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

Experian has failed to fulfill its obligation under the FCRA. Fair Credit Reporting Act, to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB credit financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer provided evidence to furnishes, accepting unreliable responses and failing to adequately provide or notify customers of dispute outcomes. These issues or failures align with my personal experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. This is a continuous pattern that is causing ongoing problems issues and harm to my credit standings. I am requesting immediate correction or corrective actions, as Experian inaction violates federal laws and my personal rights as a customer or consumer
Product: Credit reporting

On Wednesday XX/XX/2016 I checked my credit on XXXX and t total of XXXX hard inquires and XXXX collections were removed from my report. I check my account again XX/XX/2016 and all XXXX hard inquires and XXXX collections were placed back onto my report without sending me a reinsertion letter as required by FCRA section 611. I have called Transunion at least once week since then to try to get this issue resolved and have received no help, no one will transfer me tor connect me to american representative or the fraud department, multiple agents have been belligerent, some have even told me they know what happen but it 's basically too bad and that i should just file a complaint because they will not fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter to XXXX, XXXX, and Transunion to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Mortgage

There is an issue with shellpoint company that the employees have not been able to fix I am requesting your assistance Please have someone reach out to me. 
They have not fix the modification paperwork for me to sign They have restricted. My access to my online account and they dont even want to take my payments now This is serious
Product: Mortgage

in 2004 my ex husband sold our family home the loan was obtained by fraud .lapd documents and court papers to substantiate the claim chicago title were the insurance company and after 3 years of court i was given the home back as my own property as well as a judgement for XXXX from chicago title at that point chicago title had me agree with a balloon payment for XXXX under duress chicago title had me agreeing to a 5 year balloon payment, instead of going after my ex husband the perpertrator then in 5 years one of the lawyers for chicago title made an agreement for XXXX payment for back property taxes in exchange for deed, now at this point a rental agreement for the property, i have paid over 90000.00 and facing an eviction and have been made an offer to by my home for the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent in letters stating the account I'm going to be listing in my complaint are not accurate and the Credit bureaus violated my right as a consumer. According to the FRCA section 15 USC 1681 section 604A, the law clearly states a consumer cant report anything on my credit report without my written authorization and you can clearly see these item on my file : the follow item are also reporting inaccurately XXXX XXXX  account # XXXX this account date of last activity is in incorrect but this account was verified as accurate how is that so... 

XXXX XXXX  of XXXX  account # XXXX account Date of last activity is incorrect how was this account accurate? 

XXXX XXXX XXXX  account # XXXX the date of last activity is incorrect can be accurate XXXX XXXX account # XXXX Date of last activity is incorrect cant be accurate and verified as such. 

XXXX XXXX XXXX XXXX  account # XXXX this account is showing different dates for the date of last activity and the account showing an open account which incorrect but this account was verified as accurate which is a lie ....
Product: Credit card

Apple ( Goldman Sachs credit card ) had a promotion that stated when you buy a laptop under educational pricing, you get a {$150.00} gift card. Instead, what they did was deduct the cost of the gift card from the laptop and then charged me for the gift card in monthly installments of XXXX a month for the next year. When I spoke to the representative, he agreed that it didnt make a whole lot of sense. The first representative that I spoke to told me that I would get {$150.00} back and then it would be credited to my account. I waited for three weeks for the credit- it never came. The second representative said I couldnt get it back they would give it back to me as some sort of store credit for items that I dont need. This was a misleading promotion, why tell people that youre going to give them a free card if they have to pay for it? Their promotion made it sound like the gift card was free. And the credit that they said they would give to my account has terms to it because I cant even use it on XXXX XXXX items. They are currently running this promotion with a {$200.00} gift card so this nonsense is going to continue for some other customer.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Checking or savings account

I have filed two CFPB complaints # XXXX-XXXX  on XX/XX/XXXX, and # XXXX-XXXX  on XX/XX/XXXX. 
Both were closed when Chase Bank replied to the complaints. I would like the complains to be reopened. I provided feedback to the replies for the second complaint, but it seems that my feedback has no effect to reopen the complaint. 
As I stated in my feedback, Chase 's response to my complaint was totally inadequate. They " SUSPENDED '' my fund 's and offered no method for me to receive them, or have them returned to the issuers. 
I have called the Chase Executive Office numerous times at the number at the bottom of their reply, and was given the extension number for a man named XXXX at XXXX. 
I have called the extension numerous times, and each time I have left a voice message explaining my case, but have not received a return call. 
I would like my complaints to be reopened so that Chase would have to reply to my feedback/ complaint.
Product: Credit card

XX/XX/XXXX & XX/XX/XXXX - I made a double payment to my credit card account by accident. On XX/XX/XXXX I disabled my auto pay and made a manual payment in the amount of {$9800.00} to XXXX balance my account. The next day my auto pay went through in the same amount. 
XXXX - I requested a refund check in the amount of {$9800.00}, instead a credit balance was posted to my account. 
-- >In the weeks following I made several calls to Capital One to rectify the situation as I did not want a credit balance, instead I wanted a refund check. Two separate checks were sent, one in the correct amount which I attempted to deposit but it was returned by my bank as Capital One had issued a stop payment on the check. The second check was in the amount of {$9600.00} deducting interest on the account. I was told to discard this check which I shredded upon arrival. 
XX/XX/XXXX or XX/XX/XXXX - another call to customer service and I was told a check for {$9800.00} had been re-issued and was on it's way. 
-- > I requested on several calls to have the fastest refund payment possible. I was told on two separate calls that an ACH deposit request was made and in process, no ACH deposit ever received. 
XX/XX/XXXX - I call Capitol One again to find out the status of my refund. I am told the previous ACH was never submitted and the agent on the phone was submitting again for review. I would be contacted in 5-10 business days with an answer on the ACH request. Never received any call or communication about ACH. ( Case # XXXX ) -- > I write and formally send two letters of complaint to Capital One financial corporation in Califnornia and Virginia. No response as of XX/XX/XXXX. 
XX/XX/XXXX - I receive a new check in the amount of {$9800.00}, I am unable to deposit before a long holiday vacation. I deposit the check on XX/XX/XXXX and the funds are posted on XXXX XXXX 
XX/XX/XXXX - I receive notice that the check I deposited in my bank has been returned and a stop payment from Capital One. 
XX/XX/XXXX - I call Capital One and I am told that check ( check # XXXX ) was issued on XX/XX/XXXX and had a stop payment. I am told a new check ( check # XXXX ) was issued on XX/XX/XXXX and should be arriving in a matter of days. Agent, XXXX assured me that the check did not have a stop payment issued on it and I should wait for this fourth check. ( Case # XXXX - customer service senior agent, XXXX ) Initial double payment XX/XX/XXXX & XX/XX/XXXX of XXXX. Here I am on XX/XX/XXXX and I still have not been able to collect my refund in the amount of {$9800.00}. I have closed my credit card account with Capital One as of XX/XX/XXXX and have no open accounts with the bank. I have requested multiple times to have my call transcripts emailed to me so that I can review the dates, case # 's and check numbers and sort out the sequence of events. The agents will not share my transcripts and claim they can not escalate mt issue to another level or transfer to another department. The phone # I am calling is the public customer service number listed online for Capital One, XXXX
Product: Mortgage

SIRVA Mortgage mishandled the renewal of my homeowner 's insurance coverage and as a result my coverage was cancelled. They are now trying to purchase coverage on my behalf and more than twice the cost of my original policy. My insurance company, XXXX sent the premium notices to SIRVA in XXXX, using the same address as the prior year. On XXXX XXXX, I was told by the insurance department the notices were not received and instructed to email the renewal notice to them. I emailed the renewal on that date. On XXXX XXXX, they claimed to have never received the emails, even though they acknowledged the email address was correct. The policy lapsed on XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$7200.00}, {$2500.00}, {$7300.00}, {$0.00}, {$0.00}, {$40000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account.
Product: Debt collection

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 instruction 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

There are many things reporting to the bureaus that is not verified to be my account. I need this removed immediately I sent in numerous letters to them to remove it and still no update
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION : reporting my name, employer and several phone numbers incorrectly. My name shows as XXXX XXXX XXXX and it should only report as XXXX XXXX. Also, you are reporting several phone numbers that I have never owned and they do not belong to me. Please remove the following phone numbers from your report. Also, please remove the employer UPPING XXXX XXXX XXXX my employer is XXXX 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my report. XXXX is reporting Employer as XXXXXXXX XXXX. They are not my employer XXXX is my employer. Please update my employer to say XXXX. 

XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my credit report.
Product: Mortgage

My complaint is with GreenTree Servicing. I took out a mortgage with them in 2001 when I had a full time job. My interest level was 10 %. I no longer have a full time job. Over the years I have contacted them when my mortgage fell behind. There has never been much help just bandaids to the problem. I am now collecting Social Security benefits and do not work. I have attempted to get my interest rate ( 10 % ) lowered on numerous times but to no avail. The first time I applied for the MAKING HOMES AFFORDABLE PROGRAM, program I was told to submit the documentation and I did. I would get notices that I was missing documentation, etc. which was not true. If I called customer service to see where I was in the process I was told to contact the XXXX XXXX office. Finally after weeks I gave up and sent them a letter saying I was tired of it all and just gave up. Next time I attempted was about a year ago. Submitted everything, and never heard a word. Waited, Waited and Waited. Finally I called Green Tree 's XXXX number and spoke to someone who told me ( after I jumped through all the paperwork hoops ) that GREEN TREE did not participate in the program. So, another road block to get help with this mortgage. My mortgage was for 30 years. I still have 15 years left and I still owe almost as much as I started out with because of the outrageous interest rate. Are there any programs out there to help people in my situation? My loan payment is being eaten up by the interest and I do n't believe GREEN TREE treated me fairly when I tried over and over to get help.
Product: Student loan

So, I'm trying to go debt-free and I've been making " overpayments '' toward the principle of my loans here and there over the last couple of years. Or, I thought I was anyway. I got frustrated because it seemed like my loan principle wasn't getting any smaller and I was right, it wasn't! I went looking for why and it turns out Navient applied all of my extra payments to the interest instead of my principle! They're sneaky about it too, when you make extra payments via the online dashboard, they call it an " overpayment '' but they don't let you specify where you want the money to go. I figured since it was an overpayment, it would go onto my principle ( since they don't have the option to specify ). NOPE! Not only were they stealing my overpayments, but they also have not been reporting my payments to the credit bureaus. 

I tried to find my monthly statements ( which they all but hide from you ) because I coud n't see a breakdown of my accrued charges on my dashboard. When I finally found my monthly statements, they're hard to interpret. Utterly ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Loan # XXXX for XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX under the names XXXX XXXX and XXXX XXXX is being reported late to the credit report. This is in the process of getting mortgage assistance due the corona virus because of financial hardship and loss of income. We were told it would not be reported late until after the process was completed. However, there have been 2 late payments reported to Transunion credit agency. I am requesting this be taken off ASAP as you have done this in the past. This is the 3rd time you have done this and this lowers our credit score. There should be NO LATE PAYMENTS REPORTED while the application is in process. If you need to contact me please contact me at XXXX. Please remove this ASAP. You reported this as late on XX/XX/2023 on Transunion. The late payment information is below : Credit Alert Delinquent Account Reported By XXXX XXXX - A DIV Reported On XX/XX/2023 The loan is under a mortgage modification program due to corona virus and should not be reported late at all and no negative information should be put on the credit report because of this. This is the 4th time XXXX has reported this late!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company sold my loan to another collection agency without knowledge of transfer of debt nor a contract with me the consumer.
Product: Credit card

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan that was supposed to help repair my credit. It was a {$1000.00} loan but they gave me {$250.00} up front and then i was to pay XXXX every two weeks to a credit reserve. Once i paid the {$1000.00} i should be able to withdraw the funds. I paid back {$310.00} over the first 12 weeks and then asked to close the loan since i repaid the {$250.00} they gave me plus interest. On multiple times they refused to close the loan. They are charging me interest on money i do not have and they did not give me. The only interest i should be paying is the interest on the actual funs they gave me which was {$250.00}. They refuse to close the account and tell me we can close it in 3 days and then 3 days comes they have closed the accoutn and instead keep asking me to pay more money. It never ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found multiple billing mistakes. The late payments listed do not reflect my typical payment history. Please fix these errors and update my account. Thank you.
Product: Debt collection

On XXXX at approximately XXXX XXXX, I called XXXX and spoke to the representative. I requested information to be mailed to me so I could verify and he stated " He will not mail it! '' I asked for a supervisor and he then stated the supervisor will not mail anything either. They are very unprofessional! I was disappointed and hung up. I tried to get info on the collection account. I prefer they remove them immediately from my credit reports and cease all contact with me according to ( 15 USC 1692c ( c ). 

XXXX XXXXCollection