23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A girl from   XXXX   XXXX   XXXX   XXXX   by the name   XXXX   XXXX   approached my friend,  XXXX  on  XXXX  expressing interest in a sublease advertisement she had posted. She offered to pay a deposit amount of {$200.00} and asked for a Bank of America account number. Since my friend does n't have a Bank of America account, she asked if she could use my account to get the money. I agreed and provided my bank account number.  XXXX  ( the scammer ) then pretended to be me and made a false claim to Bank of America that she had deposited {$2000.00}. Bank of America provided a temporary credit of {$2000.00} without verifying the identity of the caller. The scammer then told me that she had deposited {$2000.00} instead of {$200.00} by mistake and asked me to transfer {$1900.00} back. Since I saw {$2000.00} credited to my account, I thought she had transferred the money and I transferred {$1900.00} back. The scammer made several claims the same day but Bank of America did n't raise any alarm or try to contact me on my registered number or email id to verify the claims until two days later. Further, the bank closed my account without providing me any notice when their investigations revealed they were fraudulent claims. I was n't informed about the reasons for the account closure in spite of repeated calls to their claims department. The bank officials were not willing to even talk when I visited the local branch in my town. I 'm also forced to pay the overdraft fees. I 'm being treated as a fraudster whereas I 'm the victim.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Equifaxs Refusal to Remove Medical Collection Record Dear Equifax Customer Support, I am writing to formally dispute and file a complaint regarding Equifaxs refusal to remove a medical collection account from my credit report, despite the new CFPB regulations and updated credit reporting policies concerning medical debt. 

According to the Consumer Financial Protection Bureau ( CFPB ) guidelines, medical debts should not be reported until at least 12 months have passed from the date of first delinquency. This rule was introduced to prevent inaccurate and unfair reporting of medical bills, recognizing that such debts often arise from delays in insurance processing or billing disputes. 

Furthermore, the three major credit bureausEquifax, XXXX, and XXXXhave agreed to implement changes to medical debt reporting policies in line with CFPB recommendations. Specifically, any medical debt should not appear on a credit report unless it has been unpaid for more than 12 months. 

References to CFPB medical debt reporting regulations : CFPBs announcement on medical debt credit reporting changes ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/ ) Rule for One year ( https : //www.equifax.com/personal/help/article-list/-/h/a/medical-debt-collections-on-credit-report-not-removed/ ) Despite these regulations, Equifax has continued to report a medical collection account on my credit file before the 12-month reporting period has elapsed, which is a violation of the updated policies. 

I am formally requesting : 1. The immediate removal of this medical collection account from my credit report if it has not surpassed the 12-month reporting threshold. 
2. A detailed written explanation as to why Equifax has not complied with the updated medical debt reporting policies. 
3. A full investigation into this matter and confirmation of corrective action within the required legal timeframe. 

If Equifax fails to address this issue appropriately, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities for further action. I expect a response within 30 days, as required under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Mortgage

I had an insurance loss to my property on XX/XX/2018. XXXX XXXX my insurance provider took sometime in paying the mitigation part of this claim. It has been twenty five days that this company have been paid. I signed a contract with them stating that they would be paid with in five days, which they allowed me two weeks. The payment got to me from XXXX XXXX and I mailed it to my mortgage company. This was to be a non monitored claim. After submitting the two payment to the mortgage company, I asked if they could expedit this so I would not be charged the late fee and the default in payment fee. However later this afternoon I was informed that the amount of the check was over ten thousand dollar that I would have to send in a adjustor report. I would not have a problem with this, but there is not one, and they know this. The adjustor paid off of the contractors report. So now I'm stuck paying the late fee, and default payment. I explain to them that I don't have this type of money and that they need to send the check. She just told me to call back in the morning. WHO is going to pay this amount? I feel that I'm not responsible for this amount.
Product: Credit reporting or other personal consumer reports

XXXX refuses to delete my student loan trade lines. Every time I dispute the XXXX trade lines with Experian on my credit report to be removed, XXXX updates my credit report with providing the information that the account is at {$0.00}. I am not interested in what XXXX is doing with the CRA. I am asking for XXXX to follow what the XXXXXXXX XXXX XXXXXXXX states to do-delete the trade lines. My previous complaint is of that the same as this one. XXXX tends to not answer and address the exact concern. This complaint has nothing to do with the CRA. These student loans should have been removed from my credit more than XXXX year ago. Please address my concern. Why have you not deleted the XXXX student loan trade lines on my credit report? Why do you continue to update my credit report with showing {$0.00} owed when I dispute the trade lines to be removed? Why are you not following the lawsuit settlement instructions to delete the student loan trade lines, you have had more than XXXX year to do so and multiple complaints where I am repeating this complaint over and over again?
Product: Credit reporting, credit repair services, or other personal consumer reports

We are processing a VA loan for a new home through XXXX XXXX XXXX. My rep checked our credit score on XX/XX/2019 looking for the best rating and the best interest rate for our loan. Last XX/XX/XXXX got an email from XXXX giving me a " free '' look at my credit score. After giving them my information, CC, DOB, SS, etc. they charged my CC almost {$60.00} to give me my report. I contacted them on the following Monday and asked the rep to remove the charges from my CC. He refused and hung up on me. Two days later I get an email from a Creditor : XXXX telling me that my credit score is over a hundred points lower that the other bureaus. They reported this to Experian and they dropped my score over a hundred points lower. My complaint is to XXXX and XXXX. I have attached the reports that was sent from a loan application that I do not know where is came from. XXXX rep hung up the phone when I asked where they got their information. 

My credit score was XXXX before XXXX sent this out to Experian.
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 did not authorize them and they do not have a Permissible Purpose on my behalf.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX. Date : XX/XX/year>. 
- Creditor name : XXXX XXXX. Date : XX/XX/year>.
Product: Debt collection

During my Time in the XXXX XXXX  XXXX XXXX my daughter XXXX XXXX was transferred over to the hospital via XXXX XXXX. I was 100 % covered through XXXX and this would of been covered by XXXX IF THE XXXX XXXX COMPANY had made an effort to contact my insurance provider or informed me of this bill. I was covered at this time, and had absolutely no reason to not pay for this! 

The original creditor is XXXX XXXX XXXXI owe a balance of {$4300.00}. 
The incident happened around XXXX. ( never billed for this! / Nor notified ) The debt agency that had my collection originally went bankrupt. So we never once got told about this. I only found out about my collection until it showed up on my report almost 6 years later! XX/XX/XXXX! 

The information provided by the debt collectors is all wrong. They spelt my daughters name wrong, they spelt my name wrong and they had incorrect reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a email about a inquiry on my credit report so I checked my report and found several false inquiries on my report which includes XXXX 3 times, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Hello CFPB my name is XXXX XXXX XXXX and i am personally writing this complaint under distress to bring to your attention an unauthorized credit inquiry on my credit report. I was alerted via XXXX XXXX about this new inquiry that i did not approve of. I have contact TRANSUNION but they refuse to help, This will hurt my credit score and credit image. I am seeking immediate help for this. I have also listed the inquiry below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX added a loan for a car that I did not have. It was purchased in XXXX and charged off in XXXX. I contacted them several times. Turned down money they tried sending to me. Today they added it as new debt to my Experian Credit Report. It was on XXXX than removed now it is on Experian. This just will not stop.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX.
Product: Debt collection

I Have Received several calls from True Accord ( Collection Agency ) Not Stating Who They was Collecting For. They stated they wanted a Debt Paid in My Name i Stated do not call me again and ENDED the Call This has happened Several Times This past week I received a email stating the Same And that they Updated my Payment History I do not have a checking nor a savings Acct I Replied Back about ID Theft and the FRCA laws and Stated to not CONTACT ME AGAIN This Company Violated ME A Consumer and My Rights with 15 USC CODE 1681 15USC Code 1692b .1692c 1692e 1692f 15 USC Code 1681 MY CONSUMER RIGHTS WAS VIOLATED BY THIS DEBT COLLECTING COMPANY I SUBMITTED THE EMAIL TO THIS COMPANY THAT I RECEIVED FROM TRUE ACCORD
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Product: Mortgage

I called Newrez on XX/XX/XXXX to recast my mortgage and lower my principal. Rep said it could take up to two weeks. Process started. Almost immediately, I get an email that my password was changed. I can't get back into site. 

I'm moving to my new ( mortgaged ) residence so I don't have time to reset password. Then, wife XXXX XXXX on Saturday, XX/XX/XXXX, and we spend 3 days in the hospital. Now, on Tuesday, XX/XX/XXXX, I finally try to reset my password and it says my Password reset is denied and must be reset by an Administrator. 

I call Cust. Service and Rep is baffled by how my SS # has been disassociated from my account. She can not fix it, but submits a trouble ticket to IT. 

Fortunately, she takes my payment over the phone, but tells me that mortgage recasts are now taking at least one month and mine is estimated to complete on XX/XX/XXXX. She sees that my Recast Application was started on XX/XX/XXXX when I called in one week prior. 

That leaves me with a second XXXX payment on a XXXX mortgage that I am not ALLOWED to reduce the principal. 

This is ridiculous and stinks of incompetence that I get locked out of my own account and can not reduce my mortgage principal in a matter of a few working days. 

I am forced to make additional high payments of XXXX, because Newrez is unable to process my mortgage principal recast in a few working days.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Eight Fraudulent accounts unauthorized identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I didn't give these companies approval to run a credit check : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXIn accordance with the Fair Credit Reporting act Convergent accounts 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 an account without my written instru
ctions.
Product: Credit reporting or other personal consumer reports

I have disputed with all three credit agencies multiple times to have my account XXXXXXXX XXXX XXXXXXXX updated to reflect a {$0.00} dollar amount and the account should be closed as XXXX without any negative comments. 
Experian - XXXX XXXXsputed on XX/XX/XXXX, report number XXXX and was success and account was closed. On XX/XX/XXXX, I received a notification via email that another investigation occurred in which I did not initiate report number XXXX resulting the account being reopened and the balance was updated as XX/XX/year> {$160000.00}. I called Experian on XX/XX/XXXX and asked them if they had received the letter I attached with the dispute on XX/XX/XXXX. The representative found the later and stated she would resubmit the dispute report number XXXX. The same day, XX/XX/XXXX I received another notification the account was updated to reflect a {$0.00} dollar balance but has not been closed. Status shows : open/never late. 

XXXX - The same process occurred XXXX. XX/XX/XXXX, confirmation XXXX, completed XX/XX/XXXX, with the information updated and balance {$160000.00}. Called XXXX on XX/XX/XXXX, explained I sent the confirmed letter of my student loans were Forgiven. The representative saw the letter opened another investigation confirmation number # XXXX and advised I would receive the results in the mail. The results came and the account is updated as {$0.00} and closed, with inaccurate comments : student loan payments deferred. 

XXXX - I have dispute ( XXXX ) times and results have been the same time updated and verified balance {$160000.00} as of XX/XX/year>. Prior to my dispute I asked to speak with a supervisor, not sure if I was transferred to XXXX or not, but I spoke with XXXX and advised him that I have attached the letter that my loans are forgiven with XXXX XXXX XXXXXXXX and my account should be reflect as {$0.00} dollar amount, paid and closed without and negative. He responded with they send the documentation to servicer to confirm. I found that hard to believe since the servicer being XXXX sent me the attached letter and has updated my account that student loans are forgiven so why am I having to go through so many obstacles to with the credit agencies to update my credit report with accurate reporting. XX/XX/XXXX, I received the forth dispute notification file number XXXX and it reads : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : Date updated : balance {$160000.00} as of XX/XX/year>.
Product: Mortgage

To whom it may concern ; I am a first time home buyer. XX/XX/XXXX purchase XXXX XXXX XXXX XXXX NY. It was a shortsale through Wells Fargo. Two day 's before I went into closing the above mentioned residence was burglarized, copper pipes were removed and boiler destroyed, disabling the required heating system. The Wells Fargo representative suggested following through with the closing. The agreed proposition was the home owner was to file insuranc claim with allstate, we would proceed with the closing, then I was to pay out of pocket for the repairs. Upon completion of repairs I would send the receipts of completed work from contractors to wells fargo, which I have done ( with email confirmation from my attorney to sellers attorney ). After wells fargo received receipts of repairs they would then send a rep.to inspect and then endors allstate insurance claim moneys to myself. 
My attorney, my father and myself have exhaustively tried to contact Wells Fargo, with no response. Then to find out through sellers attorney that wells fargo jow does not feel the need to endors this insurance check, and they will use this money to recover loses. In wells fargo affidavid it states that selling bank can not with hold information from the lending bank which would decrease the value of the property. I have done everything Wells Fargo, sellers attorney and my attorney have requested. I have spoken with allstate and they informed me that these moneys can only be used to make repairs specific to that claim. These repairs were made almost 11months ago and XXXX sent a letter for wells fargo to respond in 30 days from XXXX/XXXX/XXXX. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact creditors 6 months ago and no response. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit card

Subject : Formal Complaint Against American Express in regards to XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against American Express ( AmEx ) and merchant XXXX XXXX regarding a misrepresented rental property and AmExs negligent handling of my dispute. This issue has caused significant financial harm and emotional distress over the course of nearly two years and has placed me on the brink of bankruptcy. 

Timeline of Events 1. On XX/XX/year>, I was preapproved for a rental property with XXXX XXXX XXXX. I received an invoice with one option to Pay Now but was not presented with or required to agree to any terms and conditions prior to payment. 
XXXX. After entering the property on XX/XX/year>, I discovered it was misrepresented compared to the online listing. I promptly reversed the payment after reporting this misrepresentation. 
XXXX. The merchant later claimed I was shown terms and conditions on XX/XX/year>, at XXXX XXXX full day after the booking and payment had already been completed. This contradicts the timeline and proves the terms were never provided prior to booking. 
XXXX. AmEx sided with the merchant, repeatedly citing the disputed terms and conditions, despite clear evidence of timeline discrepancies. 

AmEx Negligence XXXX. I opened a chargeback on XX/XX/year>, citing property misrepresentation. AmEx initially credited my account but reversed their decision after accepting the merchants conflicting documentation. 
XXXX. Over the course of seven separate attempts, I provided extensive evidence ( text messages, timelines, and merchant-provided documents ) proving the misrepresentation and discrepancies. AmEx, however, refused to properly investigate or acknowledge the evidence.

Financial and Emotional Impact 1. Due to AmExs mishandling of this dispute, I was unable to pay the balances on my accounts, resulting in : Closure of both AmEx accounts.

Derogatory marks on my credit report, severely impacting my credit score.

A financial burden that has placed me on the brink of bankruptcy.

2. The emotional toll from nearly two years of stress, repeated disputes, and financial instability has been profound. 

Enclosed Supporting Evidence Timeline of events proving the booking occurred on XX/XX/year>. 
Text message correspondence with the merchant showing no terms and conditions were provided at the time of booking. 
Merchants own documentation, which inconsistently claims terms were provided on XX/XX/year>. 
AmEx communications dismissing my evidence and improperly siding with the merchant. 

I trust the CFPB will investigate this matter thoroughly and help facilitate a fair resolution. Please contact me at your earliest convenience if additional information or documentation is needed. 

Thank you for your attention to this matter Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

There were several unauthorized transactions done from my account. I did not authorize any.