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

Good Day, I got an email on XX/XX/2018 from XXXX : Dear XXXX, As a benefit of your XXXX XXXX membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

This is a FREE benefit of your XXXX XXXX membership. We will continue to monitor your credit file daily and ensure that you'll always have an up-to-date snapshot view of your credit. 

Your credit score is refreshed monthly. Make sure you go to the XXXX XXXX every month to check your score and score history. Log in to your account now. 

Thank you for choosing XXXX XXXX. 

Sincerely, TransUnion I created an account after entering personal information, including a credit card number. Credit scores then appeared, along with other information about my credit. On closer examination, I discovered I had been signed up for credit monitoring, for {$19.00} /month, and that the first month had already been billed to my credit card. There was no indication that I would be charged for this service. I called XXXX, and at first, they claimed not to be able to hear me. I finally spoke to XXXX, who, at first, claimed that the first months ' charge could not be refunded. After much negotiation, she promised that the first months ' charge would be refunded, confirmation # XXXX. 

Please encourage TransUnion to make it clear that the service offered by the email costs $ XXXX/month. Please ensure that all charges associated with this matter are refunded to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Product: Mortgage

I've owned my house 19 months and the value has gone up significantly. The value of my home vs what I owe is way more than 20 % therefore I want to drop the PMI. I contacted my mortgage company, Mr. Cooper to do this. I initially contacted them in XX/XX/2021. I've contacted them in total 6 times about this same mater. Every time I call it takes anywhere from 1hr to 2 days ( in the recording you can leave a call back number, no they won't provide a direct number to the PMI department ) to get In touch with someone in the PMI department. When I finally get to talk to someone they have no record of my previous call or calls. Every conversation I have to repeat myself and I learn of a new step in the process. First I was told just to submit in writing requesting it be dropped along with an appraisal. Then it's up to XXXX XXXX  and that I needed a " PMI Appraisal '' and that I needed substantial improvements to the house. Mr. Cooper then submits the PMI appraisal to XXXX XXXX, XXXX XXXX takes 30-60 business days to review my request. Here I am 4 months later and it's still not done. I'm still having to pay my PMI monthly with no end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.XXXX, XXXX, XXXX XXXX , 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: Vehicle loan or lease

I accidentally made a payment online twice via ACH though my checking account. I immediately called them to cancel the second one that still showed pending on my transaction history screen. They told they would not cancel the ACH and that I would have to issue a stop payment through my bank. Which would have caused the payment to be returned with them resulting in additional fee 's from Compass. My bank would have also charged me a stop payment fee on the ACH transaction as well. The rep I spoke with was XXXX. I finally told him to post it as a principle only transaction since they refused to cancel it.
Product: Debt collection

Around XXXX XXXX I noticed a negative account on my credit report. I called to inquire about the debt. It several attempts to find the info. I noticed it was in my maiden name and the debt collection agency would not give me more info. They were interested in me paying the debt. I got a letter in the mail showing that the debt collection agency sent from the original creditor. On this bill, it has my maiden name, a very old address I lived at over 15 years ago, but the dates were several years ago. At that time I didn't even have utilities in my name and I do not use my maiden name. 
I have tried disputing it several times with the credit bureaus but it keeps coming back as validated debt. 
I called the original utility company to see why was the debt sold to a collection agency that was not mine. I spoke with 3 different representatives and no one could find the debt in their system. I provided them with all the information and there was nothing there. They found another old bill in my name that was paid in full. 
Basically, I have a debt that is reporting on my credit report. It shows the dates XXXX & XXXX for {$160.00} from Transworld TSIXXXX. The original credit ( XXXX XXXX ) has no information on this debt. They were unable to locate it. I am not sure how this TSIXXXX  got this debt. 
It is reporting on my credit report on XXXX XXXX XXXX which is negatively impacting my credit score. I should not have to pay a debt that is not mine.
Product: Credit card

Credit Reporting and Unauthorize and Unnottifice Charges by " Banco Popular '' Lack of Transparent Communication : " Banco Popular '' charges a membership fee to all credit cardholders, but does not adequately notify customers of this charge. As a result, many cardholders are unaware of the fee and do not pay it. 

Unethical Reporting : Without prior notice to the customer or verification that the customer is aware of and agrees to the charge, " Banco Popular '' reports the unpaid fee to credit bureaus as an unpaid debt. This can be considered unauthorized credit reporting, as customers were not given sufficient information to consent to the charge.

Negative Credit Impact : This reporting affects the customer 's credit report and potentially lowers their credit score, causing long-term damage to their financial health. Customers are not given a chance to rectify the situation before it impacts their credit history. 

Absence of Remedial Measures : Unlike other financial institutions that provide customers with alerts or options to dispute unauthorized charges, " Banco Popular '' does not offer an easy method to contest or become aware of this membership fee before it becomes a problem. 

This practice could potentially be deemed unethical or even illegal depending on the jurisdiction and specific laws regarding financial practices and consumer protection. If you or anyone else is experiencing this, it would be advisable to consult legal experts or financial advisors for personalized advice on how to handle the situation.
Product: Student loan

My student loans are in deferment but my credit reports were sent information that 17 loans increased from XXXX -XXXX  in the amount of {$3400.00} and 17 separate entries were added to my accounts with the comment fixed rate. This was 34 hits to my credit report. I called XXXX today and spoke to an agent who said she has no idea what the charges are for or why 17 comments were made. She had no record of any new charges or comments being added to my accounts her employee Id is XXXX
Product: Mortgage

Simmons bought out XXXX and from the beginning of my loan my insurance and taxes have been escrowed. And iaround XXXX we were told that our insurance had lapsed several months earlier. It took an act of congress to make simmons admit that they messed up and I had to quit work and school to be XXXX XXXX  to my XXXX yr old daughter that had passed away with XXXX XXXX. After she passed then i was told that i was just going to have to do without because i had not worked or had enough credits to get health care or any type of help. It was about 2 years after she died that i found out that Simmons was Charging me for Hazard Insurance then expected us to get back the insurance they lost and they didnt want to even acknowledge that at first that they knew anything about it. But After all of that and fighting through getting getting more insurance ( Had to take a lot less coverage just to come close ) with the insurance getting into lapse position due to them and being penalized like it was my fault, our escrow increased our house payment by about {$100.00} a month and have tried to work this out with them 2 more times but they just keep adding on and my wife and i were on a fixed Budget, Both XXXX. Now they are trying to say we are {$5000.00} late and my original payment with insurance and taxes was {$420.00} and now the payments are about {$550.00} they are threatening foreclosure. I need help and need someone on my side. We have all the paperwork proving this to. Thanks, XXXX XXXX
Product: Mortgage

We applied to refinance our loan back in XXXX to refinance our home loan. After 30 plus days of no response I filed a complaint with CFBP. I heard back from Freedom right away. It has been 60 days now with no contact. I have left a number of messages and sent numerous emails each week requesting updates. I have contact XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I emailed on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. In between all of those emails requesting updates I have left messages. I am at a loss as what the issue is with the loan. We have credit scores over XXXX, we have enough income and the appraised value leaves us with a LTV under 80 %. 

I would greatly appreciate it if someone at Freedom would contact me and let me know what the issue is with the refinance and more importantly respond to any of the emails/calls. I would never treat a customer in such an unprofessional manner as to how this company has treated us. If they had not already pulled our credit I would have gone with another lender. I don't believe in rate/lender shopping with multiple hard pulls on credit.
Product: Credit reporting or other personal consumer reports

Trying to log in an existing account with Experian. Won't allow me into my account -- says can't verify. Won't allow me to talk to a real person and none of the online or phone things they want me to do is helping. Not real happy right now considering there was a recent data breach!!!!!! Experian has had issues in the past with being hacked so am concerned that something is wrong. XXXX help and satisfaction from this company!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX  are reporting incorrect accounts on my credit report. Here are a few details that you should be verifying are accurate : Account Number Creditor Name Open Date Charge off Date Payment History Borrower Names Balance I wrote a letter each of the three credit bureaus stating Ive found incorrect information that needs to be removed. XXXX XXXX, XXXX and XXXX
Product: Debt collection

This debt is not mine. I don't have any ties with this company or collections agency. Please remove from my report. I have contacted the company.
Product: Checking or savings account

U.S. Bank closed my account but never returned the remaining balance of {$15000.00} to me. I contacted U.S. Bank so many times, and none of the agents able fix the issue.
Product: Checking or savings account

I opened a Citibank checking and savings account in XX/XX/2018 due to a {$400.00} promotional offer. {$15000.00} was deposited for 60 consecutive days as per terms and conditions. It has already been 4 months and bonus money has not been received. Bank automatically closed my checking account and said it was due to zero funds after 90 days. I had kept all deposit money in the savings account and was never informed I would need to keep money in the checking account. As a result of the automatic closure of the checking account, Citibank says I am no longer eligible to receive the bonus. I would like to receive the bonus since I met the original offer requirements ( keep {$15000.00} deposited for 60 consecutive days ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In reference to claim XXXXXXXXthat is currently still OPEN with the CFPB. Transunion never responded or gave updates. Instead, they automatically sent an automated response in the MAIL which I did not request, saying they did an investigation and everything I stated was inaccurate. I don't know how an investigation could be completed in a day over a serious matter in the still OPEN complaint that i have that's nowhere even resolved. As a consumer I am entitled by law to a thorough investigation, and I did not receive that. So, I would like to know how the information and investigation was " verified ''. Would like to know the exact PROCESS and PROEDURES used in said investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting a update copy of my annual free credit report from XXXX XXXX and order sites. The information on XXXX XXXX shows Equifax has block forwardong a updated report since XX/XX/2017. I have contacted Equifax several times to tried to resolved this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.
Product: Mortgage

Chase Bank NA has made XXXX 'automatic payment ' requests in less than 35 days, after I repeatedly requested that this automatic payment feature be turned off. XXXX of these requests happened after I spoke over the phone with a chase bank representative who confirmed that the feature had been turned off. The result of these XXXX automatic payment requests in a single 35 day period is that my checking account was over drawn twice. 

At the same time, Chase bank has been charging interest on overdue credit card payments. Because so much of my cash has been tied up in these mortgage 'automatic payment ' errors, I have not been able to pay down the balance on my chase credit card account XXXX. Therefore I would also request a refund of the interest charges on this chase card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. 
THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE 30-60 DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature  on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX US BKPT CT OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! My employer is XXXX XXXX My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! This is my only number XXXX All other telephone numbers are not accurate.
Product: Debt collection

I contacted the company around XX/XX/2024 and requested any and all information pertaining to my name or social security number and also told them the debt was sold without my consent and did not want any further contact with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I don't know who this company is, or who they are trying to reach, but I have told them repeatedly that they have the wrong number, and to stop calling me. They still continue to call me daily, multiple times a day. After I blocked their number, they started calling from a restricted number. This is harassment.