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

I have a Homeowner association company that has set me up with the automatic withdraw for the association fees. When Equifax was breached on the data, I decided to check on my credit since I have credit monitor account with Equifax. That was when I noticed that the score has droped. I was at XXXX and it dropped down to XXXX. The reason was the association has reported negative information. First, I was never notified about having a past due on the account. The account is set up as automatic withdraw so I would not think there is past due.
Company information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX is the company information.
I contacted Equifax first because I did not know who reported the negative information first. Then I found out that it was my association company so I contacted them and I was being reasonable. Even though I was upset, I decided to pay the account since now I was informed that I had past due amount. I did let them know that I was never informed through mail or phone call.
Move forward, I paid the account in full and Equifax disputed and the account information was corrected and the account became no past balance.
One month later, now. I have a notification from Equifax that my score has dropped again. I have check the reason and now the same company has made another negative information on my credit file with different company name.
Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca-XXXX XXXX
Same address and same phone number with same past due amount.
I did let go the first issue since it can happen even though I felt it was not fair since they did not attempt to notify me with past due. But, this time I can not let it go since it has affected my score again with same information. I have contact the association company XXXX XXXX  but no response. I am filling the BBB complain also and I would like to see what I can do to make this correction and make sure I have fair credit score without abuse from this management company.
Thank you.
Product: Checking or savings account

I was supposed to receive an account opening bonus for opening a new account and meeting certain requirements. I have met all the terms of the offer and completed all the requirements but the bank is denying me the bonus. I have contacted customer service through e-mail, phone and also the branch but no one is willing to help. I also reached out to their social media team but never heard back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts * XXXX XXXX XXXX XXXX date opened XX/XX/XXXX this account is being reported inaccurately, please remove this from my credit report immediately * * XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX, this account is being reported inaccurately, please remove this from my credit report immediately * XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was improperly charged for an unauthorized purchase of a credit report from Experian. I called their customer service number and it was 100 % automated. There was no option to speak with a person to describe the fraudulent report - just prompts to visit their website. I went on their website to speak with an agent over chat, and all I have seen all day is " Online Chat Unavailable, All chat agents are currently assisting other customers. '' Instead of placing me in a queue they gray out the option. I researched on XXXX a number to get ahold of a person in customer service and called that. Their menu does not advertise an option to contact a person about billing issues, so I had to select another issue and ask that person to transfer me. They did and I waited on hold for almost two hours ( they provided no time estimate or place in line ) before giving up. I checked their website again and their chat option is still down. 

I believe they designed this set up deliberately to dissuade consumers from asking for refunds or reporting improper billing. It is in most basic terms, a scam.
Product: Mortgage

I am in foreclosurei was giving a home loan at 100 % financingPLEASE HELP ME AND MY FAMILY SAVE OUR HOME ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on behalf of myself. It is sad that the credit reporting agencies can flat out violate the federal law like this. After several calls to XXXX, Transunion, and XXXX and the reps hanging up in my face I am here to get resolution. This is a direct violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.. I not once gave the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I will be be taking this to the next level if this is not corrected. It clearly states that once I notify each credit report agency of any error it is to be removed and corrected. I am the consumer and I am the person to identify this information for validation. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.
Product: Credit card

I was notified via XXXX XXXX that a hard credit check was added to my credit report the previous day from Captial One. I and my wife have no Captial One card and never have. I called Capital one and provided my name, phone number and SS #. They advised me that a line of credit had been opened and asked me if I had opened it. I answered that I had not applied for any type of credit from Capital One and neither had my wife. They said that they would close the account and investigate the incident. I asked for details of what State or address was used but they refused to release details until XXXX XXXX XXXX days AFTER they conclude their investigation. They advised that they would send their findings sometime within that time period. In the mean time I froze my credit with all three credit agencies and reported fraud to them also.
Product: Mortgage

To set up bi-weekly payments on the mortgage, the mortgage servicer charges a {$2.00} fee each time a payment is made - so each month you are charged a {$5.00} a month fee, and on months when three payments were made, you are being charged a {$7.00} fee. This seems like a UDAAP and possible Fair Lending Violation as I am being charged a fee to " pre-pay '' my loan with bi-weekly payments. When another servicer serviced this loan, there was no fee for this service. My loan terms currently state that there are no pre-payment fees, and by charging a fee to pre-pay my loan through bi-weekly payments, this practice seems deceptive and arguably to the customer. Over the life of a 30-year loan, these fees calculate to {$1900.00} which is more than a monthly payment. While I understand there would be a fee if you called in to make the payment on the phone, this is not a convivence fee as you have to agree to auto drafts as per the agreement to set up the bi-weekly payments. 


I have launched a formal complaint with Mr. Cooperover the phoneand the case identification number is XXXX. I have also opened a case with the NC Commissioner of Banks ; the complaint number is XXXX.
Product: Credit reporting or other personal consumer reports

The following 3 hard inquiries on my credit file on all 3 bureaus were not authorized by me. 

1. XXXX  XXXX -- Inquiry : XX/XX/XXXX 2. XXXX  -- Inquiry : XXXX XXXX, XXXX 3. XXXX -- Inquiry : XXXX. XXXX, XXXX Please remove all 3 inquiries from my credit file on all 3 bureaus.
Product: Credit card or prepaid card

Greetings, I have repeadley inquired as to the reason WHY my Master card ending in  XXXX  has not been removed. The account has been closed and inactive for more than 2 years. I need a response as the WHY the online profile can not delete this info.
Product: Debt collection

Once before, about three weeks ago, and tonight at XXXX XXXX PST XX/XX/2023, I received a phone call from a XXXX XXXX XXXX calling for Spring Oaks Capital ( a debt collection agency in XXXX, VA ) with her phone number shown as XXXX. She asked me to confirm my name and date of birth, which I did on her first call. When she claimed that I had a jewelry debt that I needed to pay to XXXX XXXX ( XXXX, Ohio, or some subsidiary outlet maybe in my neighborhood ), I told her that I don't buy or wear jewelry, never bought any, and I don't have a wife or children who might have done so. I hung up convinced it was a scam, not learning the amount I supposedly owed. 

On her second phone call, I extracted information about who XXXX worked for and to whom the debt was owed. When I asked her to state the amount, she refused if I didn't state my birthdate. I hung up again. Then I was advised to lodge this Federal complaint. 

Ten years ago I had a similar issue with a debt collector going after a man in my locale with the same surname without my middle initial. This is obviously a similar mixup. I looked up my name on XXXX and found three other men with my name, yet all were lacking my middle initial. She never stated my middle initial to me on her phone call. 

Should I email this memo to her collection agency with this information so they can straighten this out, at the same time, stating I have registered this complaint with you, the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency?
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally express my concerns regarding Experian 's handling of my credit disputes. Despite my repeated attempts to dispute negative remarks, old accounts, and late payment entries on my credit report, I have been met with unsatisfactory responses and a lack of transparency throughout the process. 

Specifically, I have requested verification of my information and documentation regarding the investigations of these disputes. Still, I have not received the necessary documentation I am entitled to. Additionally, I have noticed that many of my disputes are closed alarmingly quickly, often within a few hours to less than 24 hours after submission. This rapid closure raises serious concerns about the thoroughness and accuracy of the investigation process. Additionally, they do not provide any details on how they validated their investigation, even when I have repeatedly asked for clarification. I have written letters to the creditors to validate/dispute my information in XX/XX/XXXX. With no response from my creditors I followed the dispute guidelines from Experian and mailed letters to Experian XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, online numerous times from XX/XX/XXXX to XX/XX/XXXX, to remove the disputed information, as they are clearly in violation of the CFPB and the FCRA. Despite this, I still have not received any documentation on how they " validated '' my disputes. 

Furthermore, according to consumer protection regulations, if an item can not be verified by the creditor within the designated time frame, it should be removed from my credit report. Additionally, the information should also be removed if the creditor either fails to respond within the allotted time frame or confirms that the item is not accurate. However, despite these clear guidelines, I feel that the procedures currently in place with Experian are not being followed, and my rights as a consumer are not being upheld. 

I believe that these flawed intake and investigation procedures do not adequately convey all relevant information regarding my disputes to the original furnisher of my credit information. This lack of diligence not only affects the accuracy of my credit report but can have lasting implications for my financial well-being. 

I respectfully request your intervention in this matter, as it is vital for consumers to be treated fairly and to have their concerns addressed in a transparent manner. Thank you for your attention to this serious issue, and I look forward to your prompt response.
Product: Mortgage

I am writing to submit a complaint against Paramount Residential Mortgage Group ( PRMG ) concerning the misallocation of funds in my mortgage account. This is includes FHA Covid-19 National Emergency Standalone Partial Claim o {$54000.00} in XXXX of XXXX DEO Homeowner Assistance Fund awarded {$49000.00} on XX/XX/XXXX o Despite receiving the both FHA Covid-19 Partial Claim and the DEO Homeowner Assistance Fund to cover past due amounts and 14 months of forward payments, I still face significant financial difficulties. PRMG sends contradicting letters and statements, claiming my account is past due in the amount of {$18000.00} and that my home may go into foreclosure??? while also stating it is in forbearance. This misallocation of funds, harassment, and inconsistency violate my rights as a homeowner.

PRMG has not provided information about programs I may be eligible for under the American Rescue Plan, the extended measures of the CARES Act that provide relief for homeowners impacted by the Covid pandemic, or the expansion of Covid-19 Recovery Loss Mitigation Options Mortgage Letter dated XX/XX/XXXX. Their actions add to the challenges that Americans face as they recover from the financial hardships caused by the long-term effects of the Covid-19 pandemic. This situation is particularly concerning for homeowners who may not have the resources or understanding of their rights, I especially worry about the elderly population and those less fortunate. 

In addition to these concerns, I have encountered difficulties accessing the equity in my home, which I need to make necessary repairs and updates, my windows and doors to be energy-efficient. 
I request a thorough review of my account to ensure correct allocation of all payments and no unwarranted charges. If errors are found, I demand a correction and an adjustment of my account balance. and would like an itemized copy of their findings once review is complete for my records. 

I kindly request your assistance in resolving this matter with PRMG and ensuring that my rights and the rights of other homeowners are protected. Thank you for your attention and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see FTC report attached to this complaint. Equifax and XXXX are both knowingly and continuously reporting fraudulent information on my credit report which is a violation of the Fair Credit Reporting Act. For whatever reason, they refuse to remove the collections I have already reported as fraudulent. The accounts in question are XXXX XXXX XXXX {$2200.00} opened XX/XX/2020 for both Equifax and XXXX and XXXX XXXX XXXX XXXX {$130.00} opened XX/XX/2020 for Equifax. Equifax has stated that they neglected to remove these fraudulent accounts simply because the account numbers were not present in the report. However, after including them in the report they are still refusing to remove said items from my account.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand for immediate action regarding your failure to complete my investigation requests. I have submitted multiple requests in accordance with the Fair Credit Reporting Act ( FCRA ), yet you have failed to fulfill your legal obligation to conduct a proper investigation into the disputed items on my credit report. 

As previously stated, my personal information was exposed in a data breach, which I have documented with an official Federal Trade Commission ( FTC ) Identity Theft Report. Despite providing this information, you have neglected to take the necessary steps to rectify inaccuracies and fraudulent accounts appearing on my credit report. 

Your continued inaction is a blatant violation of my rights under the FCRA. You are legally required to investigate and correct any inaccurate or fraudulent information within 30 days of receiving a dispute. Your failure to comply is not only unacceptable but also actionable under federal law. 

I am demanding immediate resolution of this matter, including : The completion of a full and thorough investigation into the disputed accounts. 
The immediate removal of any inaccurate or fraudulent items from my credit report. 
Written confirmation of the actions taken to rectify these errors. 
If you fail to comply within 15 days of receiving this letter, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Furthermore, I will explore all legal avenues available to hold you accountable for your failure to comply with federal laws. 

This is your final opportunity to resolve this issue before legal action is pursued. I expect a prompt and satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is filing a CFPB complaint to request that the credit reporting agencies XXXX, Experian, and XXXX XXXX and delete fraudulent information from their consumer credit reports under FCRA 605B ( 15 U.S.C. 1681c-2 ). The fraudulent items in question are : A home service account opened at XXXX on XX/XX/XXXX. 
A collection account from XXXX opened on XX/XX/XXXX, with a balance of {$670.00}, which appears related to the XXXX account. 
XXXX does not recognize the above accounts or collections, stating they were not opened or initiated by them and are the result of identity theft and fraud. To support this claim, XXXX has attached a copy of the FTC Identity Theft Criminal Complaint ( Case # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and the listed on my credit report XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX XXXX is illegally and intentionally reporting a bankruptcy XXXX on my credit report. On XXXX XXXX I was advised by a Transunion representative that they validated and verified my account via XXXX XXXX on XXXX XXXX XXXX. I called XXXX XXXX on XXXX XXXX, XXXX to confirm how this was because I put a complete freeze on my consumer report in XX/XX/XXXXdue to fraudelent activities. I was told by a XXXX, ( XXXX ) that i indeed have a freeze and no one including Transunion has access to my report but THEY ( XXXX XXXX ) contacted Transunion on XXXX XXXX to verify and validate the dispute I had with them regarding the inaccurate reporting of the bankruptcy reporting on my consumer report with XXXX XXXX. I was and still in total disbelief that both companies are disregarding the FCRA law as it pertains to how a consumers information is to be validated and verified and reported which is only through the original furnisher which in this case would have been the Bankruptcy Court which they ca n't validate. This bankruptcy that Transunion and XXXX XXXX are illegally and inaccurately reporting on my report has not been validated within the 30 days and must be validated thru the original furnisher and was not. I plan to sue both XXXX XXXX and Transunion for their unethical business practices if not removed immediately as required by law. Please assist in giving them guidance and instruction on this matter. It 's blatant XXXX XXXX has broken the law and provided someone with my information with out authorization after my report was frozen and it 's blatant that Transunion did n't verify the dispute in accordance with the law because they ca n't but they continue to report rather than delete as required. They claim they both contacted each other to verify so how did it get verified if either party verified. I do n't have a bankrupty reporting on any other credit bureau but Transunion.
Product: Debt collection

I have filed a dispute due to the inaccurate information on my credit report as reported by Pinnacle Credit Services. I never received a response back concerning the account. The item listed by Pinnacle has missing information such as the proper open account date. The OPEN DATE is in direct conflict with the Date of last activity. This account is in error and should be removed from all XXXX credit bureaus. The account number is XXXX.
Product: Debt collection

I XXXX XXXX received a notice of an attempt to collect an alleged debt from Sunrise Credit Services , Inc. Sunrise Credit Services has not provided adequate documentation for me to validate my obligation to the alleged pursuant to 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate. Without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Fincial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File no. XXXX ) XXXX them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

My credit score took a XXXX to hit today because of an emergency room visit..I have worked hard to get my credit score up to get approved for a home for my family and was in the process of looking at houses..Now I'm back at square one.