23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I do my mortgage payments through my personal checking account through XXXX  XXXX XXXX bill payment. I have recurring payments set up with XXXX  XXXX XXXX and somehow 2 payments were sent to M & T Bank ( mortgage service company ) on XX/XX/XXXX one for {$990.00} and 2nd for {$990.00} I immediately called both XXXX  XXXX XXXX and M & T since the duplicate payment had overdrawn my account for over {$700.00}, XXXX  XXXX XXXX said they could not recall the payment even if it was done electronically, they stated I needed to call M & T Bank and ask them to return one of the payments, I also told the XXXX XXXX XXXX teller I did not set up 2 payments as it was a recurring payment the only thing I did was to edit the recurring payment to the correct amount of XXXX agent asked and said the app should have given an error message stating that there were two payments scheduled for same merchant on the same date, I told him that the app did not give any error or anything else. I did not added an additional payment, XXXX  XXXX XXXX agent still said I needed to call the mortgage servicing bank and have them return the funds. 
I then called M & T Bank on Friday XX/XX/XXXX and agent said they did not see the payment applied to the account and asked to call back Monday XX/XX/XXXX and I call that date, agent stated she could see the double payment but in order for them to return the funds within 24 to 48 hrs they needed to see proof that both payments came out of my account, agent proceeded to give me an email address, I sent the email to XXXX with attention to Mortgage customer support as directed by the agent I spoke to over the phone and included the screen shot. Agent reassured me once the email is received the funds will be electronically returned to my XXXX  XXXX XXXX account within 24 to 48 hours. I waited till Thursday XX/XX/XXXX and still the funds had not posted to my XXXX XXXX XXXX account. I called back M & T Bank and spoke to a representative agent then stated that it will take 10 business days for payment to be returned to my XXXX  XXXX XXXX account. I told agent that I was told on Monday XXXX that as soon as I send the proof of payments debited from my account. I told agent that was unacceptable and this mistake from XXXX  XXXX XXXX had put me in a lot of trouble and M & T not returning the funds as they had reassured. Call got disconnected. I called again today Monday XX/XX/XXXX and once again told the agent XXXX, I still had not received the funds on my account and agent said that the payment is being processed but it will take another 10 business days and then it would be sent via mail in the form of a check. This is unacceptable is taking them over 20 days for them to return the funds, neither XXXX  XXXX XXXX is not taking responsibility and M & T is just simply holding on to the funds and putting me in a more difficult financial strain. I have complied with all they have requested, my account has never been delinquent, this is just a horrible service from both XXXX  XXXX XXXX and M & T Bank.
Product: Debt collection

I have disputed the items from this company 4 times and asked for a validation of debt to which I have never received. The company is constantly updating the open date of this erroneous item on my credit report to constantly make it look like the account is accurate and new.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOBEL FIN XXXX** Balance Owed : {$0.00} XXXX XXXX**** Balance Owed : {$510.00} XXXX XXXX XXXX XXXX**** Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX** Balance Owed : {$770.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/XXXX ) XXXX Consumer Financial Protection Bureau XXXX : Complaint Against Experian for FCRA Violation Dear CFPB, I am writing to formally file a complaint against Experian, a credit reporting agency, for failing to accurately report my credit information and for not properly investigating my dispute as required by the Fair Credit Reporting Act ( FCRA ). 

XXXXAccount Information : XXXX XXXX XXXXAccount Name : ** XXXX XXXX - XXXXAccount Number XXXX XXXX XXXX I notified Experian reporting inaccuracies regarding the above-mentioned account. Despite providing supporting documentation and clear evidence that the reported information was incorrect, Experian has failed to conduct a thorough investigation or rectify the discrepancies in a timely manner. 

The inaccuracies reported by Experian include [ briefly describe the inaccuracies, e.g., incorrect payment history, account status, etc. ]. As a result of these errors, my credit report does not accurately reflect my creditworthiness, which has negatively impacted my ability to secure credit. 

Under the FCRA, credit reporting agencies are required to investigate disputes and ensure the accuracy of the information they report. Experian 's lack of action on my dispute constitutes a violation of my rights as a consumer. 

In support of my complaint, I have attached the following documents : XXXX. A copy of my bank statement for the relevant period, showing my account activity. 
XXXX. A screenshot of my account, clearly reflecting a {$0.00} balance. 

I kindly request that the CFPB investigate this matter and take appropriate action against Experian for their non-compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Wells Fargo is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.
Product: Student loan

I attended XXXX XXXX XXXX and because I was n't able to get enough Financial Aid to cover the classes, they offered a " Temporary Credit Agreement. '' This meant that I could take classes without paying for them until I graduated. I have paid on the " Temporary Credit Agreement '' since I XXXX in 2013, but recently XXXX XXXX XXXX closed. I do not believe that their promise to help me find a career was fulfilled, and now that they are closed this will remain the case. Since their accreditation is under scrutiny, I feel I am paying for classes that did n't provide me with the education I paid for. Now that XXXX XXXX XXXX is going through bankruptcy, I ca n't get any information on how to forgive the " Temporary Credit Agreement '' through the collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquire from XXXX on XX/XX/23, not in my knowledge
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/year> XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance Owed : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is XXXX XXXX XXXX. And the third account is XXXX XXXX XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604,  and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent inquiries on my credit report made from identity theft. 

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 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Product: Mortgage

On XX/XX/2023 NewRez took over servicing my loan from XXXX XXXX. In early XX/XX/2023, NewRez, despite being listed on my insurance declaration page, and being notified by my insurance company, XXXX, did not pay my homeowners insurance. Over the course of late XXXX and much of XXXX, NewRez claimed that they were going to pay the insurance, so the policy could be reinstated, but never did. I called every two weeks. They told both my insurance company and my broker they were going to send a payment, but neglected to do so. Finally on XX/XX/XXXX, on a joint call with NewRez and my insurance company XXXX, I was told by XXXX that there was no way to reinstate the policy and that the insurance company had told the last two NewRez representatives that very information. In early XXXX, NewRez, with out sending me notice, placed me on their lender insurance. Now, because of their malfeasance, I am having difficulty getting homeowners insurance, because to the insurance brokers/companies, it appears as if I have been uninsurance since XX/XX/2023. 

Based on the way NewRez handled my payment of my homeowners insurance, I believe not paying the insurance of their customers may be just the way they do business and could be a systemic problem. By not paying my insurance I was forced to be on their high risk insurance. Meanwhile, they had all the money I had been paying for my insurance in escrow. 

Additionally, during this time period I had a property claim. Their handling of this claim, which is still not resolved has been abysmal. The damage happened XX/XX/XXXX and the claim is still not resolved.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

The company is holding my funds against my will which is immoral and illegal i have over {$2900.00} in my balance and they refuse to let me get my funds out. Its been over 2 months owithut the money my email is XXXX The routing number and account number that i had linked to the account is no longer in use so i would have to provide a new routing and account number in order to withdrawl my funds.
Product: Checking or savings account

Company has locked my account for no reason. The only checking account I have and they lock it. I just signed up for direct deposit with my job with this same account and now I wont be able to receive money for my labor.
Product: Debt collection

Convergent refuses to cease and desist attempts to collect false debt from XXXX. I have wonderful relationship with XXXX, whom themselves never attempt to contact me about this fraudulent debt. I have sent numerous emails, physical letters, and told them over the phone to stop calling and harassing me and that they are wrongfully contacting me. Supposed debt is well over 7 years old, as well as date the supposed case was opened against me. I do not recognize any information they provide, only responded saying that at one time I had someone wrongfully withdraw money from a paypal account years ago. But that I never defaulted on any purchases etc. Back then the money had to be IN the XXXX account for a purchase to be made so it is impossible I would be able to overcharge a credit card etc.There was a negative report on my credit report from this incident because I was never able to find proper information on the individual in order to bring them to court, they hacked several accounts of mine at the time even finding my address. However this poor mark on my credit has been long removed from all credit bureaus for several years now. Convergent refuses to stop harassing calls and letters, even going as far as contacting previous addresses/phone numbers and family members. Harassing them when asked to stop. I do stay off and on at this old residence often using it as mailing address for packages, but do not own this home nor was this the address I resided at when this dispute was created I lived in XXXX XXXX CA. They also send a statement saying they may post a negative mark on my credit score if I do not submit to their harassment and give them funds. Which considering the dispute is over 7 years old, I find to be wrongfully threatening and deceptive. Being I have spoken on phone, and sent letters mostly..As far as responses from me I only have a copy of the last letter sent to them in which they have already ignored and begun calling family members again. They do state in other letters that they acknowledge I have told them I do not owe them money and do not wish to speak with them yet continue to keep this up, I can find those in storage if necessary.
Product: Student loan

I have XXXX loans serviced by ACS. I made XXXX payments in XXXX, XXXX over the amount of my monthly payment, thinking it would be applied to my XXXX payment. ACS informed that they do not accept prepayments and my XXXX payment is now past due. I have paid ACS more than my monthly amount numerous times over the past year and the money has never been applied to the next month.
Product: Credit card

ABOUT A MONTH OR SO I RECEIVED A LETTER FROM XXXX XXXX  ( XXXX XXXX ) SAY THAT MY ANUAL FEE WAS GOING TO BE COMIND DUE, AND IF I WANTED TO I COULD CANCEL THE CARD TO AVOID THE FEE, SO I CANCELLED THE CARD BY PHONE. ITSSTILL SHOWING UP AS AN ACTIVE ACCOUNT, INSTEAD OF SAY CLOSED AT CUSTOMERS REQUEST, ITS HAD A XXXX BALANCE FOR AWHILE SO THERE SHOULD E NO PROBLEM.
Product: Mortgage

'm being approved for the XXXX Assistance funds for XXXX futures mortgage payments. This is a federally funded and regulated program - overseen by the XXXX Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX payment are past due because they aren't applying the payments on time. They send me a letter letting me know that I'm past due but in reality, I'm not because they had my monthly payment the problem is that they are holding it back. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. Last month on XX/XX/XXXX after multiples calls and emails, they posted the XXXX payments for XXXX and XXXX after they email back with the following explanation. The checks never came to XXXX and were instead applied by payment services as the loan was current. We thought that the payments we were seeing for those dates were paid by the borrower as we never saw the checks. The XXXX achs I have just applied the amounts to the XXXX on XXXX XXXX loan. They should show in the XXXX by Friday the XXXX. This should hopefully clear up everything that was missing on this loan. This is so frustrating because they cashed the checks but not apply the payment to the mortgage loan. And charged late fees when in reality the checks get on time to the company. I spoke with the contact from XXXX, and she sent me the following, XXXX XXXX We show both payments made. XXXX was paid on XX/XX/XXXX, and XXXX was just paid on XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX Paid XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX if they are sending the payments on time, it is taking more than a month to be applied in my account???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are STILL reporting inaccurate information in this accounts : XXXX ACCOUNT # XXXX XX/XX/XXXX - XXXX DAYS LATE XXXX XXXX DAYS LATE XXXX XXXX DAYS LATE XXXX  ACCOUNT # XXXX XXXX XXXX DAYS LATE XXXX XXXX  DAYS LATE PLEASE FIND ATTACHED XXXX REPORT WITH PAYMENTS POSTED ON TIME PAY ON TIME ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( ACCOUNT XXXX ) PAY ON TIME ON XX/XX/XXXX, XX/XX/XXXX ( ACCOUNT XXXX )
Product: Debt collection

XX/XX/year> I attempted to file a complaint to dispute the {$420.00} charge for a service/product that I did not use. I asked for a copy of the consumer contract confirming that I signed. 

TransUnion responded within moments stating that the dispute had been satisfied previously. Therefore, I am complaining about TransUnion and the collection agency 's decision to not prove that the debt belongs to according to consumer/merchant/etc laws.
Product: Credit card

I was attempting to pay XXXX of my credit card invoices. Instead of being greeted with the normal payment screens I was instead forced to verify my payment source before I could make the payments. This was the same day that the payment was due and I was n't at home and did n't have my checkbook with me to get the routing number and account number. I did n't want to be late so I input the information from memory and some portion of the information was incorrect. I received a call from the company fours days later asking me for payment which I paid the same day. I was then charged fees for making the mistake and my online bill pay service is now suspended. My questions are why would a company need to verify a customers payment source that has not changed in over a decade, why would they need to do it when I 'm under pressure to get the payment in on time and if I wanted to change the payment source would n't that be up to me to do before trying to make a payment? I think this was a trap set by the company to lure me in to making a mistake and then charging me extra fees for it.