23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, my home insurance was re-written with XXXX XXXX who acquired XXXX. The premium was decreased significantly, and XXXX sent Amerihome a request for payment in the amount of {$1600.00} to cover my insurance policy by XX/XX/XXXX. On XX/XX/XXXX XXXX forwarded Amerihome a cancellation of the old policy as a new policy replaced that one. Amerihome failed to make payment to XXXX and on XX/XX/XXXX, I received a letter from Amerihome indicating they received a cancellation of the insurance policy. I uploaded the documents which are attached requesting they make immediate payment. On XX/XX/XXXX, I received notification from Amerihome that information was updated. When I went to check the information on the website was incorrect. The dates were ineffective dates covering XXXX and the insurer was listed as XXXX. I immediately called and spoke with a supervisor who acknowledged the error on their end and advised he would get it updated immediately. He went on to say they would also issue payment expeditiously from my escrow which had enough to cover. I received a voicemail advising payment was issued on XX/XX/XXXX to my insurer and all information was corrected. On XX/XX/XXXX my insurance agent had not rec 'd payment. I called AmerihomeXXXXr to find that they sent the payment to the wrong address and by regular mail. After several minutes of frustration, the agent offered to stop pay the draft and reissue and return the original {$1600.00} back to my escrow and issue another payment to the insurance company overnight by XXXX. My insurance agent provided the overnight address and he first advised he had no way of getting the tracking number with XXXX. On XX/XX/XXXX, I received a email showing the payment was issued to my XXXX XXXX XXXX. On XX/XX/XXXX, my insurer has not received the so-called overnight payment. I called Amerihome/XXXX  and spoke with a representative who provided a tracking number which shows no delivery address on it and no way to confirm this is indeed the address provided for payment. When asked to provide the address she stated, " I don't have that it would've just been what was told to the representative '' When I said it was unacceptable and requested a manager I was placed on hold and conveniently disconnected. Amerihome has also not returned the original {$1600.00} amount back to my escrow in fact it is showing negative as of today. I am in the process of losing insurance coverage as of XX/XX/XXXX placing a significant hardship for me to pay out of pocket when they receive payment to do this. On top of that, I received an analysis of escrow and payment increase when the information in the document is incorrect. The payments are grossly higher than what the charges really are. I would like this company to own their mistakes, return my escrow back to where it should be instead of duplicating payments when it was clearly their error. Review my analysis as they are incorrect, and I have both property tax statement and Insurance which they have grossly increased. Also, ensure my insurer is paid so that I am not without coverage due to their bad faith errors constantly.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/1975 Social Security Number : XXXX Current Address : Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

This is my second dispute it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The online selections did not apply to my situation. I would like to complain about the FICO system. I have been a customer at XXXX XXXX XXXX for years. Last month the local branch of my bank shut down permanently so I had to find another bank. I had an account with XXXX XXXX XXXX XXXX XXXX so I transferred my funds over there. As a result, FICO dropped my credit score by 30 points. Punishing an individual because a corporation shut down the local bank branch is completely unethical. My former credit score should be immediately restored as I've had no other changes that would cause my score to decrease.
Product: Debt collection

I received a collection letter from this company named " Commonwealth Financial '' I disputed this debt under section the " Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } ''. The company then responded providing my medical records ( showing the service that I received from the original medical facility named ( XXXX XXXX XXXX ). I've included their initial letter sent to me, my response, and their response. This company is in violation of my Hippa rights and I intend to sue for under a " Hippa Violation ''. 

The original hospital will also receive a lawsuit from me because they've disclosed my personal medial record illegally. NO HIPPA SIGNATURE WAS PROVIDED BY THE collection agency. 

This is also a alleged debt which happens to update the statement date illegally as well! The patient statement date showing ( XXXX ) is inaccurate. This company is illegally updating the statement date so they can illegally collect on a debt which is outside the statue of limitation 's, a Hippa violation, and inaccurately and illegally reporting FALSE statement dates. I live in XXXX, TX and my Employer can also verify I've NEVER received service on XXXX. 

Reporting inaccurate service date makes this collection company in violation under " FCRA section 605 ( c ) ... ..Meaning they've re-aged a debt so the debt is inside of the statue of limitations, which is a down right LIE. 

I WILL MOST DEFINITELY FILE MULTILPE LAWSUITS AGAINST THIS COMPANY SHOULD THEY NOT STOP ALL COLLECTION ACTIVITIES. AND REMOVE THIS TRADELINE FROM MY CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXXXXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Improper Reporting of Child Support Obligations by XXXX, XXXX, and TransUnion To Whom It May Concern, I am writing to formally request the removal of child support information from my credit reports maintained by XXXX, XXXX, and TransUnion. My contention is that child support obligations are not loans or revolving credit and, as such, should not be reported as credit accounts. The inclusion of this information misrepresents my credit profile and adversely affects my creditworthiness.

Legal Basis for Removal : 1. Fair Credit Reporting Act ( FCRA ) Accuracy and Relevance of Information : 15 U.S.C. 1681e ( b ) : This section mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting child support as a credit obligation does not accurately reflect the nature of this responsibility and may lead to misleading interpretations of my creditworthiness.

2. California Family Code 4701 Reporting of Child Support Obligations : This statute requires the Department of Child Support Services to administer a statewide automated system for reporting court-ordered child support obligations to credit reporting agencies. However, the intent is to report delinquencies to aid in enforcement, not to classify child support as a traditional credit account. The current reporting method conflates legal obligations with credit liabilities, which is not the statute 's purpose.

Precedent Supporting Non-Classification as Credit : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ), the XXXX XXXX Court of Appeals held that obligations not arising from a consensual credit transaction could not be reported as traditional credit accounts. While this case pertained to towing fees, the principle applies : non-consensual obligations, such as child support, should not be treated as credit accounts.

Request for Action : I respectfully request that the CFPB : Investigate the practices of XXXX, XXXX, and TransUnion concerning the reporting of child support obligations.

Require these agencies to remove child support information from my credit reports, as it does not constitute credit under the definitions provided by relevant laws and precedents.

Ensure that future reporting distinguishes between legal obligations and credit accounts to prevent misrepresentation of consumers ' credit profiles.

Please confirm receipt of this complaint and inform me of the actions that will be taken to address this issue. I appreciate your prompt attention to this matter.

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

I filed a dispute on XX/XX/XXXX because I am unable to add my income information into the experian account and on XX/XX/XXXX I received a response back form experian stating that my complaint was about having an account removed from my credit report and that experian verified the accuracy of the account. THAT WAS NOT MY COMPLAINT WHATSOEVER. You have completely missed the boat. 

My complaint is as follows : I am unable to add my income information to my Experian Credit profile for over 90 days. I have brought this to Experian 's attention and it was assigned to Experian 's engineers and product team, according to Experian. They have no timeline of when this will be resolved nor an explanation of why it is occurring. In my opinion there is a promotional block on my credit profile internally, that they do not know how to remove. Without being able to add my income information, it prevents me from being able to access and interpret all of the features of my credit file that resides with Experian. It also is blocking other companies from being able to view my credit file and determine eligibility for credit products. This is discrimination. Two other members of my very own household have absolutely zero problem adding their income information to their credit profiles and as a result, they are not blocked from potential creditors checking their reports for eligibility of certain credit products. I have inquired repeatedly for several months about the resolution of this and they continue to acknowledge it exists but will not resolve it or provide a timeline of when it will be resolved. Additionally I received a postcard from Experian on XX/XX/XXXX telling me that Experian has removed my name from the preapproved credit offer mailing list for 5 years. I never requested this. I also am including a front and back copy of the postcard received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, After pulling a copy of my Equifax credit report, I was absolutely SHOCKED to find that ALL my accounts were deleted off my Equifax Credit Report!!! I contacted Equifax directly and spoke representative named " XXXX XXXX, her member number is XXXX XXXX XXXX She was unable to assist me in this matter. This is extremely frustrating because I am in the process of obtaining a Home loan for my family and this is slowing down the process. Please fix this IMMEDIATELY before LEGAL ACTION IS TAKEN!!! The FCRA is being completely violated by Equifax.. 

Sincerly, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I paid {$140.00} to have my watch repaired. The repair did not work, after dealing with the merchant who refused to honor their guarantee I filed a dispute with my credit card company on or about XX/XX/XXXX. On XX/XX/XXXX I was given a credit from Capital One. I have heard nothing from Capital One until XX/XX/XXXX when reviewing my account I saw that Capital One had rebilled my account for the {$140.00}. After calling Capital One I was put on hold to speak with a supervisor who, after waiting 15 mins. on hold, never picked up the call. Capital One, pursuant to Federal Law, has 90 days to resolve my dispute from the date of my dispute, ( XX/XX/XXXX ). XX/XX/XXXX to XX/XX/XXXX is 148 days.
Product: Credit card or prepaid card

Bank of America handles prepaid cards for the XXXX XXXXXXXX. I am unable to activate my card online because my " security information is incorrect '' despite multiple attempts, triple checking what I entered. The prepaid customer service number, and in fact all of their customer service numbers have been disconnecting after one ring every time I call for several days, so I can not activate the card that way either. 

I am completely out of money, with past due bills and rent, and I can not access the funds the state has given me. I am incurring late fees as I type this. I will be out of food soon, as well, have had to cancel necessary medical appointments, and can not afford my insulin. 

This is completely, and utterly unacceptable. If I could seek damages, I would.
Product: Checking or savings account

Webster Bank purchased my mortgage from my mortgage broker. Subsequently, they pressured both me and my fiancee to open checking accounts with them, claiming it was not possible to pay the mortgage online without having a checking account with them. They assured us these accounts would not charge any fees. However, they have charged us fees on several occasions. Further, it has come to my attention that it is entirely possible to pay our mortgage online without having a checking account with Webster.

The net result of this is that the bank has lied to us about the need for, and nature of, these checking accounts in at least two ways.

Now, I am asking them to close the account, and they are refusing to do so. 

Specifically, XXXX XXXX, XXXXXXXX XXXX XXXX Manager, at the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, is refusing to close the account and telling me that I need to visit a branch in person. I know this is untrue, it is simply a tactic to try to force me to keep an account I don't need, that they lied to me to compel me to create, and on which they are charging me fees that they also lied to me about.
Product: Credit card or prepaid card

On XX/XX/2018, I applied for a Citi Thankyou Premier Card because I got an invitation saying I could get XXXX bonus points if I spent {$4000.00} within 90 days. I got approved and I spent {$4000.00} within the 90-day period. But till now I still do not see the bonus points. So I called and the agent told me I did not qualify because I closed a different account more than 18 months ago. I was never notified of this thing when I applied this situation, and I felt cheated into applying for this card for nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to notify you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX XXXX : {$920.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX AT XXXX ) XXXX Balance : {$4500.00} ; XXXX  XXXX Balance : {$56.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquires on my credit report with XXXX and Experian for credit cards or some other type of applications signed with my name in which I never applied for. 
The first one is with a used car company called XXXX XXXX XXXX in XXXX. HI XXXX ) XXXX, XXXX reported on XX/XX/2017. 
They would not work with me to investigate this hard inquiry. 
The second hard inquiry is with XXXX out of XXXX. GA ( XXXX. 
They issue gas cards for XXXX gas station that I never applied for and was reported on my credit report on XX/XX/2017. 
I have contacted everyone and still nothing has been removed even after writing letters and copies of my identification with my picture and signatures. 
I just like these 2 hard inquires of of my report since the rest of the inquiries are mine. 
None of these businesses or credit bureaus are willing to remove these two hard inquires that are not mine. 
Trying to build credit and I do not apply for credit unless I am trying to get a bank loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act, the accounts listed below have violated my rights. I have reached out to each credit reporting agencies multiple times and now my credit report show serveral inaccuracies. The following account show different report dates which is an inaccuracy that is hindering my credit profile. 

XXXX XXXX XXXX acct number : XXXX 15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states that a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 ( A ) ( 4 ) States that : There is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impartiality, and respect for the consumers right to privacy 15 U.S.C 1681i ( 2 ) ( A ) States that : Before the expiration of the 5-business-day period beginning on the date which a consumer report agency recieves notice af an dispute from any consumer, the reporting agency must provide a relevant noticed at the listed address regarding the dispute process. 

All of the following rights have be violated and might I humbly add, as a natural humans person this has been the most frustrating process yet. I am exercising my last option before a take further legal displinary actions. It is with great hope that you all will insure the dudilgence of each credit reporting agency is carried out. Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several unauthorized credit inquiries that I did not initiate or authorize. I am writing to formally dispute these inquiries and request their immediate removal from my credit report. 

The unauthorized inquiries are as follows : Company Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX Date of Inquiry : [ XX/XX/year> ] Reason for Dispute : Unauthorized inquiry Company Name : [ XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX ] Date of Inquiry : [ XX/XX/year> ] Reason for Dispute : Unauthorized inquiry Company Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ] Date of Inquiry : [ XX/XX/year> ] Reason for Dispute : Unauthorized inquiry I have not authorized these inquiries and am concerned that they may be the result of fraudulent activity. Therefore, I kindly request that you investigate and remove these unauthorized inquiries from my credit report immediately.
Product: Vehicle loan or lease

They keep repossessing my vehicle every time I come home. When I ask for letters or attempt to make arrangements they will not I asked for letters cant get them. They asked me was I still in the XXXX I told them yes. They will not let me refinance. They wouldnt lower the interest
Product: Checking or savings account

I WAS A VICTIM OF IDENTITY THEIFTED AND NOW A VICTIM OF WELLS FARGO SUSPIOUSE ACTIVITY,,, THESE DISPUTES ARE A FEW OF MANY XXXX WAS AN ONLINE ORDER THAT I NEVER RECEIVED TO THIS DAY I HAVE AN ATM {$300.00} WITHDRAWAL NO CASH DISPENCED A {$100.00} ATM WITHDRAWAL ON A MOBILE CHECK DEPOSIT THAT CAME BACK UNCLEARED AND WOULDN'T ALLOW ME ( IT WAS ON HOLD AND SAME DAY IT CAME BACK IS WHEN THEY ARE SAYING I WITHDRAWAL THIS MONEY AT A XXXX BALANCE ) TO TAKE MONEY OUT. A {$60.00} WITHDRAWAL CANCELLED TRANSACTION,,, A {$40.00} No cash dispenced atm withdrawal,, as I've talked to claims,, cases were not even fully looked into,, and they had no reasoning,, then at branch i an informed of an everyday checking account i didn't open i had an easypay account and I'm this checking i didn't know i had three credit card i was clueless about,,, so with Wells Fargo reputation i became feared,, as o asked questions my account is facing closing yet i have XXXX owed that's being icored and now I'm in minis,,, all i want is my money back and then close these accounts out
Product: Debt collection

I sent a final invoice that came directly from XXXX showing the correct balance - there is no legal way to deny the true balance yet XXXX continues to send me the same response saying the balance is correct - - 7 years of false reporting before I was able to get this invoice, and now it is being ignored this is illegal- I simply request the error is legally deleted or updated -- I had requested that XXXX dispute and research the incorrect balance several times, but I had no proof as XXXX denied all my requests for more information - Now that I have the actual final invoice - XXXX is still ignoring the error which continues to harm my credit and cost me time and money
Product: Money transfer, virtual currency, or money service

Lexington law has violated the advance-fee provision, 310 .4 ( a ) ( 2 ) of the TSR. they have charged me fee 's before rendering service. this is an unfair practice of my consumer rights under the CFPA.