23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good Evening On XX/XX/2020 during the height of this pandemic, we are both on the front lines in XXXX XXXX, my wife accidentally electronically paid our mortgage payment to Amerihome company ( Old company ) in the amount of {$1800.00}. This Loan no longer exists with Amerihome and was sold to a new company over a year ago. This was paid through the Bill pay  Service from XXXX XXXX XXXX. 

I Have contacted your company ( AMERIHOME ) Several times and was initially told that I would be receiving a physical check in the amount of {$1800.00}. I was told that I would be receiving this check within 7 to 14 days. That time has since gone and I have not received anything. I then contacted customer service again and was told they had no record of that and I was asked to submit proof of payment for my bank. This was after I was already told that I would be receiving a check that they already found the payment. I Was told again that they had no record of that check and that they wanted me to send proof of payment. Which I sent Amerihome the proof payment was made.

After hours on the phone Amerihome stated they sent a check to XXXX ( a company they claim that the check originated from ). I have spoken to XXXX XXXX customer service several time and they have stated that they have no business dealing with XXXX. I have contacted XXXX which states they do not deal woth XXXX  XXXX. XXXX XXXX stated I should call Amerihome and have them refund the {$1800.00} by a different means. 

I went back to Amerihome and they stated they could only refund to where the origional payment came from ( XXXX ) and they will refund the account. XXXX  XXXX states this is not the case and that they cant reverse the payment back into my account and still denies dealing with XXXX. 

This has been an ongoing circle for the past 2 months. I have been hung up on by bith companied XXXX XXXX and Amerihome. XXXX XXXX when I asked for a manager the CS representative stated to me " there is no manager higher than me '' When I asked for a name and a title she said it was XXXX and her tinal was " basically a supervisor '' I have involved the CT Dept. iof Banking and copied them on every email sent and received but have heard nothing. I do not know what else to do. No one at either company can or is willing to help. All I want is a refund of the money that is due to me for the payment made in error to an account that no longer exists. 

I have all the emails and correspondence as well as proof of payment from XXXX XXXX. I would like Amerihome to send me a physical check for the payment amount of {$1800.00}. 

Thank you
Product: Payday loan, title loan, or personal loan

I have been a customer of Brigit since XX/XX/2022. Brigit offers pay period loans as well as credit builder loans and financial planning services via their app and website. I used their payday loan service and often tracked my spending on the XXXX version of their app as I own all XXXX devices. I was mostly satisfied with their services until I tried to buy a home. Two days before closing on the intended home the FHA loan underwriter requested an official account statement from Brigit to ensure that I did not owe a balance to the company or that I was repaying the payday loan as outlined by the agreement between Brigit and I. After searching the app and the official Brigit website I could not find a source to procure an official account statement or any other documentation that could satisfy the requirements to be accepted by the FHA loan office. I reached out to Brigit via their email as their website declared that their preferred method of contact for customer support. I was emailed back the following day a person named XXXX whom I can only assume must be employed at Brigit as a customer service agent as she did not disclose her title within the company. XXXX stated that Brigit was not a bank and thus not obligated to provide me with an account statement. I immediately replied to XXXX 's email asking if there was any other official documentation that could prove any good standing between Brigit and myself. My replay has been left unanswered for over a business day and still has yet to be answered. This caused me to look for other resources and my discovery of CFPB and the XXXX XXXX. After this research I reached back out to Brigit by replying to XXXX 's email again informing her of the information I had gathered and if I was not properly assisted in a proper time frame and if Brigit was not going to comply with US Federal law I would be reporting the company to CFPB and seeking legal action. Due to negligence and non-compliance of Brigit I could be penalized by being denied my almost complete FHA mortgage opportunity, causing me tremendous financial loss, placing a negative impact on my credit, and leaving me homeless. Brigit has still yet to rectify the situation.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

It has came to my attention you guys are trying to collect a debt ; which was a result of Identity Theft. Attached is a dispute letter ; and my ID Theft Report. 

I ask that you immediately stop contacting me, remove the account, and stop all collection activities as soon as possible.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  Bankruptcy Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX CAPITAL ONE Credit Cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX In accordance with the Fair Credit Reporting act, the list of the accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] : No consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below
Product: Checking or savings account

I applied for the US Bank Business Checking Account and was approved on XX/XX/XXXX. The reason I applied was because when I went on to US Bank website, there was a {$400.00} bonus promotion on the screen. I completed all requirements and was supposed to receive the bonus by day 60. However, after 100+ days, I haven't received anything yet. US Bank also charged me {$6.00} service fee twice without me knowing any ways to avoid it in the first place. I contacted US Bank Customer Support several times. The first time back in XX/XX/XXXX, the customer representative confirmed that I successfully completed all requirements and should receive my {$400.00} bonus soon. 

Yesterday, on XX/XX/XXXX, I contacted the US Bank twice to ask why my bonus hadn't shown up yet. They said that the code attached to my application expired before the account opened. This is very frustrating. When I applied directly from the website, there was a {$400.00} bonus offer prompting me to apply, with the note that the code would be automatically applied. If the code did expire, why did they even let customers use that code knowing that there would be no bonus? This is a bad way to get new customers. I checked online and noticed there were other customers who also didn't receive the bonus like me. 

So basically I was prompted to open a US Bank Business Checking account and got charged {$12.00} fees in total, with XXXX bonus. Completely disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : 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 Balance : {$490.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$380.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 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
Product: Credit reporting or other personal consumer reports

I tried 4 times to get the information on credit report corrected. I have sent certified mail and it was returned to me. I have sent copies of the Discover account that was paid in full when I sold my house and it is still showing over $ XXXX.balance and charged off. There was an discrepancy with XXXX XXXX  during the pandemic and they closed the account before I could get things straighten out. They were closing a lot of my accounts like XXXX and other company 's. The XXXX XXXX also didn't acknowledge there was a few transactions in question and they just closed the account without investigation. If I owe I have always paid my bills. XXXX and XXXX XXXX  said the account were charged off but have not received anything to prove it or file on my taxes.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my report right away. I was made aware of a lawsuit filed by the CFPB against the credit bureaus alleging that consumer disputes are not being handled correctly. I request my dispute be handled per the lawsuit guidelines, if not, please include me in the lawsuit against the credit bureaus. Please remove these accounts from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no applied for products with these companies, I have asked that it be removed and its still present 15 U.S. Code 1681i Credit Inquiries Credit Inquiries - Summary XXXX XXXX Experian XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/ 2022 to update these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

I had a flood in my home earlier this year due to refrigerator line leaking. I sent my insurance checks to Dovenmeuhle Mortgage company 3 MONTHS ago. For the past month, they have had all requested ( and needless ) paperwork completed and a promise to have their inspector set up an appointment so the repairs can be verified. One month and many conversations, and emails later, and I have yet to hear from an inspector. In the meantime, I 'm out $ XXXX, AND I 'm paying interest on my credit cards because of all the work performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out because there was a XXXX XXXX XXXX account that was opened through fraud, I reached out to the comapny and they stated they closed it out after I sent in a identity theft form and called and spoke to a supervisor. I also don't understand how it now shows late payments on an account that isn't mine. Please remove this from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Compliant # XXXX refering to Experian was not a duplicate of another compliant. I check every Experian complaint. I was not notified of the " duplicate compliant number either. As I stated, Experian deleted the XXXX XXXX account 3 TIMES and did not notify me as the law requires a credit reporting company to do. Law 15 U.S code 1681d. I request a reinvestigation and want to know why Experian violated the LAW 3 TIMES. Law 15 U.S code 1681d state that after a investigation a consumer must be notified. I WAS NOT NOTIFIED that XXXX XXXX would be put back on my credit report 3 TIMES. Read Law 15 U.S code 1681s-2. I CLEARLY states that a furnisher CAN NOT furnish information if they are notified by the consumer. I have dispute this account with XXXX XXXX several times. I have attached my Experian online credit report document as proof Experian has deleted this account 3 Times and it is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. XXXX day over 30 days later I have not received a response yet. I feel like I'm being taken advantage ofand being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these itemswithin 30 days gives a reason to immediately remove those items from my credit report and it has beenover 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately orI will file for litigation due to the stress caused on me. My information was also impacted by theEquifax data breach and may have gotten into the hands of the wrong person ( s ).
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are reporting without my permission. These accounts are adverse items and reporting without my permission is against the law. 

Under the Fair Credit Reporting Act 15 USC 1681- Congressional Finding and statement of purpose a ) Accuracy and Fairness of credit reporting states There is a need to ensure the CONSUMER REPORTING AGENCIES which are XXXX and Equifax exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy, the consumer would be myself. 

According to the Privacy Act of 1974 ( 5 USC section 552a ) b ) Conditions of disclosure- No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Consumer reporting agencies Equifax and XXXX DO NOT have my consent to furnish this information and they DO NOT have my written consent. All consent to Equifax and XXXX ( Furnisher of information to credit agencies ) Whether its verbal, non-verbal, written, implied, or otherwise is revoked immediately. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Under 15 USC 1681c Information excluded from consumer reports- ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Lastly, 12 CFR section 1016.7 states A consumer may exercise the right to opt out at any time. Please note that I am opting out of your reporting services. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Debt reported on XX/XX/22 by XXXX & XXXX XXXX  in the amount of {$1500.00}. This debt has no association to me by phone number or social security number on account, Have tried to find out directly at a local XXXX XXXX XXXX  store as well as multiple phone conversations with XXXX XXXX XXXX. Neither could provide any information connecting my ss # to this debt. Was advised by their customer service to dispute the debt.