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

XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute multiple inaccuracies on my credit report. I recently reviewed my credit report and found errors that need to be corrected as they do not accurately reflect my credit history. Below are the details of the disputed items : Items Being Disputed : Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Error Description : OWNERSHIP Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy of consumer reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute.

I have attached copies of relevant documents, including my credit report with the disputed items highlighted, a copy of my identification, and any supporting documents that verify my claim.

I request that these errors be investigated and corrected promptly. Please provide me with written confirmation once the changes have been made. If the information can not be verified, I ask that it be removed from my credit report immediately, as required by law.

Thank you for your time and attention to this matter. I appreciate your prompt resolution and look forward to your response. 

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

I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and  they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists on my credit report.
Product: Mortgage

- XXXX XXXX XXXX XXXX XXXX XXXX is I guess released - XXXX XXXXXXXX we purchased our home financed with Homebridge Mortgage Company ( HB ), we were required to get flood insurance which we did with XXXX XXXX XXXX XXXX  ). 
- XXXX XXXX HB sent XXXX-home insurance branch a notice stating that the loan had been refinance. 
- XXXX XXXX we refinanced our loan with Homebridge, the loan stayed with HB. 
- XX/XX/XXXX HB sent a letter to XXXX-flood branch that the loan had been paid in full and to remove them from the account. It had not! We continued our mortgage with HB until they sold it to XXXX in XXXX of XXXX. 
- XX/XX/XXXX we get a bill from XXXX, we call XXXX to confirm if payment is required, they stated no, HB has payed it you don't need to worry about the bills your escrow account covers it. 
- XXXX XXXX annual flood insurance premium was payed by HB to XXXX. Insurance is now good from XXXX - XX/XX/XXXX we get a letter from HB stating our mortgage has been sold to XXXX. But that all insurance companies will be notified. 
- We make a XX/XX/XXXX payment to HB. In the escrow disclosure it shows they had the annual amount ready, it was never transferred. 
- XX/XX/XXXX we get a call from XXXX stating as such. The last day of the window. Even though all the correspondence we have from them states " Premium Payment Penalty- To avoid a lapse in coverage, payment must be received within 30 days of the expiration date of the policy. If payment received more than 29, but less that 90 days after the expiration, the policy will be reinstated with a 30 day waiting period. The new effective date of the policy will be 30 days from the receipt of payment. If the Alternate Coverage is selected a 30 day waiting period may be required. '' - XX/XX/XXXX XXXX XXXX goes into effect. 

- XXXX is saying it is HBs fault for not updating the paperwork correctly for the Flood policy. And HB is saying it was never sent a bill for the insurance even though they should have paid it with the XXXX XXXX release of funds. XXXX  won't follow their own policy blaming XXXX because now we MUST have a new policy ( which contradicts the legal disclosures on paper correspondence ) and our new mandatory flood policy with XXXX is not {XXXX} per year, but an additional {XXXX} per MONTH. We are not being given any other options, neither HB or XXXX  are disclosing communications they have had with each other to us the person paying the bills. 

No one disclosed this to us. XXXX lawyers and communications department did no outreach to effected consumers. HB filled bad paperwork and now my family is being punished for not knowing the rules of the game. How is this legal and fair practices? The XXXX XXXX states that increases are to be done gradually. This is not gradual. We understand that this is coming but we can not afford this insane of an increase right away. Please help us. We need time. The only policy documents that explain our flood policy in detail are dated XXXX which does not reflect the XXXX adoption of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I Reviewed my consumer report and noticed that i had XXXX late payment on an account that I was never late for consuming reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of thier liability with maximun acuracy. I have never been late on payment fot the account # XXXX from XXXX XXXX. Please investigate and provide proof with statement showing that this payment were late. If proof can't be provided I demand these payments be update to on time as they should be as I was NEVER late.

Eventhought this account was payeed totaly.

Thanks!
Product: Credit card or prepaid card

My Citi Card credit card has trip delay insurance as part of its benefits ' package. On XX/XX/XXXX filed a claim, Case Number XXXX, Citi card ending in XXXX, in connection with an overnight delay in my trip caused by maintenance issues with XXXX XXXX. The trip date was XX/XX/XXXX. My claim was denied. I requested the credit card company re-evaluate and I made a phone call, and it was again denied. 
My flight from XXXX airport on Thursday, XX/XX/XXXX, was delayed over 12 hours until the following morning, Friday, XX/XX/XXXX. As a direct result of this delay, I was forced to spend the night with my family in XXXX, incurring meals, hotels, and other expenses. I submitted all the documenation of the expenses and the delay as required in my claim form. Prior to incurring any expenses for hotels, meals and other travel expenses. I contacted Citicard Benefits on the evening of XX/XX/2017, to ensure my trip and travel delay expenses would be covered. I pulled up the language from my benefits ' package before incurring any charges on XX/XX/2017. I am a lawyer, and I read through their benefits, and I believed my expenses would be covered. I called them to double-check that I was interpreting the language correctly. 
When I called, Citicard Benefit representative assured me that my trip was covered. I can provide you evidence from my cell phone records of this phone call, should you desire it. In reliance upon the assurances I received from Citicard 's Benefit Specialist, I proceeded to incur expenses in the amount of {$660.00}.
Product: Debt collection

On XX/XX/2019 I reached out via Certified Signed Tracking mail advising copy to mail me validation of a so-called debt in which this company has re aged reporting on my credit files this company had 30 days from my letter and has refused to validate There claims I advised this company under credit Reporting Act section 1692g that I have a right to a legal form of debt violation I asked this company to stop reporting this illegal debt on my credit files and they have refused this company is reporting false incorrect balance amounts, false Ownership of this debt, reporting a Re-aged debt I called this company on XXXX at XXXX XXXX spoke with a supervisor and that supervisor advised me that the account had a Cease and Decease action report in there system however this company has neglected To advice the Credit Reporting agencies To remove this account
Product: Credit card

I am having the exact same issues with this financial institution as is described in the PayPal extras mastercard review link provided below. I need help recovering my account payments in the amount of approximately {$2600.00}. They refuse to credit it to my account so that I may have my credit for spending reflect my payments made and collected by them. This is a real scam that needs overseen by some agency with the authority to shut them down. 

XXXX
Product: Debt collection

On the day of XX/XX/2023 Consumer Portfolio Services ( CPS ) sent a receipt that they received initial letter of rescission but did not lawfully return all payments back to me within the 21 days given from their notice. Pursuant to 15 USC 1635 ( b ), this is default and shall allow me to exercise my necessary right to arbitration to seek relief for damages.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I opened a charge card account with American Express and being promised that I will get XXXX reward points after spend {$2000.00}. 
I received the reward points after I made a car rental deposit at XXXX and American Express took the reward points back after I return the rental car and get my deposit back. I called to ask American Express what's happened they told me they thought it's a purchase and return so they took the points back. 
I explained what's happened and the customer service told me no worry I will get the points back if I reach the purchase of {$2000.00} before XX/XX/XXXX. I did more purchase and reached more than {$2000.00} at XX/XX/XXXX but did not get the points back. 
I called back to American Express they told me just wait 8 to 12 weeks I will get the points. After more than 12 weeks, I called back again and been told I will get the answer after 10 business days.

After more than 2 weeks, I called them again and they told me my purchase at XX/XX/XXXX is too late. I point out I was been promises I just need reach the purchase of {$2000.00} before XX/XX/XXXX, but the customer service said she can not reach the records and will do nothing to help me. 
I had called American Express so many times and each time they ask me to explain the whole story again and the only response I got is longer waiting time and trying to sell me more credit card from American Express. I was trust American Express so I moved my major charge card and credit card account to them when their sale promised a great service. I did not expect the service will be like this and even more the customer service lied to me. 
Today the customer service lady said she can find no one to help me and there is no customer compliance number for American Express. I do trust CFPB is the only way I can let them know how much they can hurt the credit card business when lie to a customer.
Product: Mortgage

On XX/XX/XXXX, I called in to request mortgage assistance. At this time my XXXX or XXXX payments had not been made and I know I needed help. I had already had one 30 day late reported to my credit and didn't want to go 60 days late. In XXXX we had come down with XXXX, us and our XXXX kids for almost the entire month. That put us behind on everything. Mortgage companies have been helping people with this. I called in and went over everything that happened to put us behind and all our financial information and she said that we could put our loan into forbearance until XXXX. She tried to get our current late payments waived but they weren't able to do that. I was happy just to have some relief to help us get caught up. I accept the forbearance and we hang up. In mid XXXX, I get a threatening letter stating my account is delinquent and failure to bring it current will result in foreclosure. This wasn't making sense to me since I had just put the loan into forbearance. I called in again ( waited on hold for about 45 minutes ). Finally got someone on the phone. Told her what happened and she kept asking if I wanted to extend my forbearance. I explained to her that I called in and last month and it should be good to XXXX. I shouldn't need to extend anything. She said I wasn't currently in forbearance. She then put me on hold and looked into it. I guess they weren't going to start my forbearance until XXXX. I don't understand why since my hardship is right now. Now I have 2 mortgage lates on my credit and additional late fees. She also was semi laughing at my problem and didn't want to be helpful. I asked her to please explain if my forbearance starts in XXXX, what happens with my XXXX, XXXX, and now XXXX payments that weren't made. Do they get included in the forbearance or how does that work? She couldn't or wouldn't explain it to me. She then hung up on me. There was no attempt to call me back to help get my issue. So again I call back in and wait on hold for 48 minutes. I finally get someone helpful on the phone that says my account unfortunately had a system error or is stuck in the system and it's not showing the forbearance on their end. He put in a request to get it fixed but wasn't able to tell my any further information other than to call back in 5 to 7 business days. I'm told that unfortunately they can not help me resolve the mortgage lates on my credit or waive the late fees. Neither one should of happened. I'm trying really hard to be patient and wait the 5 to 7 seven business days for them to fix their system error and then for me to call back in, wait on hold again, and then possibly find out why they didn't start the forbearance until XXXX and what will happen to the now 3 payments that I'm behind. Will I get to keep my house? Who knows. I feel that they do not care and are not helpful.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I have multiple accounts reporting on my credit reports, I'm a victim of identity theft, I have filed a identity theft report, a police report and send in my verification documents and these accounts have not been blocked from my credit report.

I need these items removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I would like to thank your company for the many great years of service that Ive experienced as a customer. I have been very loyal during this time ; however, I am requesting some assistance from you if possible. 

Ive experienced some rough patches in life that were very difficult to handle due to some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Apart from those few late payments, my track record for paying on time has been great. However, the few times that I was late shows on my credit report, and this can make it extremely difficult and hard to qualify for a mortgage, auto loan etc. As Im sure you know.
Product: Debt collection

When checking derogatory remarks on my credit score, it shows that I STILL owe on this debt. Despite the fact that this was from XXXX a few years ago claiming I did not return equipment, which I did, When I went on their website to pay the total, the option came up to settle for {$41.00}. I have paid this debt to Stella Recovery and should be removed from my credit report.
Product: Credit reporting

Dear TransUnion I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Under the FCRA , I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors. 

XXXX XXXX XXXX XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's mistakes Because it does not match my records.
Product: Credit card or prepaid card

Bank of America allows you to set up an autopay function using their e-bill service. When you select what amount you want to pay, you have 4 options : Minimum Due, Amount Due, Account Balance, and Other Amount. 

Generally with other banks, you are given the option to pay Minimum, Statement, or Current Balance.

I believe Band of America intentionally uses vague options to confuse customers and collect finance charges. 

Amount Due is not equivalent to Statement Balance even though Bank of America indicates amount due autopays based on the amount outstanding from the bill. 

Account Balance is what you need to use to avoid finance charges. 

It feels like BoA intentionally made this process vague.
Product: Credit reporting

I have sent in a multiple inquiry letter more then once to Equifax trying to get these unauthorized inquiries off my credit report because they are unable to verify the inquiries and I have contacted the creditors to make them aware they are fraudulent and they referred me back to the credit bureau and I am tired of getting the run around and just would like them removed off my credit report. I am trying to buy my first home and all these inquiries do not look good with the lender XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts with all for the credit bureaus for the accounts reporting with XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX, Barclays Bank, XXXX XXXX, XXXX, XXXX XXXX and XXXX are not mine, I have sent this info to each creditor along with the credit bureaus directly by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never repined any replies from any of the companies, but XXXX  and XXXX  have replied back, but the investigations are not completed accurately. I have sent over request to have the results of the investigation forwarded to me.,
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the credit company 's claimed that the information for a bankruptcy was verified. In your response you said the account was verified by XXXX XXXX, I disputed the accuracy of this information and they could not verify the account! You have violated my consumer rights. 
You stated that the account was verified, how did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose. 

15 USC 1681b ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose.

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report.

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with transunion. pleas delete an remove all invalid data asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed that there several hard inquires in my credit for XXXX car dealerships. I also noticed that someone tried to apply for a mortgage as well.