23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2021 my mortgage increased from {$1400.00} to {$2200.00}. Bank of America indicated that the increase was because of a sudden shortage in my escrow account they discovered. I called on XX/XX/XXXX and spoke to a representative. The representative was difficult to deal with, but we finally realized that Bank of America had miscalculated my amount needed in escrow because they did not take my home owners exemption into account ( despite the fact that all of the tax records they claimed to have clearly had my home owners exemption marked ). I asked them to change my mortage back to the orignal amount and the send me a check for the extra money they took from me due to their miscaluclations in my mortage. They gave me an incident number and said they would call me back in 5 business days. I waited 2 weeks and did not hear from them, so I called them back. They gave me a new incident number and said they were still working on it and told me they would contact me in 3 business days. It has been two more weeks and they still have refused to update my new mortgage to the correct amount ( even after they admitted it was incorrect ) and still have not refunded the extra money they have taken from me. I am a XXXX XXXX XXXX in a XXXX XXXX area, and I have only owned this home for a year. This is my first home, and my budget is tight trying to make this work on a XXXX XXXXXXXX XXXX XXXX salary. I am afraid I will miss a payment or be unable to continue to afford my house and savings account payments. Please help me fight back against this big bank and their preditory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I deposited a check to my Bank of America checking account amounting to $ XXXX on XX/XX/XXXX from my XXXX checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth $ XXXX for something that is not my mistake. I contacted XXXX and they said I have no stop payments but Bank of America is committing that anomaly/fraud in my account. I attempted to deposit again and they did the same thing again even my account at XXXX has funds they keep charging that return check fee plus too many overdraft protection in my credit card. 
Due to Bank of America 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credit cards ) at BofA, Until XX/XX/XXXX they are still charging an already closed account. Now they are charging another $ XXXX again to an already closed account. They reported to the credit bureau that I owe them and they reported an inaccurate report to the bureau. My credit score got affected by Bank of America 's fraud. My credit score is XXXX, now it dropped to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I'm reporting that. XXXX, Transunion, XXXX, XXXX XXXX and XXXX are not reporting my credit report correctly. It is being reported that the ILLINOIS NORTHERN BANKRUPTCY US COURT verified a bankruptcy on my credit report.

This is not true I have a letter from the ILLINOIS NORTHERN BANKRUPTCY US COURT stating that the courthouse does not verify any Bankruptcies at all. It also states that they have notified the credit reporting agencies of this.

I was told I couldn't get a response online because they couldn't verify my identity. I'm sending a copy of my I.D So the response can be shared online If you can't prove the US BANKRUPTCY COURT NORTHERN DISTRACT OF ILLINOIS verified the bankruptcy then this is incorrect. Also please provide who is verified/or giving my information to you. This is a illegal attempt to lie and tell me the courthouse provided/verified the bankruptcy. That's why I'm providing my i.d I want all responses online so it's a record of the responses. I want the CFPB to see your full response. If any other information is needed for my identity please State that in a response on this complaint.
Product: Credit card

Dispute Mishandling by Apple Card Team at Goldman Sachs I am writing to express my deep dissatisfaction with the way my dispute case has been handled by the Apple Card team at Goldman Sachs. 

My dispute relates to a hotel booking cancellation with XXXX XXXX XXXX. The transaction occurred on XX/XX/2024, and I canceled the booking on XX/XX/2024. I received the hotel 's email confirmation of cancellation, but the hotel refused to issue a refund. As a result, I filed a dispute with the Apple Card team on XX/XX/2024. To date, this issue remains unresolved. 

Key Concerns : Disputed Amount Error : The accurate disputed amount for the transaction is {$3200.00}, but the Apple Card team initiated the dispute for {$3100.00} without explanation. Despite numerous requests to correct this error, I was repeatedly told that their system did not allow changes to the dispute amount. This issue has persisted since XX/XX/2024, with no resolution, even after four escalations. 
Lack of Transparency in the Dispute Investigation : I am troubled by the lack of transparency in the investigation. Despite providing clear evidence, including the transaction record, the hotel 's cancellation confirmation, and a delayed invoice ( received seven months after cancellation ), the decision-making process was not communicated to me. I have no clarity on how the conclusion was reached or why my claim was not honored. 
I have made more than ten attempts to resolve this issue through email, phone calls, and messages to the Apple Card team, but I have received no adequate explanation or resolution. 

I firmly believe that the evidence I provided justifies a refund. The handling of my dispute, both in terms of the amount error and the lack of transparency, has eroded my trust in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 3 separate occasions I have submitted a formal complaint in writing to Experian requesting that all incorrect personal information be removed from my credit profile. I have sent a copy of my Drivers license and social security number with the correct Spelling of my name and that have refused to comply in removing XXXX XXXX XXXX and all accounts associated with that name as they do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a bank account by two credit unions XXXX XXXX and XXXX XXXX and were denied accounts by both because of what was found in my chex systems they both stated that chex systems showed where I mishandled a checking or saving account. After reviewing my report I did not see anything wrong with my report and called chex systems to explain the report to me. The agent stated that there was no indication of any mishandled accounts so I called both banks to see what they were viewing and they told me I have to refer back to chex systems and they had to remove the comments that were preventing my from opening the account. Chex systems stated that there is nothing that I could do and to go back to the bank. I would like to know what I need to do to clear the items that are preventing me from opening a bank account its not clear what's wrong.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding inaccurate information present on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I initiated contact with TransUnion to address the discrepancies outlined below. Unfortunately, as of the current date, there has been no response from TransUnion. 

XXXX  XXXX Account # XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ) : Incorrectly reported as late. Please correct/update this information on my credit report. 

XXXX  XXXX Account # XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3.00} ) : Incorrectly reported as late. Please correct/update this information on my credit report. 

XXXX Account XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$170.00} ) : Not my account. Requesting removal from my credit report. 

XXXX Account # XXXX ( Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : Not my account. Requesting removal from my credit report. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) : Balance discrepancy. Requesting verification and reporting as disputed while I address the issue with the creditor. 

XXXX  Account # XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00}, Original Creditor : XXXX  ) : Not my account. Requesting removal from my credit report. 

XXXX  Account # XXXX ( Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ) : Not my account. Requesting removal from my credit report. 

XXXX  Account # XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ) : Not my account. Requesting removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According the FCRA, Transunion and XXXX have violated at least 2 laws while trying to verify my credit report. Please see infractions below : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Product: Debt collection

On XX/XX/2021 I went to the XXXX XXXX to get a XXXX XXXX  and they sent me to 5 different places in the hospital for a simple XXXX XXXX I was being told that my insurance would cover this cost, If i were to pay the copay. I paid the copay and never received a bill, letter, call or an online notification saying that I needed to pay more. 6 months later I received a letter from a debt collector saying that I owe money and now I need to deal with a company called USCB that they do not even have an email address on their webpage. I called multiple times XXXX on XX/XX/2021 to get an answer but they kept transferring to a different departments and finally they transferred me to a fax machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose. 


Also as stated I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

This morning, I was extremely surprised to see false accounts listed on my credit report without any explanation. Ive always monitored my credit, and suddenly, there are discrepancies that werent there before. I even tried refreshing my browser, thinking it might be an error, but the accounts didnt disappear. Given the seriousness of this issue, Im asking for my submitted documents to be reviewed thoroughly so I can finally put this XXXX  behind me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of certain information from my credit report as I am a victim of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that the following account be blocked and deleted from my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Account Balance : {$14000.00}
Product: Debt collection

CONSUMER ADJUSTMENT COMPANY INCORPORATED placed a collection notice on my credit. I contacted them about it and their agents were being childish and failed to disclose any information about it at all and simply were pushing me to pay the debt instead of validating it. i researched the company and they do this a lot. I have a sense that they bought my information somewhere and filed this debt scaring me into paying. This is their business model. They have no business relationship with U XXXX XXXX as confirmed by U XXXX XXXX. They should be investigated and provide appropriate contracts they have with their clients and how they got my information from steps A to Z. I will also be reaching out to my attorney about this matter since this company has a whole class action group of people it has been trying to take advantage of. I expect the CFPB to take this seriously. Simply do a XXXX search on this company and inquire of them how they got my information and what relationship they have with U of XXXX XXXX because I have in writing from U of XXXX and their XXXX that they do not have any relationship with them. This is also ruining my credit right now when I am house shopping and other things. I am expecting some penalty to be paid to me for my damages. This company claims they tried to validate the debt. This is false. I called twice because they were childish and pushing me to pay. They should release copies of the phone call. Their reign of terror over victims should be over and CFPB should lead the way. Just XXXX their company.
Product: Debt collection

BANK OF AMERICA HIRED XXXX TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.
Product: Credit reporting or other personal consumer reports

Someone is getting apartments in my name. I only had 2 apartments in my entire life and I went to apply for a house and I was denied. Because I had 3 recent eviction. Then I find out I had a cable bill in my name in Michigan Ive never lived in Michigan. I just found out XX/XX/year>. They said this been going on for XXXX. Im really unsure. But I really need help.
Product: Debt collection

We were contacted by this company in the summer about a medical bill that was unpaid. When the representative reviewed the bill it was discovered to have been filed under the wrong insurance. We gave the representative the correct insurance information and she assured us she would refile. We did not hear from them again until XXXX XXXX, 2016. On XXXX XXXX Nationwide called my husband multiple times during the day. When he explained to the representative that the insurance needed to be refiled she became belligerent with him and began insisting that he MUST pay the debt right then. He tried explaining to her that the insurance needed to be filed with the correct patient and number but she did not listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i contacted each bank that showed on my report i did not apply for
Product: Debt collection

A gentlemen has been repeatedly calling and emailing me about a debt I owe from borrowing money from an e-money service that I do not recollect borrowing from. He insists I need to pay him {$1000.00} and says I have XXXX hrs. I proceeded to call his bluff and he told me my SSN, so he has access to my PII without me giving it to him. 

He claims he is with Titan Solutions Group LLC ( https : //titansolutionsgroupllc.com/ ). The website does not state what the business does, only a link to create an account and pay them. No terms of service in the website and typos and misspellings that lead me to believe it is a man posing as a debt collector from a fake company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I took out two private student loan accounts during medical school with XXXX. These two accounts were in deferment during my XXXX XXXX. In XXXX of my XXXX XXXX year, I was contacted and told that these accounts could no longer be in deferment because XXXX XXXX to specialize in the field of XXXX XXXX is considered " XXXX XXXX '' - the option for deferment no longer applies. At the time, I was unable to make the payment on these loans as I was making less in salary than what was owed per month on the loans. As a result, the loans were sent to collections with the company XXXX XXXX. On completion of my training, I contacted XXXX XXXX and settled the two accounts on XXXX XXXX, 2017. I was told that these accounts were now paid and closed and that they would be reported as such to the credit bureaus. The first account was in the amount of XXXX XXXX and settled at {$19000.00}. The second account was in the amount of XXXX XXXX and settled at {$18000.00}. I have proof of payment letters from XXXX XXXX dated XXXX XXXX, 2017. I contacted XXXX on numerous occasions to attempt to have these loans removed from the delinquent status. After many attempts and many hours of being transferred from department to department and being told that XXXX can not find me in their system by either my SSN, name, date of birth or the XXXX account numbers, was able to find a gentleman by the name of XXXX at number XXXX who confirmed that the accounts show as XXXX balance and closed. I asked for a letter stating such and he said he was unable to give out that information. He was also unable to explain why it was still being reported as delinquent and in collections to the credit bureaus. I was asked to send letters of proof of payment as well as a copy of the credit report that shows the accounts as still in collections. I sent these immediately by fax as I was told there is no electronic option at this time. I had to send the fax several times as they were not being received on XXXX 's end. This was over a week ago and I have still been unable to get an answer as to why these loans are being reported as delinquent or to get a letter stating that the accounts are paid and closed for my mortgage company. My husband and I are currently in the process of applying for a mortgage and these two accounts are the only issue on my credit report. They are dropping my score by at least XXXX points. At this point, I have spent tens of thousands of dollars to pay these loans and have disputed them several times. I have even hired a company, XXXX XXXX XXXX, to assist me in disputing these loans that are PAID and it has been to no avail. XXXX is still reporting these loans as open, delinquent and in collections. They are affecting my ability to purchase a home for my family.
Product: Student loan

I am pursuing PSLF and had my payment history reviewed under the limited PSLF waiver. I believed I had a fairly clear cut case, and was expecting my qualifying payments to increase significantly. However, after review my number of qualifying payments have actually decreased from the update I received last year. Also, I lost three qualifying payments when I was given misinformation from a FedLoan rep in 2019 ( I was advised to put my loans on forbearance for the three months I was out of work from a work related injury because I was " technically not working at a qualified employer during this time '' - I later learned that I was still technically qualified as employed and missed out on qualifying payments ). This is incredibly stressful, I am so burned out from community XXXX XXXX XXXX ( which is what nonprofit work in my field is ), and am struggling to hang on for the less than 3 years ( now, according to FedLoan, over 4 years ) I was expecting to have left. I can not get in touch with FedLoan 's customer service or the ombudsman. When I call FedLoan, I wait on hold indefinitely ( my record is over 2.5 hours ). When I request a callback, no one ever calls back.
Product: Debt collection

yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered a Chapter XXXX Bankruptcy had been re-inserted into my credit file by XXXX. This item was previously deleted on or around XX/XX/XXXX. The credit bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Upon speaking with an XXXX representative name XXXX today, she stated it was reinserted from a notification they received from Experian. This makes perfect sense because I recently file a complaint about Experian on XX/XX/XXXX. She also stated that the item is in dispute based on the information that Experian sent to them. This is very concerning to me, for one how can they report something based on Experian & furthermore, put it in dispute based off that same notification? I never gave Experian permission nor authorization to share or furnish my information with anyone especially another bureau. Both XXXX & Experian have violated the FCRA & upon checking their website to view my report, it states this information was furnished by XXXX XXXX ( a third party ), which is also illegal according to the FCRA. I 'm including the most recent report from XXXX dated XX/XX/XXXX in which you will see that this Bankruptcy was not reporting on my file & has not been for over 2 years. My ask would be that XXXX please delete this item immediately & Experian refrain from sharing any of my information with other bureaus..
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate. This is grounds for removal as they 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 states a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation. here is my certified tracking number # XXXX
Product: Credit reporting or other personal consumer reports

For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. 

For the last time please take a look at my attachment and follow along : Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/year>, closed on XX/XX/year> and reporting as two seperate accounts on credit report : ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? 
2. How can you say you call the company and verified reporting inaccurate information? 
3. How can you close the same account twice at the same time on a credit report? 


Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never have an account or done business with XXXX XXXX XXXXXXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXXXXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. 

Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Inaccurate information I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 
Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report.