23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 've been a victim of identity theft. On or about XX/XX/XXXX I 've obtain a XXXX Credit card and was given a free credit report. I soon then gotten a delinquent notification on my credit report. I then found out that I have a XXXX 's CC that I never open. The last time that I applied for a XXXX 's CC was back in XX/XX/XXXX and I decided not to use it because I only have a limit of {$100.00}. I soon called and find out that the XXXX 's CC was open on XX/XX/XXXX and the person who did this was making payments on it. I called and ask about how this has happen and filed all type of paper work to get this fix. But it been about a year now and nothing has been fix. I submitted A police report followed up with a identity theft affidavit to help me get this fix. But XXXX 's department keep denying my case for over 1 year now. I 've even got the purchase info for the person who was using the account and it was clearly a woman whom was using the account and yet the said it was me and denied my claim because they said that I open the account with me ID. But clearly this a identity theft issue. XXXX 's has yet understand that. They will not give me the account number because they said it 's a identity account but after even saying that, they are still pursuing me to pay the amount that I never use or open up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about my credit report and the remarks. According to the company the report stated that I had serious delinquency and public record or collection filed. I was aware of the public record but no collection files or delinquent accounts. After speaking with a supervisor I was advised that I had XXXX accounts that were charged off, one from XXXX XXXX that reported two lat payments in XX/XX/XXXX and reported a XXXX balance. I made sure I understood and this account came to Equifax reporting 1. XXXX balance 2. Charge off then two late payments. My question was if the account was paid and never reported a balance then how do you report it as been late? Then the account for XXXX 's which I disputed online with the Equifax monitoring and never received any follow up so this item should have been removed. Both accounts are older collection items and are reporting outside of the statue for reporting in which I have mentioned in my disputes. They have failed on all accounts to update and keep giving me that 30 day speech.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I know that is my problem. I went to the XXXX XXXX Store to pay my card like I have every time I make any purchases from them. I use to get statements telling me what I owe, but the lady said they don't do that any more. So when I bought my cosmetics in XXXX, I need more fragrance and my face crme. {$230.00} I was going to pay cash but the girl told me I get a discount if I use my card. I know I had the Diamonds card because I always buy my cosmetics here, the lady looked up my information and up it on my now XXXX XXXX card. They changed names again. So, I go back to the store in XXXX with my son, XXXX XXXX XXXX, and while I am there I make a payment, lady says balance due is {$29.00} but I know I bought my cosmetics so I make the payment for {$40.00}. I go back in XXXX, daughter 's birthday, while I am there I asked the lady for my balance so I can pay it off. The tells me the balance is {$300.00}, I asked why it was so high and she said she could not tell. I'd have to check my statement. I asked how to do that and she said online. Okay, I have email, haven't received a statement from XXXX 's so I think, I'm old, maybe I missed it. I paid the balance of {$300.00}. In XXXX I get notice that my credit scored dropped because XXXX 's closed my credit card, I was 60 day late for a {$7.00} balance. My credit score went from XXXX to XXXX. This is a big problem. I still do not know how a {$230.00} purchase turns into {$300.00} + {$40.00} in two months time. And when you pay what they tell you, only to have to owe more. I can't guess my account balance. I tried to call them and the customer service people said the cards closed and that's, that. I disputed with the Credit Reports and they said XXXX XXXX is right. The information on my Credit report is not right. The have me paying in XX/XX/2020, nothing was open in XXXX of 2020 and I sure the XXXX wasn't out Shopping in the middle of the Pandemic. I may be old, but I know where my money goes. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent up a dispute letter which pointed out inaccurate and nonfactual information on my credit report. Till this day I have no heard, been notified nor contacted about the aforementioned disputes. Over 30 days later, I can not help but feel as if I am being ignored and my fair credit reporting rights are not being exercised. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my report promptly. I demand immediate removal of all listed accounts or I will file for litigation for the mental and emotion stress this situation is causing me.
Product: Credit reporting or other personal consumer reports

It was a data breach from XXXX XXXX, 15usc 1681, they sent me a letter this year XXXX letting me know my information was exposed. So I would like to address any delinquent inquiries
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Transworld has been leaving voice mails twice a day concerning a debt. I have tried calling phon # back that they specify only to be put on hold forever! This has been happening for several monrhs. I am debt free!! This has to be regarding a family member.
Product: Debt collection

I pulled my credit report and noticed XXXX XXXX from Professional Credit Management. I was unfamiliar with the debt so I reached out to them to get more information. They noted some medical bills. XXXX was very old from XXXX that I don't recall. XXXX others were from during the pandemic in XXXX. I asked for an itemized statement and they sent me a collection letter with XXXX line items noting only the original creditor and amount due. I then contacted the original creditor to get additional details. The agent there said that one of the bills in question did not match my identity information she had on file. She was unable to provide much more information. I called the collection agency back and informed them that I was questioning the validity of the bill. During the time in question, I was pregnant and on state provided XXXX. I should not have been responsible for any medical bills at all. However, in talking to both the original creditor and the collection agency, neither can prove that the debt does in fact belong to me. They want to keep putting the responsibility on the other to rectify. I have disputed with the credit reporting agencies to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have multiple XXXX  that has been added to my credit report that are not mine. I have sent a letter to the court asking why these XXXX  under my name and was informed they did not provide this information to you all. I believe this is for another person and I am requesting that you al remove this information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX. 

Invalid account number. I didn't receive enough information to verify the debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Transunion, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX, Transunion, and XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, Transunion, and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Transunion and XXXX complies with federal law and provides consumers with the necessary proof of investigation. Below are the accounts that are inaccurate. 

XXXX XXXX XXXX XXXXXXXX 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 ( Already removed from the other bureaus, due to lack of proof and time. Please remove ) XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I called Ameris Mortgage and ask to have the PMI removed from my mortgage and to send me a current copy of the Commitment and Certificate of Insurance. When this request was first made I was not under the XX/XX/XXXX LTV. I was given the option to make a lumpsum payment to bring my equity to below 80.75 % the current LTV. So upon the next payment I reached XX/XX/XXXX % LTV and again requested the PMI be removed, They are now requesting the $ $ for a new appraisal. The balance on this loan is {$220000.00} from original loan of {$240000.00} on XX/XX/XXXX. Pre-Construction appraisal of {$270000.00}. XXXX XXXX homeowners replacement cost is {$400000.00}. There is no justification for a New appraisal, I begged to have a post construction appraisal done, but they refused and forced us to go with a Pre-Construction appraisal. If a Post-appraisal had been allowed, my equity would have been above the XX/XX/XXXX XXXX and no PMI would have been required. 

They provided me a copy of a Commitment and Certificate of Insurance, But it was for my construction part of the loan for 12 months. I contacted them again and advised this and asked again for the current Commitment and Certificate of Insurance on my mortgage. They then mailed me the PMI disclosure from my Construction loan. I contacted them again and advised thus and they said they could not find and/or provide me a copy of the Commitment and Certificate of Insurance. They instructed me to call XXXXXXXX XXXX XXXX, and ask for a copy and they would be able to provide this to me. They also gave me the phone number. I called XXXXXXXX XXXX XXXX and they advised me that they could not find any PMI Policy under MY Name, My Mortgage Address, or My Loan number. I contacted Ameris Mortgage and ask for all my PMI payments be returned as no policy is in effect. I have been given NO explanation, No help, No return call, No way to talk to PMI Dept as they don't have any phones in that dept., No place anywhere in GA to walk in and talk with any representative in person. It has been alot of dead ends, and NO answers to my very legitimate request. Any help would be appreciated.
Product: Vehicle loan or lease

I am delinquent on my motorcycle payment so have decided to surrender it at my own discretion I have also been in contact with the repo agent and set things up for him to take possession of the bike he stated in a txt message that he wasnt going to meet me because Harley Davidson had charged the account off already and now the financial company wants me to drive down there again and surrender it It has cost me XXXX dollars each time I travel there and back they also continue to do hard inquiries on my credit when its already stated that I was surrendering the motorcycle this is a gross act of service
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX OF XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Money transfer, virtual currency, or money service

I received a called and said they was from XXXX XXXX XXXX and they asked me to make payments arrangements, because my account was behind on payments. Also, said that i need to send the money trough XXXX in order to be process the same day. Also, said that if i denied to do it they will cut the service in less then an hour. I started to send the {$350.00} that they asked and they said that i did it wrong and have to resend it again. I suspect that it was a fraud so i contact the XXXX XXXX XXXX company and they said is fraud and that i have to contact my bank and the police. I did it and the bank lady told me that they take out of my account almos {$1200.00} dlls, and also said that the money went to a XXXX XXXX account. She told me to wait, because they know where the money was deposited. I was waiting the time they asking and around two weeks later received a letter telling me that it is nothing to investigate because i authorized the transaccion.
Product: Credit reporting

Unauthorized hard inquiry to my credit report by EQUIFAX MORTGAGE SERVICE on XXXX XXXX 2017. 
I did not apply for any mortgage loans and was out of the country at that time.
Product: Credit card or prepaid card

On my Citi card account I made two payments over the phone with customer service. I was told the payment did n't go thru. I made online payments with no problems, they always went thru. I made an online payment to bring the account current. Without contacting me about the account being closed, they just sent me a letter announcing the account was closed because of those two over the phone payments which they said they presented 3 times each. My bank said they have no record of those two over the phone payments ever being presented for payment, not even once, let alone 3 times each. For the last two months I have been trying to straighten this out. I have been told my complaint would be reviewed and someone would call me. No one has called me other than their phone customer service people wanting me to make a payment over the phone. I have informed them that when the account is reopened or a new card of the same type with the same benefits with the old balance transferred to the new card, and everything is restored to where it was, the way it was, then I would resume making payments. Until then I will make payments into a separate saving account so when they have corrected this mistake, I will forward all those payments and bring the card current. I did everything the way I was supposed to. I did nothing wrong and yet I am being punished and seriously inconvenienced. Since my bank has no record of the payments in question having ever been presented, it would seem my bank did n't do anything wrong either. And yes, I do want this published on consumerfinance.gov. Thank you in advance for your help in resolving this matter. Oh, and there better not be any credit report repercussions either, since I did what I was supposed to do.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting an immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law it is my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted that there were substantial changes to my credit report, reading 2 late payments on my XXXX XXXX Credit Cards. I had set up Automatic payments so I attempted to resolve the issue with XXXX XXXX Directly. They refused to change any reports. I contacted the credit reporting agencies XX/XX/XXXX and again XX/XX/XXXX to resolve the issue and I included copies of my credit card statement that reflects a payment made and bank withdrawals along with my letter of complaint. Of the three bureaus only XXXX corrected the mistake ( XX/XX/2020 ). I contacted XXXX XXXXXXXX again and opened another dispute after speaking with a representative XX/XX/2020 who confirmed there were no missed payments on my record and opened a dispute for me to have them removed. I received a letter dated XX/XX/2020 stating they are not inaccurately reporting my information and they will not change how they're reporting my account. 
I have copies that reflect payments deducted from my XXXX XXXX bank account onXXXX and the XXXX   XXXX credit statements showing payments were received. 
Additionally I have copies from XX/XX/2020 showing payment deducted from my XXXX XXXX  account and credit card statements from XXXX XXXXXXXX showing they also received that payment as well. 

I called today to address my concerns with them directly that this is not an accurate reflection on my credit report as I have been making HIGHER than the minimum payment for almost the entirety of my time with them however they stated that they cant do anything to correct it as " this is the policy '' telling me that I need to file another dispute. I asked to speak to someone in their XXXX XXXX Credit Bureau Resolutions sector but they said there is no person I can speak with, only to submit another letter. Seeing as I have filed 2 disputes already with XXXX XXXX and 2x already with Experian, 1x with XXXX and 2x with XXXX I don't believe filing another dispute will be effective. 

This misinformation has been detrimental to my credit, so much so that it dropped my score almost XXXX. I was not able to secure a loan on the home that I have been working to build and buy. It's horrible that a company would be so reckless and such disregard how their policies effect peoples lives.
Product: Vehicle loan or lease

Applied at Carvana to finance a vehicle. Process started at the end of XX/XX/2020, XX/XX/2020 documents were still pending, and several vehicles had been lost. Every time a new vehicle was added ( because the processing took too long on their end ) another credit report was pulled. During two month period that equaled about 4 credit hits from Carvana. At the start of the process credit was just shy of an 800. 
I met all the requirements to be financed through the company, credit score, verifiable income, proof of address. Every document that I send ( documents from my bank, documents from the government, etc ) were rejected at the end of the two months, with no reason given.

The real issue was that they did not want to finance the vehicle because I am a retired XXXX year old XXXX female. Carvana is practicing discriminatory lending processes, they know what XXXX you are before the process starts because they have your drivers license.
Product: Credit card or prepaid card

In XXXX I had over 100 thousand dollars in Fraud on several XXXX accounts. Every other company fixed this. however American Express has dragged this on despite me calling and complain every three days. I have a XXXX XXXX dollar limit and they approved XXXX XXXX dollars in charges. I pay XXXX in good faith since XXXX and they told me the other day they dont even have a case pending. I spoke to a supervisor who said they would work with me and call and no one has. I just got a email my case is closed again. They allowed all of these charges despite being fraud and are continuing to pile on interest and late fees. In one day alone they allowed over 5 thousand dollars in XXXX charges. They keep telling me different things like it is being looked at and then I get a late fee.. They say dont worry about paying that but nothing has been resolved. I really do not know who to turn to any longer. I have tried to be cordial and work with them. They have no idea what they are doing Ask for the chat and call logs they have it will explain everything in detail they have been saying. It wont let me send it but I have the chat logs
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Our mortgage was sold to Ditech about a year ago and we 've had nothing but problems. I logged on to check my principal balance on XXXX/XXXX/16 and saw my current amount due was {$7700.00} XXXX our monthly payments are {$1900.00}!! We pay bi-weekly and not only are we AHEAD on payments, the money is automatically deducted out of our checking account. We have NEVER missed a payment and NEVER been late. 
I called customer service on XXXX and spoke with XXXX ( ext. XXXX ) who told me it was a software glitch and would be corrected in 24 hrs. Two days later on XXXX when it still showed delinquent I called back XXXX XXXX ext. XXXX ) and was told it was due to a software upgrade a few months prior and it would be corrected by the end of the month. At this point I 'm XXXX, but there 's nothing I can do. I am reassured there is no problem with my mortgage and I wo n't be reported as delinquent. 
Three days after that ( XXXX ) someone COMES TO MY HOUSE to deliver me a delinquent notice on my mortgage. My husband and I are LIVID at this point. And mortified. 
After researching my principal balance, I show where the balance goes down as expected, and then shoots up {$3000.00} a few months later. 
I again call and speak to a representative who said the payments we made that were n't applied to my account ( but were held as " un applied funds '' ) were later applied incorrectly and my increased balance was due the re-allocation of the funds. How is that allowed?? 
I called to request an audit on my account and I was told all I can get is a print out of my payment history. I do n't know how they can XXXX around with our mortgage like that without any accountability, even embarrassing us by sending someone to our home!