX I started having problems with an unauthorized transactions on my account so I file dispute with chime and they denied it and recently I was stopped by the police on XX/XX/XXXX I was arrested and put in jail until XX/XX/XXXX I retrieved my phone from the police department on XX/XX/XXXX and at that time I opened up my bank account and I find out that my credit bill card had been canceled while I was in jail and that time had taken all my money out of my account to pay all the credit builder when I receive my statement I had XXXX charges to cash app I have no cash up account that claim has been disputed and it's still in progress I have several claims that they have denied but I also have complain to stride Bank and they did an investigation into my account and the investigation clearly states that since XXXX of XXXX  my account shows take over and I have had problems with this continually I have done everything possible to solve this problem of ask time to put a password on my account that I only know and they would only know they would not do that I've had my accounts closed I've had my phone number changed my address change I even had a debit card sent to another address that wasn't mine so this has been an ongoing problem and it's to the point where time is made me lose my vehicle now that's going to make me lose my place of residence because I can't pay my bills and they keep denying my claims I've asked them for arbitration they have not responded to that yet as of yet and I'm at which end