23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Tina Bank Loan # XXXX To Whom It May Concern, Im writing on behalf of my mom. My mom is a XXXX year old woman who has lived in her home 29 years or more. She and my dad, XXXX XXXX purchased this home in XXXX for {$87000.00}. The address of the home is : XXXX XXXX XXXX, XXXX, SC XXXX. On XX/XX/XXXX, I called TIAA to inquire as to the balance owed. I was told by XXXX, the house was refinanced in XXXX with an amount of {$60000.00} still owed. I remember a refinancing to get a lower interest rate but no equity was dispensed. And if my mom received money for upgrades to the house, please give check # and the amount of check issued in XXXX, XXXX. She had nothing on file. The bank of record at that time wars Everhome Mortgage. So with a 30 year mortgage and no equity withdrawn, the house should be paid for. With her still owing {$60000.00} that means only a $ XXXX went toward the principal. I need some assistance. Ive been added to her account, so there is no privacy laws at risk. I can be reached at XXXX or XXXX. 

Thanking you in advance, XXXX XXXX
Product: Credit reporting

Transunion has fail to delete unverifiable information on my report. They continue to verify closed or sold accounts that show reaging, recent payments and balances due and collection companies have fail to provide me with account documents.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I got a notification that a Collection Closed Great! A Collection was closed Between XX/XX/year> and XX/XX/year>, your I C SYSTEM collections account was reported as closed. 
This is great news! Even though closing or settling a collections account may not have an immediate effect on your credit score, the negative impact of your collections. Now as of today its back on my credit report. I have disputing with the credit breaus several times and its still reporting to my account. I have tried to reaches out to the collection company but have no been successful. I have asked for the company to show me proof that this collection is mine and still have not received that request. I believe this company is reporting false information. How can this company report this account closed then reopened it
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate this information with none and provide me with copies of any documents associated with this account bearing my signature in absence of any documents bearing my signature i formally requst it be removed 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

I have experienced great mental hardship as I have not been able to refinance my home do to this erroneous account.

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files.

Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE this inaccurate account from my consumer report. 

ACCOUNT : XXXX XXXX XXXXXXXX, Date opened XX/XX/year> Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX XXXX
Product: Checking or savings account

I had money deposited into my account. I did a transfer to another account I was charged a fee. Deposit of a check made on XX/XX/19, check deposited at another bank they did not cover although the money was there, another fee. My local branch did not help. I called service they tried to help. So today, I went to the local branch to close my accounts, and tell them my concerns. Poor service, racial profiling, discrimination, and racism. I voiced my concerns about the poor service, my observations, and concerns about unfair, unjust, and erroneous charges. The entire time I was sitting down. I never used foul language, and no threats. She did not like my tone, and what I had to say which was only the truth. I am sitting down, closing my accounts, and she calls the police. The police! She had absolutely no reason to do that, no laws were broken. Why do XXXX people always call the cops on minorites! Why? They must like having minorites XXXX, and XXXX for no reason. I have more education, more degrees, and licenses than her. I would never jeopardize my name, or family. What she did was false, a false accusation. She had absolutely no reason to do that accept out of spite, vindictiveness, and plain evil!
Product: Credit card

Experian company charged my credit card without my permission. 

This is very wrong. {$34.00}. I called XXXX  days ago to refund me and to remove my card and how did they even get it in the first place? 
Today wow. It didn't happen? .. it is worse. 
I was able to log in before I was blocked And they are trying to charge me again for {$26.00} XXXX. 
I'm in tears. I tryed to call again.. no human. Hung up on XXXX times. 
I cant pay off this credit card.. I've been having lot of issues cuz of an ex boyfriend used it. And now this company wants to hurt me in the same way? The over limit fees and the interest rates goes up every month.. help me please
Product: Credit reporting or other personal consumer reports

I contacted the Experian credit bureau after identifying several inaccuracies in my credit report, including incorrect birth dates, misspellings of my name, an incorrect telephone number, and erroneous addresses. Additionally, I was unable to access my credit report due to the incorrect telephone number listed, which hindered the verification of my information. Subsequently, I reached out to Experian via email to request updates to my information and to address the inaccuracies and potential breaches in my credit report. Regrettably, I have not received any response, and I am currently locked out of my Experian account.
Product: Credit card or prepaid card

This complaint is against Bank of America, Credit Card Services. 
On XX/XX/2022 I Mistakenly made a payment twice to my Bank of America Credit Card Visa Platinum Plus Credit Card. The first payment of XXXX was credited to the card. The second payment of {$4000.00} meant to go to my other Credit Card XXXX XXXX Credit Card. 
Using the bank Bill Pay System I made a mistake and payed the Platinum Plus Credit Card. On XX/XX/XXXX I checked my account and became aware of my error. I called and some hours later I was able to reach a representative, who explained that the amount could only be refunded to the bank from which it was paid. That would be XXXX Bank, and that I should expect a refund in a couple of days. 
On XX/XX/2022, I had not received the refund, so again spending an inordinate amout of time I finally reached an agent, XXXX. She explained that the refund required reveiw by that department, which took place on XXXX and it was cleared to be refunded but the refund will take an additional 10 days and I should expect it in my account on XXXX. 
Banks now have the ability to wire funds in hours not days. This is a blantant method of holding payment to the benifit of the Credit Card Company to the disdvantage of consumers. 
I for one will be closing out my relationship with Bank of America and their Credit Card Servicer and I urge others to do the same.
Product: Checking or savings account

Chase Business acknowledged that there was multiple fraudulent charges on my old account. 3 of the charges where on XX/XX/year> in amount of XXXX, XXXX, and XXXX there are also 3 other charges all of them equaling the same amount of XXXX that they put in a reversal of XXXX for XXXX of them on XX/XX/year>. 

This has caused overdraft fees that should be removed due to bank not getting funds back from fraudulent charges that i never made and in a different country that i have never been to. 

I stopped all deposits and will pay off full amount back to {$0.00} balance once these charge have been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had numerous people try to use my credit for credit cards and automobiles!
Product: Credit reporting

Mortgage Account Duplicated on Report, Duplicate is Zero 'd out Sums, and posted a negative hit to my credit rating, there have been Letter Requested to up date, However Equifax Has not responded, XXXX Has corrected the initial issue. 

XXXX Accounts are the same Account #, Also The Reporting is out of date, Attached as well is latest information from the Mortgage Company on what I owe, XXXX, XXXX, and XXXX are all already paid. XXXX paid on XXXX, XXXX Will Be Similar as will be paid last week XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There's 2 inquiries I didn't authorize and don't recognize. Which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

Navient denied my School Misconduct Application because my loan isn't active with them. Navient wouldn't provide assistance with a payment that I could afford, or an interest rate that would benefit me. 98 % of my payments were going to interest and because of the high interest rate I was forced to get my loans refinanced to obtain a reasonable payment plan and avoid going into default on my loans.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed some unfamiliar items on my credit report, which suggests that my identity may have been stolen since I did not authorize these accounts. I've raised this issue before, and I'm now requesting the prompt removal of these accounts from my report. Their presence is causing me significant stress and does not accurately reflect my credit history or financial behavior. If we can not resolve this, I am prepared to pursue legal action to protect my rights and find a solution. These inaccuracies are severely hindering my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this issue soon.
Product: Credit card

I opened the XXXX XXXX XXXX card on XX/XX/2023 directly through a public promotion offer via XXXX XXXX XXXXl. The promotion states a XXXX MILES BONUS OFFER. In XXXX, I have made sure I met all the requirements to receive this offer, which was further confirmed by the Synchrony bank as evident by the XXXX bank statement. On the statement, it shows the opening bonus miles I received is XXXX. However, as of XX/XX/2023, the total miles I see in my account is XXXX opening miles plus XXXX miles earned from other purchases. I have contacted the company many times trying to resolve this issue and has also provided all the documents proving the XXXX offer. However, the company kept asking me to call a number where the representative just shut down my call without explanation.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

Account Name : XXXX # XXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Account Name : XXXX # XXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account Name : XXXX # XXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Vehicle loan or lease

In XX/XX/XXXX, my brother XXXX XXXX went to XXXX XXXX with his ex wife. She was trying to purchase a car. The salesman ran her credit and said she was denied. So they asked XXXX how is your credit? He said I am not sure. They got his Id, information, and ran his credit and told him they can get him approved for a auto loan in his name only. They asked him about his income and if he had proof of income. XXXX got XXXX and get a SSI check for XXXX a month. His only source of income. After he helps out with the bills he barely has money for a haircut. He gets food stamps. If he was to get approved for a car it should have been a used car under 8000.00 and with a XXXX month car payment. XXXX is XXXX XXXX as well. He is XXXX. He was presented with a good deal as the salesman said. A brand new XXXX more money for the salesman ). XXXX XXXX XXXX. XXXX was financed for this car@XXXX month. No one considered a debt to ratio for his car payment. And XXXX a month for insurance. I research and called 2 attorneys and was advised XXXX never should have been approved for this car. His income should have been between 1500.00 to 2000.00 a month at least. But his is only XXXX a month. I believe he was taking advantage of because 1 he is a minority and they wanted to put him in debt. Knowingly his income was too low for a XXXX car payment. 2. He has a XXXX and XXXX. He probably didn't understand. We have tried to help him much as possible with these payments that never should of been approved. I don't know of anyone with a Income that low that gets approved for a brand new XXXX. I want XXXX XXXX and XXXX XXXX XXXX  to make this matter right. If not we will seek legal advice and a attorney representation. Hyundai has damaged XXXX credit with reporting negative on his credit report. We want this revised to show good standing. We also want XXXX XXXX and Hyundai to refund all monies. XXXX was so depressed after he got this car. Worried about paying for it and keeping it. He ca. XXXX XXXX due to XXXX XXXX from his XXXX XXXX from XXXX. He went in XX/XX/XXXX and got a job. Hoping to keep his payments current. Stressed and worried from all the rude and consistent threatening phone calls. He got a job .but been so stressed out about his car on his 3rd day on the job he had a XXXX. Multiple XXXX, he been to XXXX. And is now on XXXX XXXX XXXX. Both entities play a part in his failing health. He never should have been approved for this car loan with his income. Please see attached documents.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$5500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX, though the XXXX XXXX - my daughter and stayed at the XXXX XXXX XXXX XXXX in XXXX XXXX Nevada. Upon arriving at the villa we both noticed the living chair appeared to have bitten up by a dog right above the right leg ( we did not travel with a dog ) we did not report this, that evening my daughter took pictures of the rooms in the Villa to show her brother. We stayed there and cooked and enjoyed the stay checking out on the XXXX ( Monday ) early morning. Tuesday there were {$650.00} charged to my account, I called and left several message with no response from management, spoke with several people I let them know my daughter had a picture of the chair from the first night, still they said that he was not going to return the funds. The picture clearly shows the damage. Please help me if you would. I know now you should check out the room before bringing in any luggage, making sure that there are no damages
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 in preparation of changing my phone number In my Chime App I sent myself {$190.00} using my alternate phone number ( XXXX ). I understand my money transfer is non refundable in the case of money being transferred to the wrong recipient. I snapped a screenshot of my receipt which confirmed I transferred money to my phone number ( XXXX ). 

The next day I had not received my money. When I checked the my transfer history which displayed My transfer went to XXXX XXXX The person who owned my number before me. 

The next step I took was I requested {$190.00} from XXXX XXXX XXXX please send it back. My request was received on My phone ( XXXX ). 

I started a dispute and received the instructions for providing documents to proceed changing my phone number in my account. Shortly after I received a confirmation that my number was changed to my current number ( XXXX ). 

The following days I expected to receive a credit to my account because It is clear that all of the transactions were done using the ( XXXX ) phone however I didnt see anything my claim was denied. 
I then had my claim reopened I sent pictures that time but the very next day my claim was denied Chime wont put me in contact with investigators or anyone else with authority. I am XXXX. Im on a fixed income and my storage app likes. My bills are late based on this whole ordeal.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
On XX/XX/2023, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Student loan

In XXXX, 2017, I received a notice from a company called Transworld Systems , Inc. stating that my student loan was in default and had been turned over to them for collection. I immediately called my loan provider and verified that I was current and told them about this notice and they said they had no idea why I would be getting this notice. My loan had been sold to XXXX from XXXX XXXX - so I decided to contact XXXX XXXX to be sure they did n't show any delinquent status for my closed account and they confirmed that my account was sold to XXXX and was closed with no negative information on file. I decided to send a letter to Transworld on XXXX XXXX, 2017 explaining all of this and now I have received a response from Transworld stating that this debt is valid and included a copy of all of my personal information with all my student loan transactions since I received the loan. Please help me to resolve this issue as I am getting nowhere!
Product: Student loan

Request for refund of student loan payments ( eligible under Biben 's student loan forgiveness act ) made during the pandemic have not been process in over 30 days compare to other servicers at 7-14 days. 

Company : ED Financial Services Requested refund on XX/XX/2022 : was told " {$23000.00} will be refunded '' Followed up on XX/XX/2022 - status " still waiting for processing '' Followed up on XX/XX/2022 - status " still waiting for processing ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Account number : XXXX I've disputed this account ( XXXX : Account number : XXXX ) numerous times due to inaccurate information being reported on my credit file, even after the bureau have stated countless times that the account has been investigated and verified, after a year Im finally reaching out to the CFPB regarding this issue. 

I've attached a copy of my CFPB compliant ( supporting documents ), detailing the removal of account : XXXX : Account number : XXXX after XXXX finally was able to do a proper investigating of the account. 

For some reason your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company?

At this point I am no longer asking you to reach out to the furnisher to verify or investigate this account ( a year has been long enough ), im demanding that you delete it from my Credit Report Today!