23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying navient for a little more that two years now and my payments just seem to go up. they started at around XXXX for three private student loans and are now around XXXX this is not a significant increase but when I 'm struggling to pay in the first place this makes a difference. i tried talking to them and they told me there was nothing they could do to lower it and the interest rates change so my payment does. I began to look into this more and came to realize that what i pay to my principle balance every month to three loans is around XXXX dollars and the other XXXX goes to interest alone. these loans total to around XXXX dollars. at this rate i will pay them off in about 90 years. this is ridiculous and when i discussed this with them they again said there was nothing they could do.
Product: Bank account or service

On XX/XX/2016 at XXXX I spoke with a representative at Bank of America regarding a charge on my savings account she then informed me that XX/XX/2016 I was given a courtesy XXXX month {$5.00} fee waiver as my account had change that I will be charged a monthly service fee of {$5.00} if I did not transfer {$25.00} every month or maintain a minimum balance of {$300.00} in my account. XX/XX/2016 I did contact Bank of America to inquire of a charge on my savings account I was informed that if I conducted more than XXXX transactions within a billing statement I would be charged a service fee. I was not told at that time that my account will be getting a six-month waiver fee as my account would start being charged {$5.00} a monthly service fee if I did not again transfer {$25.00} to my savings account from my checking or maintain a minimum balance of {$300.00} in my checking account. On XX/XX/2016 I went ahead and also closed my savings account I also stated that I will be going into the bank the following day to close out my checking account as well. I have been a long-standing member of with Bank of America and for a company to change its policies on its consumers without notifying them is wrong and also unprofessional. A savings account should not have fees or conditions as its name is stated clearly as what it 's for savings, not being charged a monthly fee because I am not transferring a certain amount of dollar or maintaining a certain amount of dollar in that account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

Experian Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Failure to Investigate My CFPB Complaint Regarding Bankruptcy Reporting Dear Experian, I am writing to formally address your repeated failure to investigate my complaint regarding the inaccurate reporting of my bankruptcy on my credit report. Despite submitting my concerns through the Consumer Financial Protection Bureau ( CFPB ), I have received the same response repeatedly : The company that reported the information has certified to Experian that the information is accurate. 

This response does not satisfy your obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation into disputes. Additionally, I am aware that Experian was recently sued by the CFPB for failing to properly investigate consumer complaints. This reinforces my concern that your handling of my case has not been compliant with federal law. 

The information being reported is inaccurate, and I request a thorough investigation into this matter Please provide the following : 1. Documentation supporting the verification of the disputed information.

2. Evidence that Experian conducted a reasonable investigation as required under the FCRA.

3. An explanation of the steps taken to verify the accuracy of the information. 

If Experian can not verify the information, I demand its immediate removal from my credit report. Failure to address this issue will leave me no choice but to escalate this matter further, including filing additional complaints with the CFPB and potentially pursuing legal action. 

I trust that Experian will take this matter seriously and resolve it promptly. I expect to receive a response within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX This will be filed in court as well.
Product: Money transfer, virtual currency, or money service

So this issue was due to my phone/laptop was stolen and hacked into, I contacted Paypal regarding this matter and I was told I need to change my password to the account which is what I did. This person stole {$2200.00} from my grandmother and my devices cost well over {$2500.00}. I have zero contact with these people now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to XXXX  dispute file # XXXX XX/XX/XXXX online protest to XXXX   dispute # XXXX Equifax unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to XXXX  or XXXX  to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at Equifax. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.
Product: Credit card or prepaid card

I was basically sent a form to fill out verifying that fraud had taken place and I sent it back asking that they send me an email so I could send them proof of the fraud or a physical business address and they refused.I have all on my pc so nothing I can do to show without an email to send them proof so I gave my email address and asked for theirs yet they wont comply and say they are letting this person keep my money. = ( I have documented proof this package doesnt exist from customs and usps yet this fake vendor suggest it was shiiped.Id also like to say that way to go program never tried to track said package or clearly they would see its fraud too as this package doesnt exist. Please help.
Product: Mortgage

if you want to work with a shady mortgage broker, quicken loans/rocket mortgage is your one stop shop. I applied for a refinance on my house. The initial quote looked acceptable and pretty standard. The trouble starts when they needed the details. They couldn't figure out how to start a new insurance policy on the house at closing, i supplied every document they requested and they still never figured it out. The appraisal was peculiar too, the lender repeatedly on the phone stated the value of the house to be XXXX before ever seeing the house. The appraiser after coming out to the house ( great location and lot ) and seeing it in person, stated the value was exactly XXXX, the comparisons were rather old and the leveling of the values was confusing, not sure it was an accurate appraisal. After the appraisal the quicken loans adjusted the contract, they lowered the financed amount by XXXX and then raised the origination fees by XXXX. The appraisal fee went up {$800.00} after the appraisal. 
I called in and asked to speak to someone in charge and all the quicken reps said there is no one in charge. I could speak to all of these different department people. But I had no idea if they were in on the scam or not. Someone named XXXX called me back and said the loan had been changed from a primary residence loan to an income property loan, which was the first time i heard they had changed the product I had applied for. I had enough of their lies and misinformation. I asked XXXX what i had to do to stop wasting anymore of my time with their unprofessional company. He said i didnt need to do anything to stop the process. I have stopped working with the devious misleading company as of XX/XX/2020
Product: Credit reporting or other personal consumer reports

EQUIFAX NEVER provided the signed documents EQUIFAX sent me an ILLEGAL paper stating they DID NOT HAVE TU PROVIDE ME WITH PROOF from EACH FURNISHER nor did they have to provide PROOF AT ALL which is an ILLEGAL ACT AS WELL AS A VIOLATION OF THE F.C.R.A
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was XXXX  some one applied for multiple things in my name using the address XXXX XXXX XXXX XXXX ny XXXX, XXXX XXXX, XXXX XXXX are the last items left as well as the address XXXX is reporting inaccurate information to Experian, they removed it and then it came back, XXXX XXXX is report inaccurate information to XXXX. The accounts was open fraudulently I have provided all the infomation needed, police report, identity, l theft report, drivers license, birth certificate etc I would like these accounts and address removed from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom XXXX suddenly in XXXX. We later found out it was XXXX. I was forced to take care of my little sisters. In order to keep the home I started making payments on the house and the utilities, which caused my late payments. I contacted Capital One who said they would remove the late payment notices for XXXX and XXXX out of goodwill because I did not owe a balance on either credit card. I have the original letter I sent, they did not respond so I called and thats when they said the would remove them next billing cycle. The balances were paid in full. I have not had another late payment in nearly 3 years. They never removed it despite them saying they would. I called back and they denied their agreeing to remove them.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX was totaled out by my insurance company XXXX in XXXX XXXXXXXX a balance was left. I was contacted by flagship credit ( XXXX XXXX ) and offered a settlement amount which was for me to start XX/XX/XXXX and pay {$230.00} and some change for the next 12 months I agreed. Every month from XXXX to XXXX the {$230.00} and some change was paid on time and the payment was made through XXXX XXXX over the phone. In early XX/XX/XXXX, while trying to refinance my home I was informed by my bank that I was getting flagged for late payments from flagship credit over 120 days later and missing payments. I immediately called XXXX XXXX and explained what was going on and he apologized and told me he would get things corrected and would give me a letter explaining there mistake I was also offered a {$1000.00} compensation off my settlement for there mistake of reporting me late for 7 months and ask me to pay the balance of {$510.00} and some change to close out my debt with flagship credit so they could correct the late payments to being paid on time and also report balance paid in full and I accepted and completed my last payment. I have been communicating with them on a daily basis to get this taken care of so I can move forward with refinancing my home they have not correct their mistake with all the credit bureaus.
Product: Debt collection

In accordance with the fair credit reporting act, this creditor ( MCM ) has violated my rights, under 15 USC 1681 section 6 a 2 states : I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfers

I made a purchase on XXXX XXXX which involved a Money-Gram ( Walmart ) money transfer. after remitting the funds, the next day, I received an email from XXXX XXXX requesting additional funds for " Shipping Insurance ''. There was no mention of any insurance prior to purchase. I sent emails to both parties ( seller & XXXX ) requesting to cancel the transaction and refunding my funds. I receive no replies from either party. I have been SCAMED by someone posing as XXXX XXXX. How do I take legal action to retrieve my funds?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last XXXX of XXXX : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( XXXX v. XXXX XXXX XXXX. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. On this account ( XXXX ) some months are reporting as late with your company but the other two bureaus are reporting something different this means that the account has not been properly verified. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Product: Credit reporting

I disputed debts I have that are reported to Equifax as they were opened XX/XX/XXXX and according to NH Statutes there is a three year statute of limitations on collecting debt. When I filled out the dispute there were no choices for this situation but I marked off the closest " incorrect amount '' and then left a detailed comment explaining the statute and that the debts have been on the account for 5 years. Equifax investigated but instead sent it to the collection agency as a dispute about the amount on the bill, instead of what I had written in the explanation section and it came back as denied. Now the collection agency appears to have changed the date on " collection opened '' to XX/XX/XXXX on the credit report to try and restart the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion on XX/XX/XXXX responded to complaint number XXXX regardinging XXXX. they replied they could not delete the XX/XX/XXXX transaction done by XXXX in which I stated to transunion it was fraud. Fraud has rights of been deleted due to the drivers lic number, date of birth and social security number is not me as stated on the application. transunion has not provided no documents to shown from that application that information as the date of birth social security number or that drivers lic is in my name. There has been complete fraud done by XXXX XXXX of XXXX XXXX. I have also filed a US Attorney complaint on Transunion with the document as proof the social security Number is not me date of birth is not me and the drivers lic is not me to the US Attorney office on Transunion. the application is complete fraud.
Product: Credit reporting or other personal consumer reports

Consumer Complaint to Credit Bureau ( XXXX, XXXX, TransUnion ) Subject : Dispute of Unlawful Repossession, Breach of Contract, and Fraudulent Reporting by XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the reporting of negative information by XXXX XXXX XXXX regarding my auto loan. This account is currently under legal dispute due to breach of contract, improper assignment, unlawful repossession, and fraudulent securitization of my financial instrument. 

Reasons for Dispute : 1. Unlawful Repossession & Breach of Contract My contract with XXXX XXXX requires arbitration for any legal action. XXXX XXXX ignored this requirement and proceeded with unlawful collection actions. 
The company failed to perfect its lien, as confirmed by a UCC-11 search, meaning it had no lawful claim to repossess the vehicle.

The repossession was conducted in violation of state and federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC 9-318 ( a ) ), which prohibits enforcement once a promissory note has been sold. 
XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX has securitized my loan by selling it to XXXX XXXX XXXX XXXX XXXX 2024, which means they no longer retain a legal or equitable interest in the account per XXXX XXXX ( g ). 
Since they transferred ownership of the contract, they lost enforcement rights, and any negative credit reporting by them is inaccurate and misleading. 
They have also failed to report the proper accounting on my behalf through necessary tax forms, indicating discrepancies in their financial reporting practices. 
XXXX. Failure to Properly Respond to Legal Notices I provided a written revocation of their security interest within the first week of purchasing the vehicle. 
XXXX XXXX failed to respond within 21 days, rendering their claim to the contract unenforceable. 
Despite my dispute, they continued to report inaccurate information to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ) XXXX ( responsibility of furnishers to report accurate information ). 

Requested Resolution : Immediately remove any negative reporting from my credit file regarding this account. 
Correct my credit report to reflect that the account is under legal dispute. 
Investigate and confirm that XXXX XXXX no longer has a perfected XXXX or enforcement rights on this contract. 
Verify whether XXXX XXXX still legally owns this account or if it has been transferred to another entity. If transferred, the entity that currently holds the contract should be the only party reporting. 

Failure to correct this inaccurate reporting will result in further legal action, including complaints to the CFPB, FTC, state attorneys general, and private litigation for violations of the FCRA, XXXX, and consumer protection laws.
Product: Debt collection

Since XX/XX/XXXX I mailed a certified letter to the collection agency XXXX XXXX asking them verify or remove the debt. They did not respond to my letter within 30 days. On XX/XX/XXXX I asked XXXX   to remove the debt since they did not verify the debt to me within 30 days. XXXX sent to XXXX XXXX a request for verification and it came back valid to XXXX, yet XXXX XXXX didn't send me verification as I requested. 

I have repeatedly disputed the debt from the collection agency XXXX XXXX. My last letter to XXXX XXXX was sent certified mailed on XX/XX/XXXX. I did received a statement from XXXX XXXX, yet again they did not respond to the letter with any information that was requested. 

I asked for : Name and balance of the original creditor? 
Highest balance amount of delinquency? 
Was the debt assigned to XXXX or did they purchase it from Synchrony Bank Monthly statements or purchases with the original creditor.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiry by Your Company placed on my Credit Reports While checking my personal credit report, I noticed an inquiry was placed on my report made by your company. 

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Product: Credit card or prepaid card

returned payments led to closing of my card. My bank account was used fraudulently so I had returned payments within the span of 3 days. I always paid my bill on time and never any issues in the past year yet account closed with no explation.
Product: Debt collection

Caine & Weiner has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit card

In XXXX of 2023 I opened a Best Buy credit card account to purchase a new phone and shortly after that I got a new phone number. I paid my account off pretty quickly after that, but when I received the credit card my name was spelled incorrectly and my phone number had changed. Come to find out Citibank put my shipping address as my mailing address. Calling citibank to fix this problem did not resolve the problem since they have my information wrong, everything except for my email was correct, They said they couldn't verify but would send something in a few days. But of course, they're sending it to the shipping address so the post office will send everything back to them. All the information was correct from Best Buy so therefore, it was Citibank that entered my information in incorrectly. Best buy said they had everything correct in their system. How such an egregious error could happen in a credit card company that says they're all about integrity is beyond me. I called several times and each time got the same answer. So I told Citibank I just would rather close the account. They said they couldn't do that either. Now I feel like what in the world am I going to do if I can't get them to fix the problem they created and I can't even close it. At this point I just want them to close the account. I would never use a Citibank card again. They have terrible customer service and make serious mistakes with no accountability!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hello. I have XXXX loans reporting with BMG Money on my credit report ( I can only have XXXX ) .Ive paid XXXX in full more than XXXX ago. Ive disputed this with the credit bureau XXXX and BMG responded with the XXXX accounts are accurate. Ive called BMG multiple times and each time I was told it would report correctly on the XXXX of the month. I disputed on XX/XX/2021 with Paid in full documents Just recently and still came back from BMG as being accurate. I need for this account to report correctly. Its holding up my home buying process. 

Thank you