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

I have a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Experian, XXXX and XXXX XXXX with no successful resolution. XXXX, Experian and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
Product: Debt collection

Transworld Systems , Inc keep calling my cell & home number all hours, using different numbers. Askingfor my social securitynumber and other personnal info. I asked them to send a bill if I owed something, they refuse. 
I have no outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a victim of XXXX XXXX XXXX, and I have provided all of the documents to provide proof of this and I would like XXXX XXXX REMOVED FROM my credit report!
Product: Mortgage

On XX/XX/XXXX I received a bill from United Wholesale Mortgage stating my mortgage was going to increase by {$520.00}. When I called on XX/XX/XXXX I was told the reason was because my property taxes were increasing by over {$3000.00} a year. They told me about {$350.00} of this was for the taxes and {$170.00} was to cover the increase needed to cover the additional escrow needed. I then called my local county tax office which told me this information was incorrect and to have my mortgage company to call them. The publicly available information on my tax website and from the phone call with the local office my taxes have only increased by {$97.00} per quarter for the year. 

XXXX XXXX XXXX XXXX XXXX XXXX I then called the next day on XX/XX/XXXX to give UWM this information. They stated they would then have the back office team rerun the escrow analysis. When I inquired where the back office team got these numbers they could not provide that answer and gave me an e-mail to get this question answered. 

I then e-mailed them on XX/XX/XXXX and followed up on the XXXX and received no response, screenshot below. 

On XX/XX/XXXX I followed up with UWM and was told that they could see that the back office team was able to corroborate my numbers and spoke to my local office and had notes stating they verified all the information I provided as being correct but that for some reason they never updated the tax line. I was told that this information would be updated by the time my payment was to come out on XX/XX/XXXX. 

On XX/XX/XXXX they pulled out the full amount of my mortgage along with the over {$500.00} we needed for our other bills. I called on the XXXX the next business day after this transaction came out of our account and requested a supervisor to deal with this. For some reason, supervisors are never available and have to call you back. I was told that the supervisor wasn't in so I would get the next highest-up person however I never received a call back. 

I called again on XX/XX/XXXX stating I never received a call the previous day. I was then promised a call back from a supervisor and still have not received a callback. My {$500.00} still has not been refunded back to me and my account shows my bill for XXXX is showing the same excess amount.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts on my credit report that are a result of fraudulent activity following a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the following accounts from my credit file : XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  # : XXXX Filed : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

Deposited a check for {$9400.00}. Was told part would be held for verification of funds. All was held and the dates I was told were incorrect. Asked to release the portion supposedly held and was told it was held as well and could not be released by anyone at the company. This always happens with my check deposits, and no one can verify why capital one takes longer than any other bank or why they lie about availability of funds consistently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written numerous letters to XXXX within a 6 month time span advising 2 collection accounts ( XXXX XXXX and XXXX XXXX ) weren't mine. I have also written numerous letters to Equifax within a 6 month time span advising 2 collection accounts ( XXXX and XXXX XXXX ) weren't mine as well. Each response they sent back stated the accounts were verified. When asking for how they were able to verify the accounts, I would receive no response. After advising them, the companies as well couldn't verify nor confirm the accounts were mine, they continued to report the negative information on my credit reports. 
In addition, I advised both XXXX and Equifax that a collection account, XXXX was not mine. XXXX closed the account and Equifax still has the account open. There is no reason why this account should be on my credit reports.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXXXXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6000.00} XX/XX/XXXXXXXX XXXX XXXX  {$3500.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  {$22000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/year>, I applied for The Gold Card American Express. The primary reason for my application was the advertised open bonus : " Earn XXXX Membership Rewards Points after you spend {$6000.00} on purchases on your new Card in your first 6 months of Card Membership '' ( see attached image - " Open Bonus '' ). Given this enticing offer and my upcoming travel plans, I proceeded with the application. 

Throughout the application process, I did not receive any notification indicating that I was ineligible for the open bonus. Therefore, I reasonably assumed I qualified for the offer. 

On XX/XX/year>, I contacted American Express customer service via chat. To my surprise, I was informed that I was not eligible for the open bonus, despite having spent the required {$6000.00}. When I attempted to seek clarification and assistance from Amex Customer Service, I was merely told I was ineligible without any further explanation or support. 

I understand that eligibility criteria may apply and that an ineligibility notification should appear during the application process, typically as a pop-up message stating, " You are not eligible for the bonus ; do you want to proceed? '' However, I did not receive such a notification. If American Express refuses to honor the open bonus, this constitutes false advertising.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account : XXXX, Account : XXXX, Account : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

On XXXX XX/XX/XXXX i sent a letter to the XXXX  XXXX XXXX  hospital to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance for {$150.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The XXXX XXXX XXXX hospital did in fact cash my check, and I have documents to prove it. They did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections or cancel any collections attempts. Below is what was in the letter i sent Notice of Dispute and Settlement Dear XXXX  I, XXXX XXXX, disputing the entire balance on any accounts numbers, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balances currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balances payoff ), you are agreeing to settle any balances and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. If you do not agree to the amount on the check ( {$150.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. Thank you XXXX XXXX
Product: Bank account or service

I have disputed {$210.00} in overdraft fees to my bank and the response I received did n't address my concerns so I am contacting you. I did a transfer using XXXX XXXX and afterward I checked my account which reflected the deposit. Following this, I sent a payment through the service XXXX. TD Bank later changed the order of my transactions to make it seem like I sent the XXXX payment before the XXXX XXXX deposit posted. This is not what happened and this is not what my account reflected when I checked after I accepted the XXXX XXXX money transfer. I contacted the bank 's customer service line and was told that I would have to go into a branch to get a refund because she was only allowed to give my back {$35.00} over the phone. When I went in to the branch, the representative told me that TD bank has a policy where purchases are posted before credits, no matter if the credit is received first. And then she said she would only be able to refund me {$35.00} of the {$210.00} overdraft fee. I told her that changing the order of transactions is illegal and I know XXXX XXXX, XXXX, and XXXX XXXX XXXX recently had to pay a XXXX dollar settlement for engaging in these practices. She told me that she would email her branch manager to see if they could refund me all of the fees. I never heard back. This was a branch on XXXX and XXXX XXXX. I also called the customer service number again and told them it was an emergency and I needed those funds because I was moving that day. The supervisor I spoke to only refunded me {$70.00}. So, the bank still owes me {$140.00}. I am reaching out to you in hopes that you can help me resolve this issue. I have had trouble getting food because of this bank error and it is not fair!
Product: Debt collection

There is a {$15.00} collection listed through Plus Four, I have never heard of this company, never received anything from them, nor have done business with them nor owe {$15.00} This is a mistake listed on my credit file.

Please help Plus Four XXXX {$15.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint regarding identity theft, which has resulted in fraudulent accounts being reported on my credit profile. I have already initiated disputes with the credit bureaus and am providing documentation to the Consumer Financial Protection Bureau ( CFPB ) to request assistance in removing these fraudulent accounts from my report.Despite my efforts to resolve this matter, these accounts remain incorrectly listed under my profile. These accounts were opened without my knowledge or authorization, and the ongoing misreporting of these details is causing significant harm to my credit standing. I am requesting that these be investigated and removed promptly.

Summary of Fraudulent Accounts Being Disputed : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Dispute Reason : This account was not opened by me, nor do I have any knowledge of its existence. I request immediate removal from my report as it is a result of identity theft. 

XXXX. XXXX XXXX  Account Number : XXXX Dispute Reason : This account was opened without my authorization and has not been verified to be accurate or complete. I demand its removal as it was fraudulently added to my credit profile. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : This is another fraudulent account that does not belong to me. I am disputing this as part of the identity theft issue affecting my credit profile. 

XXXX. XXXX XXXX Account Inquiry Date : XX/XX/year> Dispute Reason : I did not authorize this inquiry. I request that this be removed from my credit report as it was a result of identity theft.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Improper Credit Reporting and Verification Failures for XXXX XXXX XXXX I am filing this complaint against Experian, XXXX, and XXXX for failing to ensure accurate reporting and proper verification of information regarding the XXXX XXXX XXXX account XXXX Account XXXX : XXXX ). 

Details of the Complaint : Since XX/XX/year>, I have consistently disputed the accuracy and legitimacy of the XXXX XXXX XXXX  account with Experian, XXXX, and XXXX. Despite submitting multiple disputes outlining my concerns and requesting a thorough review, the credit bureaus continue to update the account status as verified without offering any explanation or tangible proof of how they arrived at this conclusion. I have asked for documentation, records, or any evidence that demonstrates the accounts validity and the investigation process they claim to have conducted. However, no such evidence has been provided, leaving me with no clarity on how the credit bureaus or the furnisher verified the information. To date, none of this information has been provided. The lack of evidence and proper investigation constitutes a failure to comply with federal law and causes ongoing harm to my credit profile. 

Violations of Federal Laws : Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ( 1 ) ) : The credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of an account. By merely marking the account as verified without performing a proper investigation, they are in violation of this provision. 

2. Failure to Provide Verification Details ( FCRA 609 ( a ) ( 1 ) ) : Under the FCRA, consumers have the right to request details on how disputed information was verified. Despite my repeated requests, the credit bureaus have not provided this information. 

3.Reporting Inaccurate Information ( FCRA 623 ( a ) ( 1 ) ) : XXXX XXXX XXXX , as the furnisher of information, has a legal obligation to report only accurate and complete information. If they can not provide evidence of the accounts accuracy, they are in violation of this provision. 


4. Failure to Notify Consumer of Reinvestigation Results ( FCRA 611 ( a ) ( 6 ) ) : After a reinvestigation, the credit bureaus must notify the consumer of their findings and provide the results of the investigation. This has not been done in compliance with the law. 

The inaccurate and unverifiable reporting of this account has caused significant harm to my credit score, restricting my access to financial opportunities and resulting in undue stress. Additionally, the failure of the credit bureaus to conduct proper investigations undermines consumer trust and the integrity of the credit reporting system.
Product: Debt collection

The call I received and was able to answer came Friday XX/XX/XXXX around XXXX. The person called from a Maryland number and said he was with mcm and wanted to discuss an attempt to correct a debt with XXXX. I said in unaware of this please send correspondence in writing. He ignored me and continued to ask questions about when this debt was opened the dates he said were doing the pandemic. I've not done business with that company. Again I asked for information to be mailed. I have not received any information via mail. Today XX/XX/XXXX Sunday at XXXX I got an invasive call from MCM. I find this erroneous and a disregard to my request for writing. Additionally on Sunday as my family is preparing for church.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States 2 : It also a consumer reporting agency can not furnish an account without my written my written instructions. 

Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

To whom it concern, I have sent 3 letters to the collection agency to show me a contract that i have with company, and they have not responded.
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 XXXXXXXX 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.
Product: Credit card

I HAVE BEEN GOING BACK AND FORTH WITH THIS COMPANY AS THEY HAVE USED MY SSN CARD WITHOUT ME RECEIVING ANY BENEFIT ONCE AGAIN. I KNOW WHAT THESE CORPORATIONS DO WITH CONSUMER CREDIT APPLICATIONS IF THEY ARE DENIED OR APPROVED IT MAKES NO DIFFERENCE THE CORPORATION MAKES MONEY WHILE THE CONSUMER SUFFERS.I HAVE APPLIED TO THIS COMPANYS PRODUCTS IN GOOD FAITH WITH GOOD INTENTIONS, AND AGAIN DOES ANYWHERE IN THE CFR, UCC, STATE THAT CONSUMERS MAY RECEIVE GOODS BASED A CREDIT SCORE. MY SIGNATURE IS THE CREDIT THIS WILL BE MY FINAL ATTEMPT BEFORE I TAKE THIS ISSUE TO FEDERAL CLAIMS. AS I HAVE SENT MULTIPLE LETTERS TO THIS COMPANY AND NO RESPONSE
Product: Mortgage

After speaking to Finance of America Mortgage LLC about refinancing my current mortgage that I have with XXXX XXXX I was asked what I thought my home was worth. I told XXXX XXXX that my new insurance just insured me for XXXX as my value and then he asked me what I owed ( XXXX ) and he said those numbers were enough to refinance form an FHA to a Conventional loan to remove the PMI and lower our monthly payment going forward. He never told me that the apprasial could come in much lower and to be prepared for different numbers if it did. 

He advised that he would run the numbers and gave us 3 options, all where would get around 7 to 10 thousand dollars back at closing. He advised that I needed to sigh a rate lock form and give him a CC for an appraisal that would cost {$470.00}. 

I said I would not do that without seeing final numbers and he said not to worry about any of that the {$470.00} would be reimbursed at the closing cost and I would not have to pay that out of pocket. it would only be held on my card until closing. 

The appraisal came back at XXXX and they told me that I would now have to pay at closing and I was losing my {$470.00} as well. I said I was never explained that and I wanted my {$470.00} back as promised and I was not going to pay them anything. 

They told me how to cancel or how to get into a different loan that were not the numbers that we discussed and have now stopped communication with me. 

I want my money back and I want to file a complaint against them. 

XXXX XXXX - Director of Sales NMLS-XXXX XXXX XXXX - Sr. Mortgage Advisor NMLS-XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX