23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2019 Fifth Third was contacted my mortgage company, I was changing insurance companies and XXXX also contacted them letting them know this. My new insurance agent called Fifth Third needing more information to bind the policy, they refuse to call him back and give him this information causing a small lapse in my insurance which I never found out until 5 months later by Fifth Third when they automatically put me in escrow and tripled my insurance on my home without calling me or contacting me or anyting. Unprofessional as XXXX I went to my bank on XXXX XXXX in XXXX XXXX contacted the mortgage woman they're extremely rude got nowhere got up and walked out on me. I have contacted Fifth Third mortgage company talking to XXXX XXXX the manager and I'm not getting anywhere he's going out of his way to make this case stick for them to XXXX me out of money this is not going to happen I will not pay it. I'm XXXX XXXX XXXX I do not need the last 6 months of this XXXX in my life please help me and do something about this thank you XXXX XXXX. They tried to raise my insurance from XXXX to {$1600.00} a year. And also raise my monthly house payment not going to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am making this complaint on my own accord. I have been a victim of Identity Theft since XXXX. Upon looking at an updated credit report I discovered once again that someone is and has used my likeliness to obtain credit and utilities they have also trie applying for credit using my personal information. The person established a XXXX account which is now in collections for {$540.00} they also established a XXXX account which is charged off and reflecting negatively on my personal credit. There are also inquiries in which I did not authorize. These inquiries are reporting on XXXX and XXXX. For XXXX ; XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. For XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. The XXXX account is now a collection with XXXX XXXX XXXX and is reported as a collection with all three Bureaus. These accounts and inquiries are unauthorized and fraudulent. I demand these be removed from my credit profile because they do not accurately depict my credit worthiness. This has had a tremendous impact in my everyday life. I have also filed an Identity Theft complaint with the FTC, my Identity Theft report is attached
Product: Credit card

Hello, Sometime last year my Citibank credit cards were all closed. I was on automatic payments with my accounts. One of the account had a small balance. When Citibank closed my accounts they automatically stopping my auto payments. By the time I realized it my account was 30 days late. I have never been late on my Citibank accounts. They themselves can verify it. I am asking that they remove this lateness from my credit report. 
Also during this time my husband was in a major accident. He was later diagnose with XXXX and just passed. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and XXXX, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT!  Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!
Product: Debt collection

Complaints : 1 ) Violation of Fair Debt Collection Practices Act, 2 )  Disregarded agreed upon amount, and 3 ) Ignoring my request to pay the agreed upon price. 

I called in to settle an account and they started talking to me about someones elses debt and told me the amount they owe, with USING THE DEBTEES NAME! This is a MAJOR violation according to the Federal Trade Commissions Fair Debt Collection Practices Act, 15 USC 1692d, 805 ( b ) Communications with Third Parties. 

I asked to speak with the Supervisor and his remarks were So what! This doesnt effect you, I told him that it is a violation of the Debtee and it causes me to have concern on their integrity and how they do business. He said everyone makes mistakes, and I agreed, however this violated Federal Law. He was very argumentative and kept saying what a you going to do about it?, I said I will take it further since he doesnt understand the magnitude of it. 

I then asked to go back to my issue and pay our mutually agreed upon amount to close my case. He gave me an amount of the original amount. I told him that was not it and that is was a different amount. He kept repeating that amount ( 6 times total ). I finally had to tell him to look at the notes in my file!!! He finally found it and admitted he was wrong. I kept telling him that I wanted to pay it but he insisted on going down a rabbit trail. He started asking me Dont I have a problem with him not looking at the notes first?, I said yes and it causes even more concern about his company. I told I want to pay my bill. He started saying that he is surprised I didnt want to complain about that. I said that I want to pay what I owe if he would stop acting like an XXXX XXXX . He  said the call was over and hung up. I admit that I should not have used the word XXXX XXXX , but I was taken to my limit. I have sent an email to just get my agreed upon amount settled. 

I have not received anything other than a phone call from the Mid-America Collections Control Bureau , Inc. regarding this debt.
Product: Student loan

This is a follow-up to my original CFPB complaint case # XXXX. 

XX/XX/XXXX - Mohela responded to the complaint with the following resolution " You are eligible to request a refund of any payments made between XX/XX/XXXX, through an anticipated end date of XX/XX/XXXX. '' XX/XX/XXXX - I messaged Mohela on their website stating " I was notified by MOHELA that I am eligible to request a refund of payments made between XX/XX/XXXX through XX/XX/XXXX as a response to the formal complaint I submitted to the XXXXonsumer Finance Protection Bureau. I would like to request a refund of the payments I made between XXXX XXXX but first wanted to see if when the request is processed will those months remain qualified for XXXX? Please let me know how I can make the request for refund of payments. '' I was told I would receive a response within XXXX business days which I did not. 

XX/XX/XXXX - I sent a follow-up email asking for a reply and did not receive a response. I called Mohela and waited on the phone for over XXXX hours with no connection or response. 

XX/XX/XXXX - I sent another follow-up email requesting a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done several investigations and disputes on my credit reports which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the Credit Bureaus didn't make sure it was reporting 100 % correct. I also included my Driver license, social security card, and current utility bill with my proof of recent address on it each time as proof it was me. and each time the Credit Bureaus sent correspondence letter stating I or a third party didn't appear to have properly authorized to send in information to them I know for a fact it's a stalling tactic rather than to do a proper investigation and remove all inaccuracies from my Credit reports. Also they'd follow up with correspondence after that each time stating my accounts was properly investigated, but how is that possible if there are several open dates that is inaccurate, Reporting of collection accounts with no names and other inaccurate information along with it, inaccurate Terms on credit accounts, inaccurate payments received along with not reporting all payments in a timely manner, inaccurate pay statues on several accounts, date last reported is not accurate and several dates last active are damaging inaccuracies that are all reporting incorrectly across all three Credit Bureaus. on top of this XXXX failed on several occasions after my mailed in disputes with proper documentation and proof its me for almost 2 years now to remove a said XXXX XXXX Bankruptcy thats reporting an inaccurate Case Number, and its still on my credit report. All of these is grounds for removal, they also violated my rights under 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. 

Yet I have received several responses from all three Credit Bureaus stating, said Companies verified all information reporting to be accurate to them, but when I requested who were those companies, also to disclose to me what proof of each account that was investigated they sent in on my behalf showing my wet signatures connection to me along with my correct personal information to say those said accounts were accurate, and none of the Credit Bureaus would give me that information or make corrections. I have even called and spoke to Managers of all three Credit Bureaus with nothing but refusals to remove inaccuracies along with just reading scripts giving me generic answers, which is also a violation of my Rights to my own personal information.
Product: Vehicle loan or lease

I was sold a car with a known fuel sensor issue and broken sunroof and electrical issues The car was sold for XXXX and now valued at XXXX This car was overpriced and I was sold a insurance plan that could not be supported by other dealerships I also traded my XXXX XXXX and loss significant car value I made multiple attempts to get issues referred but was referred to a third party that could not use coverage
Product: Checking or savings account

I was invited to Open my Trust account at Truist Bank After making an appointment with the Bank Manager I was advised after I would recieve a call after the FINANCE TEAM has reviewed my documents. ALL of My documents are Authenticated and on County Records and I was told after I continued to call and ask why was it taking over XXXX weeks when it only takes about XXXX days for documents to be approved. The day I call and express to the Bank that I am feeling disscriminated against as I felt the same day I took My DOCUMENTS IN TO BE VIEWED I asked if there was any type of preference due to the way I was questioned about my account. 

once The treat to contact CFPB and XXXX the next day I am denied an account all due to BIGOTRY AND DISSRECMINATION AGAINST ME AND MY TRUST. I was treated with the utmost dissrespect and when speaking of the misstreatment of the Bank I am then turned away. 

I know my personal information has been used for its SOURCE DATA AND I expect this matter to be looked into and resolved as to the bigotry i experienced there will be legal actions propsed against Truist Bank. after holding and looking into my private paperwork and if it was not up to par then why would it take over XXXX weeks to say that it could not be opened? please look into this asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting erroneous information regarding my XXXX XXXX XXXX account. I have been notified that one of the accounts is listed as included in bankruptcy and that is incorrect. I have disputed this info but to no avail it is coming back the same and I do not understand why this is happening time and time again. Pursuant to the law, student loans can not be included in bankruptcy unless a dire need is confirmed. None of that has happened and loans were not included in bankruptcy. This is affecting my credit standing with a new home loan. Please either correct or delete.
Product: Credit card or prepaid card

A Chime account has been opened in my name with my email address. On XX/XX/2023 I received the first email stating me by first name opened an account, then subsequent emails that a phone number was added which turns out to be a fake number. I called Chime upon receiving this information and they asked for further detailed personal information I would not provide. They stated unless i gave my information they could not assist me. On XX/XX/2023 I received notification that a Chime card has been sent to an address which is in fact an old address of mine. I again called chime and they kept asking for my personal information. They even went as far as changing the email address to stop me from getting emails but did not close the account. All of this activity is fraudulent activity, and the company needs to be reprimanded.
Product: Mortgage

Mr. Cooper has had numerous issues with their website since we have been transferred to them for loan servicing. I most recently tried to cancel a payment on their website by clicking the cancel button immediately after submitting the payment. The cancel button did not do anything. I tried calling but their systems were down every time I called and they were unable to access my information. I asked them to cancel that payment via secure message. Instead, they assessed a {$30.00} fee. After numerous phone calls with incompetent customer service and people who say they are supervisors, they refuse to remove the fee that was caused by their website error glitch. They are thieves.
Product: Debt collection

This company refuses to provide a validation of debt and claims that the inaccurate reportings ( that was originally outlined in my report ) is not their fault, it inaccurate reportings are found. This collection agency is seeking payment for an account they have no proof belongs to me, an account with contradicting payment history such as payments reported as paid on one credit reporting agency while those same months are reported " missed '' on another. This is extremely predatory and against the law. Please investigate this. 

please look at the files attached for further context.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and I have two collections accts that have driven my credit score down dramatically after I have worked hard to pay off old accts. I have a common name and this problem has happened before but these two creditors aren't willing to help rectify the situation.

I am a contractor who works on the road and I know I hadn't opened or defaulted on any accts so I hadn't checked my credit score in a few month but low and be hold when I did I had a pleasant surprise. Two of someone else 's delinquent accts.
Product: Debt collection

On XX/XX/2024 I received a copy of my investigation results and I noticed that the account XXXX has been added back to my report and it has been deleted 7 times. I am formally disputing any unverified or inaccurate information within my credit report, invoking the FCRA and adhering to the XXXX XXXX data field reporting standard. Regrettably, I can not recognize nor accept allegations of delinquency and derogatoriness in the absence of factual documentation, which contravenes both federal and state regulations mandating accurate and comprehensive reporting. It is disheartening to observe claims that may be in violation of the law or regulations. 

I hereby urge you to ensure the factual and accurate reporting of all claims in accordance with the XXXX XXXX reporting standard. I formally request the provision of verifiable physical evidence supporting the account 's existence and its permissible usage. Failing such evidence, I insist upon the removal of this account from my credit report. I grant you authorization to send me physical documentation detailing your actions and any subsequent updates to my credit report. Your prompt attention to these matters is of the utmost importance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact XXXX XXXX XXXX and all 3 credit bureaus about the inaccurate payment history on my account.
Product: Bank account or service

About a month ago I informed my bank about a refund that I had not received from a merchant that I returned merchandise to in XXXX via 2 day priority mail signature confirmation. I was told that as a courtesy the charge would be reversed while the investigation was being performed. I also told the bank customer representative that I filled a FTC & XXXX complaint but the company has yet to respond. I contacted the company again in reference to my refund and that I 've reported the company to the FTC, XXXX & I 've had the charged reversed by my bank & to my surprise although all numerous previous communication attempts went unanswered, I was told that none of the named entities would guide their actions. I supplied the bank with the tracking information proving I returned the merchants merchandise but to date I have n't heard anything about the investigation nor was the charged ever reversed.
Product: Debt collection

In XX/XX/2021, I sent Alliance Collection Agencies a validation of debt letter for them to verify a debt they were reporting on my credit report. In XX/XX/2021, they sent me an itemized statement for my account. In this statement they included medical procedures, medical codes, and descriptions of procedures that was done. This is a direct HIPPA violation and I totally feel violated.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for FCRA Violation Unauthorized Reinsertion of Previously Removed Accounts Dear Consumer, Financial Protection Bureau, I am filing a formal complaint against Experian for violating Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ).

I previously disputed several inaccurate accounts on my credit report due to identity theft. Experian investigated the matter and subsequently removed the following accounts from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, I recently discovered that these accounts have been reinserted without any prior notification, which is a direct violation of FCRA regulations. 
As you are aware, FCRA Section 611 ( a ) ( 5 ) ( B ) requires credit reporting agencies to notify consumers within XXXX business days if previously deleted information is reinserted. Experian failed to provide me with such notice, causing undue stress and potential damage to my credit profile. 
I have attempted to resolve this issue directly with Experian, but they have failed to provide an adequate response. I am now requesting CFPBs intervention to ensure Experian complies with the law and removes these unauthorized reinsertions immediately. 
Enclosed with this letter are copies of : My initial dispute letter regarding the above accounts Confirmation from Experian of the accounts removal Documentation proving the unauthorized reinsertions My recent dispute with Experian regarding this issue I appreciate your prompt attention to this matter and your assistance in holding Experian accountable for this clear violation of federal law. Please let me know if you require any additional information to proceed with the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to Professional Credit Management on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting to verify this debt that was placed on my credit report as a collection item. I have reached out to the original lender, XXXX XXXX, who stated they do not see me owing anything in their records. This is a XXXX violation, and I did not give permission to any healthcare facility to disclose my personal information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I received a XXXX Credit Card for 0 % interest for a year. When I got my statement I was being charged an outrageous amount of interest. I tried complaining to customer service and a supervisor to no avail. They even said they did n't have a 0 % interest rate offer. What do I do other than switch my statement over to another credit card. This sucks big time.