23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home in XX/XX/2002 for XXXX and after 15 years XXXX different mortage companies my payoff is even greater now at XXXX than it was 15 years ago. The first company was XXXX to XXXX and now Nationstar Mortage. I feel as if their has been so mortage fraud between the life of my loan with the multiple transfer
Product: Credit card

somebody opened a comenity bank/XXXXXXXX XXXX credit card in my name and maxed it out, i received the credit card in the mail. I was confused so i activated it and created a XXXX XXXX account to log in, then i seen the card was maxed out and had a delivery to XXXX, New jersey.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is constantly changing the balance they say I own on my credit report. The account shows charged off and is constantly updating higher balances on my credit report. I have sent in letters to XXXX XXXX XXXX XXXX and the credit bureaus asking for debt validation that this is in fact my account. I had an account with XXXX XXXX XXXX XXXX before and I paid it off as agreed and it is closed. There is this charge off account on my credit report that is constantly changing balances that don't belong to me. No one as sent me any correspondence of proof that they verified this debt is mines. Even the credit bureaus have not done their part in investigating this. The account I am speaking of ends in XXXX per my credit report. I demand this be removed from all three bureaus since I have been disputing this for years and no one looked into this for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

Western Union repeatedly uses exchange rates far below the actual rate. for instance. Today I wanted to send money to XXXX. The posted rate was XXXX to XXXX but Western Union only gave XXXX toXXXX. They always given lower than the actual rates but lately they keep getting worse and worse.
Product: Credit reporting or other personal consumer reports

XXXX has repeatedly denied my disputes, claiming the information is accurate, despite clear evidence to the contrary. I believe this conduct violates several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies like XXXX have a duty to ensure the accuracy and completeness of the information they report. Specifically : 1. 15 U.S.C. 1681e ( b ) : This provision requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. By failing to adequately investigate my disputes and relying solely on the furnishers verification, XXXX has failed to meet this obligation. 
2. 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Court decisions such as Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) affirm that a superficial or automated reinvestigation process does not satisfy this requirement. Experians consistent denial of my disputes without proper investigation suggests a violation of this statute.

3. 15 U.S.C. 1681c ( f ) : The FCRA also prohibits reporting information that can not be verified. Given that XXXX continues to report incorrect information despite my disputes, it raises questions about their compliance with this provision. 

Negligence and Reckless Disregard Courts have held credit reporting agencies accountable for negligent or reckless behavior regarding the accuracy of consumer reports. For instance, in *Cushman v. TransUnion Corp. , 115 F.3d 220.
Product: Vehicle loan or lease

I got a loan for a car. I made all payments on time as they were set up for auto draft on lender 's web app. The account got sent to collections due to " being several months behind on payments '' according to the representatives on the phone. They pull the payment history and they are all on time. Then they say I am in collections because I am not paying my bill. Their collections department tried to get me to settle at a reduced amount. I refused. I am now set up for a payment plan to pay off the remainder of the loan. It is showing as a charge off on credit report. The lender refuses to change this status. I tried to dispute with credit beaurogh, but they just added that all payments were made on time and left charge off. My credit is still shot when I did everything right.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent Experian explaining to them that I recently challenged the validity of a few accounts thats being reported on my Experian credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian company they verified these same accounts. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, however Experian never showed any proper documentation to verify these accounts. Since I sent Experian the proof that XXXX deleted the accounts that they found to be inaccurate, Experian has not resolve this issue and its been more than 30 days. I'm demanding EXPERIAN to DELETE these following accounts from my credit report immediately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  -  XXXX  Tried to get late payment off of  TransuUnion  credit reports record because this account has been closed as a charged off for years and I am not liable.
Product: Mortgage

I paid into my escrow account monthly so that my Home Owner 's Insurance would be paid " hassle free '' every year by my mortgage company. 
On XX/XX/XXXX BSI Financial wrote and mailed a check to XXXX XXXX XXXXXXXX XXXX for XXXX. I assumed the check paid the annual premium and all would be well. 
I checked my Escrow balance and the XXXX had indeed been deducted, so again, I reasoned that the Insurance Premium had been paid. 
XX/XX/XXXX, I received a notice of non payment from XXXX. So, I called BSI who said the check had accidentally been sent to the wrong department, but would be reissued promptly. 
XX/XX/XXXX, I received another notice of non payment from XXXX. Again I called BSI who assured me the check was on the way. 
XXXX agreed to keep the policy active while waiting for the check. 
BSI kept insisting the check had been cashed. I asked for a front and back copy of the cashed check to provide to XXXX ( this request was initially denied ) Inevitably, XX/XX/XXXX my insurance agent informed me that my homeowner 's insurance policy had been cancelled due to nonpayment. 
I called BSI Financial who provided a check # XXXX showing that the check was paid. The ball pings back to XXXX. I call XXXX and provide the check details and the front and back check copy. XXXX informs me that they never received the check. XXXX 's endorsement stamp is not signed on the back of the check. Someone wrote their name on the back of the check. So the ball pings back to BSI. I called and asked BSI to investigate who's bank account the funds went to and to please help me recover the missing funds. ( Obviously, I did not write a personal check, so I have no authority to call BSI 's bank and report a fraudulent check and request the funds to be recovered. ) BSI insists that XXXX is responsible because BSI mailed the check to XXXX. XXXX XXXX, also points out that the check has no notes in the memo section to include a policy number or policy holder name. The check looks very shady. XXXX insists they never received, much less cashed, the check. Now, BSI has the responsibility to follow up and ask the bank to recover the funds if the check was fraudulently cashed. I am stuck in the middle. I now have $ XXXX missing from my escrow account and a cancelled home owner 's insurance policy.
Product: Credit card

Earlier this year, I filed a {$270.00} dispute against XXXX XXXX through my AMEX Platinum for services I did not receive and poor quality of services. I uploaded an explanatory letter, receipts and photos of the filthy van that I had NOT booked, yet I was obliged to take because XXXX XXXX would not cancel the booking and give me my money back. We were misled, deceived and lied to by XXXX XXXX XXXX XXXX  told me that I had to cancel the perfectly valid car insurance that had cost me about {$60.00} to acquire a {$270.00} new one to cover the van that I had neither booked nor wanted. This was not necessary. My original car insurance was perfectly fine, even for the van I did not want. Days later, the filthy, defective van two company workers were eating inside of it before it was turned over to us broke down in a mountain and it had to be towed. All these photos were submitted to AMEX. The van was so not ready to be used by customers that the tank was not even full. 

On XX/XX/2024, after I had already been credited {$270.00} by AMEX and provided ample evidence that I XXXX XXXX had failed to deliver the services I had booked and replaced it with a defective, faulty van, I found out that I was being re-billed by AMEX. During this time, not a single time did I receive any notifications from AMEX to inform me that XXXX XXXX had responded to my dispute. AMEX simply cancelled the dispute and re-billed me without reviewing any documents or photos I had uploaded. 

On XX/XX/2024, I contacted AMEX customer service in any possible way I could. Chats with AMEX customer care agents turned into a nightmare. The phone app got cut off multiple times : I was transferred from the dispute to the fraud department as a ping pong ball and informed that XXXX XXXX had responded to the dispute and had also asked AMEX to assess a late fee ( as punishment for opening a dispute ). A late fee for what? For exercising my rights? 

I demand that AMEX re-opens this dispute immediately, reviews all the documents I diligently uploaded to their portal, and conducts a rigorous investigation into XXXX XXXX and their misleading consumer/business practices. This is serious misrepresentation on the part of XXXX XXXX, and it's concerning that AMEX cancelled the dispute without my knowledge. Evidently, AMEX did not review the documents I submitted and took XXXX XXXX XXXX arguments at face value at my expense. But I am the AMEX client, not XXXX XXXX 

Adding insult to injury, the XXXXXXXXspeaking agent I talked to over the phone in an attempt to gather information about my disputes and fraud case, treated me in a condescending way, talked me down, dismissed my claims and refused to connect me to the fraud department. Sheer incompetence. This is not the AMEX experience I signed up for, particularly because I pay a hefty annual fee, and I've never been late on any payments. 

My dispute has been grossly mishandled by AMEX. I expect better from you. 

XXXX XXXX never responded to the claim I submitted by email.
Product: Debt collection

I am writing to challenge the reporting and compliance on an account with [ XXXX/XXXX ] that is being reported on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that they are reporting [ an incorrect/missing account number XXXX ]. 

Their improper procedures are highly damaging to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted dispute letters to the XXXX CRAs ( XXXX, XXXX and Equifax ) about the inaccuracies and inaccurate reporting on my credit report.and yet nothing has been taken care of nor have I received any correspondence to what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item on my credit report between XXXX XXXX XXXX. Attached to that dispute was a copy of an identity theft report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax should have already removed this item due to the identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) states the following ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX XXXX # XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) # XXXX XXXX # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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: Credit reporting or other personal consumer reports

I purchased a home using Veterans United Home Loans, short time after I was put on various military orders, I turned in copies of the orders for SCRA protection, the government shut down and I was not paid in a timely manner, so I requested Hardship assistance. I turned in the documentation and they would send me a letter saying it would take 30 days to make a determination, at day XXXX they would say that my documentation I provided was not current and I would have to turn the documentation in again with up-to-date documents. I did this 4 times, during that time I was not serving in the state in which I reside and purchased my home. I submitted a copy of my marriage certificate, a copy of the Power of Attorney for my then husband to make payments on my behalf. They refused to allow him to make payments on my behalf. This made the payments further behind as I was XXXX difference in time. When I returned state-side I tried to make numerous payments, but they said that it had entered pre-foreclosure and that I would have to pay the amount in full and they would not accept partial payments. I sent the payments certified by my bank. They would then mail me a check back for each and every payment I made. I did a short sale on this property for XXXX when the balance that was owed was XXXX. The mortgage was sold to XXXX XXXX XXXX during this time, and they charged property preservation fees, property inspection fees, XXXX XXXX fees totaling, XXXX per diem interest all of which totaled a little over XXXX. When they put the property into foreclosure is when I found out that there was a medical debt lien on the property and included XXXX XXXX XXXX on the foreclosure paperwork. When I closed on the property, I was given a check for XXXX dollars as well as a XXXX saying that some of the debt was forgiven, but I believe that this company not only violated my SCRA rights, but illegally started foreclosure, added illegal erroneous fees to make a profit, and used a debt collection attorney and lied to the court in which they filed the documentation. They stated they used the courts system to check if I was military, but yet both XXXX XXXX and XXXX XXXX, were well aware of my XXXX XXXX by me informing them with my orders to XXXX XXXX status.
Product: Prepaid card

On XX/XX/year>, I went to the CHASE bank to withdraw {$200.00} from my benefit card, which represents child support funds, at a bank ATM. Although the machine appeared to function normally, an error occurred during the transaction, and the cash dispenser did not release the funds. I immediately brought the issue to the attention of the bank manager and staff, but they were unhelpful and dismissive, instructing me to contact the child support office.

After reaching out to the child support office, they informed me that once the funds are released, responsibility falls to the bank, particularly in the case of ATM malfunctions. I have four records detailing the transaction, including the date, time, terminal ID, and sequence number. Additionally, I took a photo of the machines serial number, part number, and type. The receipts also indicate that the machine was out of cash. 

Despite expressing my frustration, the manager refused to take further action, insisting it was not his responsibility. This is critical, as the funds in question are intended for my childs support. I kindly request your assistance in resolving this matter and recovering the funds.

I also currently live in the shelter with my two kids and this isnt easy for me. That money was supposed to feed them. Ive reached out to many people and gotten 0 help. Im frustrated and angry. This has never happened. Ive been using the events card to receive my child support money all my life and it was never a problem till now.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices which violate the Comsumer Financial Protection Act ( CFPA ) Specifically. Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, thier dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience andfinancial loss and I seek appropriate redress for these violations.
Product: Student loan

I am a full class member of the XXXX XXXX XXXX lawsuit.my loans and and the credit trade lines involving the loans are to be discharged and removed by XX/XX/XXXX per the rules of the settlement agreement. I have had nothing taken care of except being in admistrative forbearance until XXXX. 

School XXXXXXXX XXXX XXXXXXXX servicer nelnet 2 Direct consolidation loans Loan XXXX Amount XXXX
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in EQUIFAX. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries from two credit bureaus, I did not apply for or approve anyone to pull my credit to apply with the following companies : XXXX  XXXX XXXX XXXXXX/XX/XXXX Credit plusXX/XX/XXXXXXXX XXXX  XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXXCredit plusXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXX/XX/XXXX
Product: Debt collection

I recently received a communication from your agency regarding a debt that you are attempting to collect. I am writing to formally request that you provide validation of this debt, as I have no prior knowledge of any agreement with your agency. 

Please provide the following documentation : Proof of Agreement : Any and all documentation that demonstrates I have entered into a contract or agreement with your agency ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS ), including my signature or other forms of consent.

Debt Validation : COLUMBIA DEBT RECOVERY LLC DBA GENESIS The original creditor 's name and contact information.

An itemized statement of the debt amount, including any fees or interest accrued.

Proof that your agency has the legal right to collect this debt.

Additionally, I am concerned that my private information may have been shared or sold without my explicit consent. Please provide details on how you obtained my personal information and ensure that your practices comply with relevant privacy and data protection laws.

Until I receive the requested documentation and can verify the legitimacy of this debt, I will consider this matter unresolved. Please respond within 5 days to avoid further dispute. If you are unable to provide this information, I request that you cease all collection activities and update your records to reflect that the debt is disputed.
Product: Credit card or prepaid card

First I was charged a XXXX late fee for paying a few minutes late. I was not aware of the time limit and XXXX  XXXX  XXXX Comenity Bank refuse to waive fee. This was the first time I was late. 
Secondly, my payments are not being applied to the lowest interest balance. 
XXXX  XXXX  XXXXComenity Bank refuse to make the necessary adjustments after I contacted them regarding the issue.
Product: Debt collection

Kimball, Tirey and St. John LLP is a collection agency that is continuing to report on my credit reports and continuing to try and collect a debt that is past the dates for statute of limitations. I have requested that they stop but they continue to state that they are meeting FRCA requirements and laws which is not true. They have falsely reported to my mortgage broker that I owe this debt and I do not which prevented me from obtaining my home loan with my husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a charge-off in the amount of {$7700.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page 5 attached from my credit report. ) This vehicle was in a car accident and was deemed a XXXX XXXX and the insurance company XXXX XXXX   the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this, however I have not been successful.
Product: Student loan

Navient unresponsive to written requests.. overcharges, payments not recorded correctly.. loan consolidations twice then told they were not.