23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've pulled " 3-in-1 '' credit reports from Experian on myself and my wife over the past two years as we acquired property and are building a home. I recently started going through all the charges on my credit cards to look for any signs of fraud. I found it and the fraud is being committed by Experian. They are charging me for " credit protection '' services that I never ordered. Worse they are double charging me for the same service on two different credit cards. 

I've been trying to reach someone at Experian to dispute these charges and YOU CAN NOT REACH A PERSON. You navigate a draconian maze of automated prompts that all dead end. This can not be an accident. I've found numerous numbers online and numerous XXXX searches from other people unable to reach a person at Experian. 

The only fraud I found in reviewing a years worth of credit card statements was committed by a credit bureau.
Product: Mortgage

I got a 1099 in XXXX stating I have {$460.00} credit re refunded. I asked them where is the check they said they will mail the check. It has been 4 years they have been doing that. Last I called on XX/XX/XXXX and the. XXXX and both times they said they submitted that payment and it will take 30 days. Nothing happens. I am tired of it. It cost me {$750.00} in CPA fee to see the discrepencies in my taxes. I have recording on those calls from those date mentioned above. I need my refund and losses and along with my time spent on this.
Product: Debt collection

2019 a case was opened against me and filed withXX/XX/XXXXXXXX   This isnt my debt
Product: Mortgage

XX/XX/XXXX - received a message from NewRez that they had paid my insurance premium. I noticed that the amount was incorrect. They had paid {$9900.00} when the amount due on my policy renewal was {$2100.00}. 

XXXX XXXX I contacted new rez to let them know they had paid the incorrect amount. 

XXXX XXXX receive response below from NewRez saying they paid the right amount and it was my responsibility to let them know of any changes. There werent any changes to my policy! They simply paid the wrong amount. 

XXXX XXXX I called NewRez and they still said they paid the right amount but they would notate my account about my concern and if I receive a refund check from my insurance carrier that I can mail it back to NewRez XXXX XXXX I called my insurance carrier and they have in my file where NewRez recently requested the amount due and they provided it to them. They confirmed that it was the {$2100.00}. So NewRez clearly had the documentation to support the accurate payment yet made a {$7000.00} error and still have not admitted the mistake. 

Now I have to wait to see if I receive a refund check and then go through the process of mailing it back to NewRez. I am concerned that my next escrow analysis is going to erroneously increase my payment. I also have little faith in NewRezs ability to continue to service my loan given their inability to accurately pay an insurance premium.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit reports provided by the credit reporting agencies, including XXXX, XXXX, and TransUnion. These inaccuracies include discrepancies in the " Date Opened '' for certain accounts and inconsistent or incorrect balances across the credit bureaus. Such errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act, both of which require credit reporting agencies to ensure that all information they report is accurate, complete, and consistent. 

Specifically, the following accounts show either inaccurate " Date Opened '' information, incorrect balance reporting, or both : XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXXhe DATE OPEN is INCONSISTENT AND INACCURATEXXXX XXXXThe HIGH CREDIT is INCONSISTENT AND INACCURATEXXXX XXXXThe CREDIT LIMIT is INCONSISTENT AND INACCURATE XXXX  REMOVE THE ACCOUNT IMMEDIATELY DUE TO THE VIOLATIONS OF MY RIGHTS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe DATE OPEN is INCONSISTENT AND INACCURATE XXXX REMOVE THIS ACCOUNT FROM MY REPORT DUE TO THE VIOLATION OF MY RIGHTS - XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe DATE OPEN is INCONSISTENT AND INACCURATE **** REMOVE THIS ACCOUNT FROM MY REPORT FOR VIOLATION OF MY RIGHTS These discrepancies have created an inaccurate and misleading view of my credit history, which directly impacts my ability to access fair credit. Under the FCRA, specifically 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting different dates and balances across credit bureaus fails to meet this standard and unfairly impacts my credit profile and score.

The inconsistent balance amounts and differing " Date Opened '' details across the bureaus may mislead lenders assessing my creditworthiness. To resolve these issues, I am requesting that the Consumer Financial Protection Bureau ensure that the credit reporting agencies comply with the FCRA requirements or REMOVE these accounts immediately. Additionally, I am requesting that any unverifiable or inaccurate information be corrected or removed from my reports. 

Attached are copies of my credit reports, with the specific items in question highlighted for your review, along with any additional documentation to support my dispute. 

Thank you for your attention to this matter. I respectfully request that corrective measures be taken promptly and that I receive written confirmation of any updates made to my reports. If you require further information, please feel free to contact me at via email at XXXX XXXX
Product: Checking or savings account

Im trying to find out if Discover really has an account of some type in my name. I have never opened any type of account with them but I received a letter in XX/XX/XXXX and another XXXX today dated XX/XX/XXXX about changes to a deposit agreement for an account ending in XXXX. I have no idea what this is for. I emailed them the first time saying I believe they have a fraud account open in my name using my name & address back in XXXX. I didnt get a response. I dont know what was used to possibly open anything with them or if the letters are fraudulent. I have fraud alerts on my credit reports & with XXXX. I dont know if I need alerts in some other database to keep for folks from using my info. I would like any fraudulent accounts to be closed. Over the past year or so it I have received letters from at least XXXX banks/credit companies claiming that I have an account that I dont have. The letters were sent to XXXX XXXX XXXX XXXX, XXXX Va XXXX.
Product: Credit card

Citibank erroneously closed my XXXX  XXXX  credit card ending in XXXX on XX/XX/2024. Citibank did not provide any warning or notice prior to account closure. I received an explanation letter dated XX/XX/2024 stating that my XXXX  XXXX  credit card ending in XXXX was closed because " a recent review shows XXXX or more late or returned payments in the past XXXX months on this or another related account ''. 

I reviewed my most recent XXXX  months of all of my Citi credit card statements, which all showed XXXX fees, and XXXX interest. All payments were successfully processed, no bounced/returned/late payments, and no fees assessed for these issues. I have attached all recent XXXX statements for the erroneously closed Citi XXXX XXXX credit card ending in XXXX. If need be, I can provide the XXXX recent months statements for my other XXXX Citi credit card accounts. 

I reached out to Citi by the customer service phone number provided on the explanation letter, but Citi 's customer service was not able to find any further details as to why my account was closed. So it seemed to be closed in error. 

After account closure, I took responsible action to pay off all remaining balance on this account by the same statement cycle, which ended XX/XX/2024. 

Citi also sent a series of contradictory emails in XX/XX/2024 and XX/XX/2024, leading up to my Citi XXXX XXXX credit card account closure date of XX/XX/2024, in which Citi communicated that I am a loyal customer in good standings and with no problematic issues that would warrant an abrupt account closure. 

I am attaching emails from Citi during XXXX and XX/XX/2024 : XX/XX/2024 : Citi stated that " Youre XXXX of our best customers '', and automatically increased the credit limit on my XXXX XXXX card form XXXX to XXXX XX/XX/2024 : Citi invited me to submit for a credit limit increase on my XXXX  card. 

XX/XX/2024 : Citi sent a notification email of approved credit limit increase to from XXXX  to XXXX on my Citi XXXX  card. 

XX/XX/2024 : Citi send an email stating that I am a loyal XXXX XXXX  cardmember, and offering a welcome bonus of up to XXXX on Citi 's investing platform. 

XX/XX/2024 : Citi XXXX XXXX invited me to get a personal loan of up to XXXX 

As my most recent XXXX statements show, there was no failed payment transactions during the past XXXX months leading to XX/XX/2024, that would warrant any abrupt account closures. If there was late payment or returned payment issue, Citi should have penalized me ( late fee, interest charges, returned payment fee ) or forewarned me. None of which happened. 

Due to sudden account closure, I am not able to redeem XXXX of pending XXXX points from my final XX/XX/2024 statement cycle purchases ( XXXX ) and payments ( XXXX ). Per the XXXX  XXXX rewards program, XXXX  % of these final statement purchases and payments total XXXX in XXXX points, which I am owed. The sudden erroneous closure unjustly denies me of these hard earned XXXX points.
Product: Credit reporting or other personal consumer reports

Two collections from similar companies could not verify the dates of these terms and allow the collections to fall off in The allotted time frame. The keep updating the dates to further extended the timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the fair credit reporting act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the XXXX  data breach & i have filed my claims accordingly i have been attempting to clear credit  report of these fraudulent items Experian Report Number XXXX XXXX File Number:XXXX XXXX File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX
Product: Money transfer, virtual currency, or money service

On or aboutXX/XX/2021 I contacted Affirm to advise them that the retailer I purchased from XXXX was not honoring their return policy. The website and my receipt said the product was refundable but their customer service said it was not. Affirm said they would open a dispute and resolve it within 30 days ( this timeframe included a 15 day evidence gathering period in which I submitted documentation ). OnXX/XX/2021XXXX reached out to me and advised me they would accept my return and refund me the expected cost of {$53.00}. I used the return label provided to me and a refund was issuedXX/XX/2021; XXXX advised to allow up to 5 business days for Affirm to be notified. OnXX/XX/2021 I emailed Affirm the evidence of the refund and asked for a status update. There was no response. I emailed againXX/XX/2021 with no response again. I have not been able to make payments to Affirm for this order per their policy of locking the order and it is now also showing up to other creditors as missed payments. I am now at 45 days with this dispute with Affirm which has been resolved for 30 days and have had no contact. I would like them to place the refund on the account and reactivate my good standing - allowing me to pay the remainder of my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has stalked and stolen personal data and assets and sold it after being threatened with litigation. The companies have attempted to use non-disclosed Judgements to garnish wages. The Judgements were agreed to by parties who were not authorized to accept process service on my behalf, they have used the credit entries to produce captivity through credit denials, which leave me exposed and in many cases enslaved. They regularly sabotage my living arrangements and employment. The entries have not been deleted over 9 years later and they continue to attempt to contact me.
Product: Credit card or prepaid card

On XX/XX/2021 I received a Reliacard Debit card, supposedly from US Bank. To my knowledge I do not have an account with US Bank and I did not request the card that I received. I initially tried calling The Cardholder Services number that came with the card, but I could not get connected to a real person to discuss the issue, and could not get passed the computer interface without entering my account which I do not have, or other personal information, which I did not feel comfortable giving them. 

I then called the customer service number for US Bank that was on the FACTs sheet that came with the card. After waiting for 20 to 25 minutes I was connected with one of US Banks Customer Service Representatives. The customer service rep told me that US Bank just makes the card and puts their name on it, but other then that they have nothing to do with the Reliacard. The offered to connect me with the Reliacard Customer Service and transferred me to another line. The new line rang about 12 times and then the line went dead. Since I didn't want to wait another 20 to 25 minutes to talk to another US Bank representative I decided to try and contact Reliacard through their web site at www.usbankreliacard.com. On the web site they had On-Line Chat so I started a chat and told them the issue, they then forwarded me to another site to file a complaint. This site required me to enter personal information, that again I did not feel comfortable doing and I had to pay a dollar, that was supposedly refundable. I left that site and contacted you to file a complaint. 
My concern is that by sending me a card that I did not request pits me at risk of identity theft and would like them to never send me a card that I do not request. I am also very concerned with US Bank, they seem to allow their name to be put on the card, but take no responsibility for any issues associated with the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complaint file complaint stating my score is not being calculated properly XXXX  especially has several hard inquiries that should not be on my report this has been on going I barely have credit and they are not updating my report as they should these agencies has been a detrement to my life. 

I need Transunion and XXXX to remove all old inquiries I have a XXXX XXXX limit on my XXXX that is not being reported by tansunion or XXXX
Product: Mortgage

My homeowners insurance company XXXX XXXX, the last resort provider for the state of Florida ) dropped me from coverage at the end XXXX XXXX due to not having water in my newly constructed pool. The pool building process took one year from contract and it was literally not possible to have water in the pool due to ongoing COVID related delays in materials, manpower, sub contractors, etc. Without a proper electrical hookup, they could not complete the job in a more timely manner. The mortgage company Chase sent me a letter advising that insurance was required or else they would buy it for me. I called them immediately upon receiving this letter, telling them about the predicament, and asking how long I had before they purchased a policy for me. I was told eight weeks. Six weeks later, the pool company completed their job, water was in the pool, and I was covered once again by XXXX with the same prior policy details. 

In mid-XXXX, I received another letter from Chase advising that I need to provide proof of coverage for the six week period I was without or else they would buy a policy for me in the exorbitant amount of {$1100.00}. As providing such a proof of coverage is impossible, I called Chase on three separate occasions asking what could be done. If nothing could be done from a relationship perspective, then the policy is what it is and I am left with no recourse. However, all letters received indicate that insurance MAY be purchased for me, at no point does it ever indicate that insurance WAS purchased. Despite this, apparently such coverage was purchased on my behalf and this {$1100.00} ( for SIX weeks ) will be taken from my escrow account over time.

At no point did Chase ever 1 ) Tell me that insurance was actually purchased 2 ) Who the insurance was with 3 ) What was actually going to be covered by this completely retroactive policy. The fact that a lender is able to use my money months later to purchase a policy and provide absolutely zero insight into the details of this policy or at least even be able to clearly confirm that such a policy was even purchased is appalling since their last letter continues to indicate that I may be charged. Without being provided such details in a more timely manner, it becomes more unlikely and less plausible that I would even be able to utilize this policy to file a retroactive claim against, thus making this practice seem unfair to the consumer. Again, my lack of coverage for this period of time was completely involuntary and since the insurer of last resort for the state of Florida dropped me explicitly due to the lack of water being in a pool, it does not seem likely that another provider would overlook this, thus another reason why obtaining insight into these phantom policy details would be of interest.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent Account from Credit Report I am writing to request the immediate removal of a fraudulent account from my credit report. The fraudulent account is listed under the following details : Creditor : XXXX XXXX XXXX XXXX XXXX Debt XXXX XXXX  Account Number : Placed for Collections ( amount {$3200.00} ) Date Reported : XX/XX/2024 Account Status : collections I have thoroughly reviewed my credit report and have identified this account as fraudulent for the following reasons : Identity Theft : I have never opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in any transactions with them. The account in question is a result of identity theft, and I have taken the necessary steps to report the fraudulent activity to the authorities. 
Inaccurate Reporting : The account is reporting inaccurate information, including the date of last activity and the date of first delinquency. This violates the Fair Credit Reporting Act ( FCRA ), which mandates that information reported by credit bureaus be accurate and complete. 
Failure to Investigate : Despite my repeated requests, XXXX has failed to conduct a reasonable investigation into this matter. This is a violation of my rights under the FCRA, which requires credit bureaus to investigate disputes and correct or delete inaccurate information.

Consumer Rights Violations : By allowing this fraudulent account to remain on my credit report, the credit reporting agencies are infringing upon my rights as a consumer. These rights include the right to dispute inaccurate information and the right to request a free copy of my credit report once every 12 months. 
In accordance with my rights under the FCRA, I demand that the credit reporting agencies immediately remove the fraudulent account from my credit report and provide me with a revised copy of my credit report reflecting this removal. I also request written confirmation of the removal and any actions taken to investigate this matter. 
Please note that failure to comply with this request may result in further legal action to enforce my rights under the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal. 
Sincerely, XXXX XXXX You will also see that I have no inquiries regarding any request to ANY credit request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items to be updated or corrected right away! 
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