23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate and unverified derogatory accounts and unauthorized inquiries on my credit report. Despite multiple dispute letters sent to the credit bureaus on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, they have failed to comply with federal laws requiring verification or removal of these items. 
Disputed Accounts : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts remain on my report despite my repeated requests for verification under FCRA 609 ( 15 U.S.C. 1681g ), which grants me the right to request the method and source of verification. The credit bureaus have not provided any documentation proving these accounts are valid, meaning they must be removed per FCRA 611 ( 15 U.S.C. 1681i ), which requires the deletion of any information that can not be verified within 30 days. 
Unauthorized Credit Inquiries : There are multiple inquiries on my credit report that I do not recognize and never authorized. Under FCRA 604 ( 15 U.S.C. 1681b ), a credit bureau may only release my report for permissible purposes, such as a credit application I initiated. Since I never applied for any accounts or credit that would justify these inquiries, they must be removed.

Credit Bureau Noncompliance : The credit bureaus are in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ), which holds furnishers responsible for reporting only accurate and verifiable information. Since they have not provided proper verification, they are unlawfully reporting inaccurate information and must delete these items immediately. 
Requested Resolution : I demand the immediate removal of : 1. All unverified derogatory accounts listed above.

2. All unauthorized credit inquiries that I did not approve.

3. A formal letter confirming the deletion of these items from my credit file.

The continued failure to comply with the Fair Credit Reporting Act ( FCRA ) is causing harm to my credit profile and financial well-being. I expect swift action and full compliance with federal law.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Skrill for its failure to resolve a payment transaction issue that has been ongoing since XX/XX/2024, when I initiated a transaction that has been on hold without any resolution despite numerous follow-ups. 
Issue Summary : Transaction Date : XX/XX/2024 Transaction Amount : {$300.00} USD Receipt ID : XXXX Transaction ID : XXXX Despite providing Skrill with all necessary details, including the senders and recipients information, and repeatedly requesting either a resolution or cancellation of the transaction, Skrill has not taken any meaningful action to resolve the issue. 
Specific Concerns : 1.Delays in Reversal : I have requested Skrill multiple times to reverse the transaction and return the funds to my account. Skrill has either ignored my requests or provided vague responses, failing to act on the situation. 
2.Lack of Communication : Skrills customer service has been unresponsive, leading to an extended delay, which has caused significant frustration and financial inconvenience. 
3.Request for Resolution : I request that Skrill immediately cancel or reverse the transaction and return the funds to my account using the original payment method. I am also seeking compensation for the inconvenience caused by their poor service and delay in resolving this issue. 
Desired Outcome : Immediate cancellation or reversal of the transaction.

Confirmation of the funds being returned to my account. 
Clear communication on the steps taken by Skrill to resolve this issue.

I look forward to the CFPBs assistance in ensuring Skrill resolves this matter promptly and improves their handling of such cases in the future.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Hello, I am writing this letter to contest the so-called resolution to my Experian dispute report number XXXX. Per the following screenshots from my Experian credit report ( see attachments ), you claim that I have XXXX XXXX XXXX federal student loan balances with a combined outstanding balance of {$35000.00}. However, I have already provided documentation ( including the XXXX XXXX Account XXXX XXXX used to validate my mortgage loan lending eligibility ) which clearly indicates that my total outstanding federal student loan balance at this time is ~ {$19000.00} across XXXX individual loan balances. Therefore, I require the third ( duplicative ) loan balance to be immediately remediated. In addition, my XXXX open student loan balances are missing the XXXX XXXX monthly balance so the balances are currently overstated.
Product: Mortgage

there are two issues : 1-change of index to my loan agreement. My interest rate increased significantly from XX/XX/XXXX and will increase again on XX/XX/XXXX. I had the libor index in my original loan docs, but now lender is using XXXX. I have barely kept up with w/a nearly $ XXXX increase in payment. i applied for loan modification because i am in a cylical industry and need a modification to assist in down times. after spending 45 days plus responding to requests ( around XXXX in total ) for more information. most of requests were repetitive in nature, SPS servicing declined request for modification or any other type of assistance. I was told i'd have a relationship manager for my request, but in my numerous call and emails with SPS, i only spoke to her once, and that's when she called to slightly berate me for complaining that i have not spoken to her. 
it's strange that i seemingly have to be in default to have SPS even consider loan modification. I explained to them on numerous occasions my situation, but no one seems to get it. I feel like the can being kicked down the road till i'm kicked off cliff. 

SPS servicing brought on services of an appraiser to evaluate my home. the appraiser doest not work in my area, and came in with a value XXXX % under market by " driving by '' my home. the appraiser used comps that are two plus miles from my home, and actually had audacity to bring the value to pre refinance amount. The value of home in XXXX was XXXX XXXX this appraiser came in at around XXXX XXXX using homes that are completely far from me and don't have the same parameters. when i brought this up to SPS, they stood by this `` drive by '' appraisal. if anything, my home has only increased in value to around XXXX XXXX. again, no one at SPS servicing will listen, and i keep being transferred or referred to a new person where i have to start the process of explaining everything all over again. 

XXXXSPS placed forced insurance on my mortgage despite my sending them proof of insurance in a very timely manner. I still have yet to get someone on phone to explain to me why this happened. one representative will tell me they received my documents while another one will say they don't see them. My relationship manage seems to exist only in the abyss.

Please assist. I'm being spun around in red tape
Product: Mortgage

Every month the company sends me a letter prior to sending the statement saying what my next months payment will be. I always pay my payment on time and have never been late. All of the sudden the XX/XX/XXXX statement comes and it does n't reflect what the payment letter stated the payment was to be. Then when I went to make the payment on line the it said exactly what the payment letter said was due for the payment. So I made the payment and the next thing I know they are putting my payments to a suspense account and saying there was a payment shortage. I contacted the mortgage company and they could n't tell me why and they would have to send it to the research department and they would get back to me within 10 days, which never happened. I have sent them emails to XXXX different departments ( I have attached a copy of one of the emails please note all XXXX were the same ) requesting the information and a registered letter which they acknowledge getting, but they still continue to charge me an additional amount every month. This has been going on for 3 months now and when I pull up my payment history they have all these charges and rev charges and some charges I have never heard of. I can show my payment history that shows payment after payment and then all of the sudden on XXXX XXXX all these crazy charges started. They refuse to explain to me what these charges are for? Again, this month I went to make the payment as always and the only amount it will allow me to pay is the regular amount ( and extra principal if I want ). Can someone please help me? I had a similar issue with them when they purchased my and loan and it took forever, but they finally straightened it out after they continually treated like I needed credit counseling and possible loan modification, when in fact i just wanted to make my regular payments on time and have them credited correctly, and now years later here we start again! Please note that i have EVERY statement from the very first payment on this loans origination approx 11 years ago. I have never been late one payment and never intend to!! I just want to make my payments and have them credited properly and if there is an additional charges please tell me what its for! Just think if they charged every customer an additional XXXX ( approx amount ) how much additional money they would make from those people that just pay and never question it. Now they are trying to jerk me around because I did question it and they refuse to give me an explanation or fix it!! Please help! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 collections companies that have put 2 separate accounts on my credit for the XXXX XXXX XXXX. Each account has had a different total and dates each time in a total of ( 4 ) I got XXXX XXXX accounts disputed and now they have gone to Paramount Recovery and I have tried to dispute them through XXXX XXXX several times with no avail. 
XXXX Account was said to have been opened on XX/XX/XXXX at {$620.00} Disputed and dismissed on XX/XX/XXXX XXXX Account was said to have been opened on XX/XX/XXXX at {$1000.00} Disputed and dismissed on XX/XX/XXXX Paramount Recovery Says account was opened on XX/XX/XXXX at {$640.00} Paramount Recovery Says account was opened on XX/XX/XXXX at {$480.00} I don't even know what the XXXX XXXX XXXX is. I haven't been to the doctor since XXXX so I'm unsure of any information regarding this account or why it keeps showing up as different amounts at different dates
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX appears on my XXXX report. I disputed and also sent a certified letter to the XXXX XXXX address online for validation and verification of this debt that I have no knowledge of. I requested the following from XXXX XXXX and did not receive any of the documents. 

1 ) Why the collector thinks you owe the debt : Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract. 

2 ) The amount and age of the debt : Ask for a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. 

3 ) Authority to collect the debt : Ask whether this agency is licensed to collect debt in your state. 

When disputed online with XXXX, they said XXXX XXXX validated debt, but where is this documentation? I have seen nothing. 

I want this removed from my credit history, which is in the 700s.
Product: Credit card or prepaid card

To Whom It May Concern, I opened an American Express ( AMEX ) Gold Card because AMEXs promotion, which I signed up for, where I would receive XXXX American Express Membership Rewards ( MR ) if I hit a minimum spend of {$2000.00}. As of today, XX/XX/2018 I have hit that minimum spend and have exceeded it, spending on a family trip for my upcoming family reunion, other miscellaneous household items, restaurants, and family expenses as I do NOT engage in Manufactured Spending. However, upon checking my account balance on the AMEX website on XX/XX/2018 I found that I still have not received the said XXXX  MR bonus points. I spoke to AMEXs customer service on XX/XX/2018 to inquire about this issue and was subsequently transferred to the Executive team and spoke to customer service representative, XXXX. This female representative explained that I would NOT be receiving my points despite my signed agreement with AMEX. I was told that there was some type of activity of misuse under my account and I was not eligible for the bonus points that was agreed upon. I asked the representative if they could further explain the situation and they would not give me further explanation. Moreover, I asked if I could appeal or speak to someone regarding AMEXs final decision and they said that they could not do so. I believe that AMEX has been engaging in deceitful and predatory marketing practices leaving middle class customers, like myself, to fend for themselves without recourse or even a fair playing field. 

I appreciate the CFPBs help and support in this manner. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

16 listed Florida scams frauding my birth certificate of XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX XXXX frauding also my parents marriage and divorce records which are white documents and serial numbered documents and mom is decest ofXX/XX/XXXX No fraud is authorized There frauding scams frauding my documents frauded my national security clearance data and va mail and Indiana social social date and insurance policies and finger prints cards and FBI back ground checks and medical records and passport data ext my police files and commodity broker career and IRS records and mail and family marriage and divorced record and banking data which I was shoved out for 18 years and always a turn down by bank 's for me for credit and credit cards and loans and also refusal to pay my insurance when I was robbed,
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX, I do not have a contract with them XXXX XXXX XXXXXXXX XXXX, they did not provide me with the contract as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX XXXX  2020. The last attempt I was told that I would have to reach out to the credit bureaus from correction. That doesn't make sense. It is inaccurate why would the solution be to contact the reporting bureaus. I am a long-standing customer and I make all my payments on time. Please correct this ASAP
Product: Mortgage

My husband and I refinanced our home with Rocket Mortgage and closed in XXXX. We chose to escrow, so Rocket Mortgage is required to make our home owners insurance and property tax payments. 
Yesterday we received a cancellation notice and refund check from our home owners insurance stating they have cancelled our policy for non payment. Apparently, our policy was cancelled XX/XX/year> for non payment. We haven't had home owners insurance for 2 months. That made us check the tax assessor, and our taxes aren't being paid either. This puts us in default of our loan agreement, and Rocket Mortgage in breach of contract. 
We pay them every month, so where is our money going if the insurance and taxes aren't being paid? 
We tried to contact Rocket Mortgage directly, but they said they can't help us because on their end they have us paid through next year. We checked our account, and it shows we are current with everything ... ... which PROVES WITHOUT A DOUBT that they are falsifying our records and not paying what they're claiming they are. This is illegal. 
We have consulted a lawyer and Rocket Mortgage is 100 % in breach of contract and in violation of MULTIPLE lender laws in the state of NJ for what they are are doing to us.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 collection

Based on the amount of times i tried to dispute it they only said it was updated with my Personal address at one point they was calling me twice a day, i been laid off due to covid 19 pandemic
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. Under the provisions of 15 U.S.C. 1681o of the Fair Credit Reporting Act, I am requesting that you investigate this matter, as I believe this information is inaccurate or incomplete. 

The item ( XXXX ) in question are : Account Name : XXXX XXXX XXXX {$2000.00} XXXX XXXX  {$2000.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} In accordance with the Fair Credit Reporting Act, I request that you : 1. Investigate this dispute within 30 days, as required by law.

2. Provide me with the results of your investigation.

3. Correct or remove the inaccurate information from my credit report, if applicable.

Please provide me with written confirmation of the resolution of this dispute once your investigation is complete. If you need further information or documentation from me to assist in the investigation, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response in accordance with my rights under 15 U.S.C. 1681o. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a check that was deposited for {$200.00} and that was added to my account on  XXXX   XXXX . Yesterday,  XXXX   XXXX , Chase Bank returned the deposit and charged me an unexpected {$12.00} for their deposit return.  <P/> Today,  XXXX   XXXX , I calle  d Chase and asked them what happened. The representative explained that the items in question were indeed a returned deposit and fee. They said that Chase accepted the check, deposited the amount, and then did their research. They then said they returned the deposit due to insufficient funds in the other account. Ultimately, the representative said I needed to talk to the other person involved and find out why this happened.
<P/>
The other person in question is my wife. She is a joint holder with Chase but also h  as a  XXXX    XXXX   account. She wrote a check on  XXXX   XXXX  to essentially transfer {$200.00} from her account to o  ur Chase account. Her check cleared, it seems, almost instantly since the Chase account received the deposit. Yet three days later her deposit was returned and I ( along with her technically ) got hit with a {$12.00} fee that was n't my fault.
<P/>
I hope this is cleared up and hopefully things will be good. Our Chase a  ccount is  XXXX  and some change because of this situation. I hope at least the {$12.00} is reversed as that fee is absolutely ridiculous. Even though the other person is my wife, I feel like it 's not right for the check recipient to be penalized for something out of their control. If the other person was n't my wife, and was rather someone I knew not tied to my account, I feel this would be even more egregious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Experian and XXXX in writing informing them of my new mailing address : XXXX XXXX XXXX, XXXX, FL XXXX. I sent all required proof to make the change on XX/XX/2021 in writiing. I requested a free annual credit report and I want a copy of my XXXXredit score. But to no avail. 

I have not received my annual credit report or credit score at my new mailing address from any of the 3 credit bureaus. 

please help in this matter.
Product: Bank account or service

On XX/XX/XXXX a fraudulent check was deposited into my account through an ATM. On XX/XX/XXXX, XXXX withdrawls were made totaling {$1200.00} at the same time the check was deposited followed by a debit transaction for {$4700.00} made on XX/XX/XXXX. I filed a claim against these amounts and the fraudulent check. Subsequently I have had 2 claims denied, not been able to get in contact with the representative XXXX despite repeated messages and calling almost once a day. The claim was denied because he said that I gave out my PIN even though I did not, and let him know I had nothing to do with this and did not give out my PIN. I call Citibank almost every three days and they are unable to give me any information or help. The fraudulent check was for {$8900.00}. The bank did not contact me to verify, or even place the check on even a 24 hour hold nor does the signature remotely match my own. Had they not cashed this fake check without even the slightest due diligence these transactions would not have been able to occur. I tried to close the account the next week and was falsely told that I would not be able to. Subsequently my pay check and tax refund check were used in order to cover the loss. I have filed a police report which the XXXX police department said would take 3 weeks before I have a written report ( # XXXX ) Citibank has not been helpful at all in anyway. I am on my third dispute trying the receive the same money credited to my account and still unable to contact XXXX. I even called the Citibank fraud department and had the lady on the line try to reach XXXX, he did not answer her calls either. My first complaint was filed on XX/XX/XXXX, the second was filed XX/XX/XXXX and the third complaint was placed on XX/XX/XXXX, almost a month after the initial fraud occurred. I told every one whom I spoke with at Citi that I would fully help in prosecuting the culprits however Citi notified me that they would not even be checking the cameras to assist. I have done everything possible to help Citibank and all they have done is run me in circles and taken good money from me in order to cover the bad money they let go.
Product: Credit reporting or other personal consumer reports

Experian has refused to remove XX/XX/XXXXXX/XX/XXXX from credit report even though they have fail to show proof other then my address social security number and name which is public record that they could have gotten from anywhere I asked for a sign document showing I signed and agreed to such debt and they have not been able to provide such contracts