23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is a formal complaint concerning the inaccurate and incomplete information that has been reported on my credit file by Experian, which I initially raised with them on XX/XX/XXXX, [ XXXX ]. Despite my concerns, the matter remains unresolved. I am requesting the Consumer Financial Protection Bureau 's assistance to address these issues under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I forwarded a letter to Experian regarding the following accounts, which have been inaccurately reported and appear on my credit report : XXXX XXXX XXXX Account Number : [ Insert Account Number ] Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S. DEPARTMENT OF EDUCATION Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the right to dispute inaccurate or incomplete information on my credit report. Specifically, FCRA Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies investigate disputed information, typically within 30 days, and correct any inaccuracies or incomplete information. My efforts to resolve this matter directly with Experian have not yielded any meaningful action or correction.

Furthermore, Section 602A of the FCRA ensures that consumer reporting agencies maintain accurate, timely, and complete credit reporting. By continuing to report inaccurate account information, Experian is in violation of my rights under this law.

Despite my timely submission of the dispute to Experian, the listed accounts still appear with inaccurate information, which is severely affecting my credit score and financial well-being. The lack of resolution from Experian regarding these accounts is causing undue harm, and I am requesting the CFPB to assist in enforcing my rights under the FCRA and ensure the inaccurate information is properly addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have 5 XXXX XXXX XXXX accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over 4  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated 1 or more of these accounts and reflected it as a Paid " XXXX XXXX  '' account with the main derogatories reporting as recent asXX/XX/XXXX even though supposedly it 's been paid since XXXX 2015. This has caused a significant drop in my credit score and is preventing me from moving forward on a home loan for my family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored. <P/>Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. The account KAY JEWELERS/XXXX  Account Number XXXX Opened XX/XX/2018, is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Mortgage

I recently refianced my mortgage from Ditech ( my prior lender ) to another lender on XXXX/XXXX/2016. As of XXXX/XXXX/2016, Ditech has refused to refund my escrow. They state that they will not release my escrow until XXXX/XXXX/2016. 

Ditech states that their records show a check was mailed on XXXX/XXXX/2016. However, no check was ever recieved. I have reported this to Ditech on several occasions. While they have acknowledged my escrow payment was likely " lost in the mail, '' they refuse to send a " new '' check unless I report the check unreceived on or after XXXX/XXXX/2016. 

Ditech has provided no support that the check was actually mailed, and this process appears to be nothing more than an attempt by Ditech to extend the legal requirement that my escrow be returned within 20 working days.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to make a retail payment on my XXXX Mastercard issued by Synchrony Bank. The cashier told me that payment was reject, which was extremely embarrassing for me and also confusing because I had just paid my last bill. 

I called up my account and found I only had {$1.00} available, which I found peculiar as I had paid my last bill ahead of schedule. I checked with my bank and payment had already been debited. I have no history of delinquency with this card, either. 

On XX/XX/XXXX and XX/XX/XXXX, I spoke with the customer service department for Synchrony XXXX Mastercard and was informed that there was a hold on my card until XX/XX/XXXX. I was given several explanations, including that this is routine for cards that are less than six months old ( mine was issued five months ago ) and that the company was waiting five days for the funds to clear the bank. This answers were weird because ( 1 ) I've been using credit cards since 1982 and never encountered a situation where my account is frozen despite being diligent with payments, and ( 2 ) Synchrony received payment on XX/XX/XXXX and my bank account has already been debited. One manager named XXXX refused to connect me to her supervisor, despite my asking six times. 

I could understand putting a hold on my account if I had a history of delinquency or bounced checks, but I pay my bills in full and ahead of schedule. 

No one I spoke to in the customer service operation would lift the hold, with everyone claiming that it was " in the system '' - as if the company was run by self-thinking computers and no one could access data. I sent a complaint to the executive offices and spoke with XXXX XXXX in the office of the company 's president, but I found him unhelpful - he just parroted what I was told earlier about how unfortunate this was, but said no one could lift the hold on my account. 

I have never dealt with a credit card company that freezes the account of customers who are in good standing. Nor have I encountered a financial services company where no one is allegedly able to access account data for lifting a hold. 

I am asking that the CFPB look into the policies for Synchrony 's XXXX Mastercard.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 at XXXX I received an email that XXXX was sent without my permission from my account XXXX. My wallet was hacked and {$10000.00} aprox was stolen. 


I got a message that stated. 
You sent XXXX XXXX via XXXX network To : XXXX If this wasnt you, lock your account immediately. Then, change your password. 

I called XXXX and they told me they froze my account and started an investigation but I have not heard back from the supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed multiple billing errors. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation.
Product: Debt collection

This is a fraud report. Shellpoint took escrow money since the beginning of my loan for property taxes and never paid them. I had to pay the property taxes myself including the late fee, {$3700.00}, and Shellpoint as of today still did NOT reimburse me. 
In other words, I double paid : Shellpoint withdrawing the money in error ( Shellpoint is liable for this mistake ) and me paying it to the County.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I wrote a letter to Experian asking them to remove inaccurate information on my credit report and sent all of the required documents that they needed in order to proceed with their investigation. On XXXX XXXX, they responded by saying that my request to investigate said accounts did not appear as though it came from me, therefore they will not initiate a dispute nor any further disputes. The first time I called to dispute, they responded by saying I had to write them directly, which I did on XXXX XXXX. Now their written correspondence requests me to call them ( see attached letter ) in order for them to proceed with the dispute?? This is insane and definitely a stall tactic. I have studied credit reporting laws enough to know that they are giving me the run around and denying my my right to dispute the items on my report. This is a DIRECT violation of my consumer rights according to the Fair Credit Reporting Act and it furthermore stalls the investigation process.
Product: Mortgage

In XXXX  I refinance a home mortgage with Chase Bank for a better interest rate. This refinance was from a Chase loan to a new Chase loan. Chase never filed a lien release for the original mortgage. Today I am trying to schedule a closing for the sale of my house and am unable to get a closing scheduled because Chase has not provided the lien release.

For close to a month I have been asking for this to be resolved and have gotten nowhere. My real estate attorney even provided the bank with a title search to get this done. The title search was just completed but Chase replied that it was too old.

Each time I call I am told they have no further information and then am told they will know in 24 to 48 hours, three to five days, 5 to seven days. ( It varies depending upon to who I have spoken to. ) I was promised a Paid in Full letter and a confirmation that the bank will complete the discharge and file it with the county but never received it.

I am now seriously concerned as the buyers have threatened to walk away from the deal and I seem to have no way of getting this resolved. It frustrates me that due to something that Chase should have done years ago that I am now put into this position
Product: Mortgage

On Monday, XX/XX/XXXX, I rec 'd a notice from XXXX XXXX, XXXX, Senior VP, HSBC/XXXX. XXXX XXXX XXXX ( postmarked XX/XX/XXXX ) indicating that HSBC was changing my mortgage home loan servicer. They further indicated that " HSBC '' will stop accepting payments on XX/XX/2016, and that XX/XX/XXXX payments should be sent to XXXX XXXX, XXXX XXXX XXXX 
While the notice stated that " The most important thing that will change are your mortgage home loan number and where to send ... monthly payments, '' no new loan number was provided. 
XXXX has NOT sent out a new XX/XX/XXXX statement. 
I consider this very shoddy -- not to mention abrupt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

Convergent Account # 1234 has violated my rights.

15 USC 1681 section 602 A 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 accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been trying to get the credit reporting agencies ( XXXX, Equifax, and XXXX ) to do reinvestigations for some accounts on my credit report but they keep coming back as verified as accurate and i am getting tired of it. 

These companies have violated my rights as a consumer and failed to do a proper investigation on my consumer report disputes. They claimed these items have been verified but there are obvious inaccuracies. This tells me that they have violated 15 usc 1681i ( 5 ) ( a ) The following items have not been properly investigated XXXX XXXX XXXX On XXXX this account has been reaged illegally every month and this is falsely manipulating the statute of limitations. And overall this collection agency has violated 15 usc 1692e ( 8 ) for false and misleading representations. They do not have the correct open date which also jeopardizes the statute of limitations. 

XXXX XXXX XXXX This account has multiple inaccuracies that have not been properly investigated. 

1. XXXX has not marked this account as disputed and this is a violation of section 623 of the fair credit reporting act 2. Equifax is reporting a monthly payment of {$65.00} a month when XXXX  and XXXX  are reporting no monthly payment 3. Equifax has reported the payment status as 120 days late when XXXX and XXXX are reporting charged off. 
4. Equifax is reporting this account type as a collection when XXXX  and XXXX  are reporting this as a line of credit 5. There are 3 different dates of last activity. XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX ( XXXX ) and Equifax is reporting XX/XX/XXXX 6. The date of last payment is being reported wrong. XXXX and XXXX are both reporting XX/XX/XXXX while Equifax is reporting XX/XX/XXXX. This also falsely manipulates the statute of limitations 7. Equifax reports 120 days late every month which is a lie XXXX XXXX XXXX XXXX company has failed to validate the debt 15 usc 1692g ( XXXX and XXXX ) XXXX XXXX. - The date of last activity does not match. XXXX reports XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX  XXXX XXXX has reaged the account because they are reporting the date of last activity as XX/XX/XXXX and transunion reports XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a monthly payment of {$330.00} when XXXX is reporting {$0.00}. 
XXXX. XXXX and XXXX have failed to mark this account as disputed which is a violation of section 623 of the fair credit reporting act All inquires in my attached letters are in violation of 15 usc 1681b permissible purposes
Product: Mortgage

We filed for a Chapter  XXXX  Bankruptcy and ha d a Wells fargo Home Mortgage  at the time. When we came to the end of the Chapter  XXXX ,  Wells Fargo sent us a Mortgage Modification Plan, wh ich included making three payments during a trial period. We made the payments on the dates they requested, and we have all documents to prove the payments were made.     Once the payments were made, we entered into a mortgage modification. We have since discovered that the payments we made were reported as late, affecting our credit. We have tried to resolve this with "  XXXX  '' from  Wells Fargo, but he h as now reported he will not change the information.     Our complaint is that since we never received any documentation fro m Wells Fargo sta ting that if we made the mortgage payments during the trial period, it would affect our credit. We believe that since we were not notified of the possibility of the negative credit reporting to our credit if we made trial period payments, the reported late payments on our credit should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting XXXX to my credit report that should be removed. Items are not mine. Items have wrong information. Items show wrong reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, XXXX XXXX, and Discover Financial. The Account Opened is XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, and correction of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX. I am a XXXX Consumer from  California. At XXXX XXXX today on my cellualr telephone ending in XXXX I got a SMS Need FAST CASH!? Apply NOW at XXXX. XXXX XXXX XXXX To Stop XXXX XXXX is not ok and woke me up. This is a violation of the California Rosenthal Act to say the least. Contacting any consumer before 8AM is not allowed. 

This complaint also involves the parent company LDF Holding LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account 3 times and each time Transunion has come back and said this account is mine. I have asked for method of verification, and they have not supplied that information. They are reporting and account on my credit report as an active payment history over 180 days past the statute limitations from an account that was supposedly sold. The sold account holder is reporting a balance each month which is illegal. Transunion refuses to investigate which gives me the right to sue according to the FCRA. I have a right to dispute all inaccuracies on my credit report. I want the accounts removed. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX {$280.00} XXXX XXXX {$83.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I did not recognize. I contacted the credit bureau to dispute these hard inquiries and requested the removal. Unfortunately, the credit bureau refused to remove them off my credit. This issue is causing undue stress and is negatively affecting my financial standing.
Product: Mortgage

Property insurance was due XX/XX/2023 it was not paid is XXXX  days late. Contacted insurance company to ask why was not provide reason or any assistance in getting it paid. They indicated it would get paid 7-10 business days and I am concerned about my insurance being cancelled. My escrow account is up to date and this premium is over {$5000.00}. The mortgage company should be taking responsibility for paying this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found incorrect info on my credit reports and been trying to get it corrected for along time, but its still there. Please help
Product: Vehicle loan or lease

I have a car loan with XXXX XXXX that is serviced by Westlake Financial. I have made my car payment for XX/XX/2022, XX/XX/2022, and I tendered my payment for XX/XX/2022 on XX/XX/XXXX and received a payment confirmation number ( XXXX ) - which I have a picture of- which I just checked my bank account and I do not see this was actually taken from my checking - despite receiving confirmation from Westlake it was received. This morning, when I am current on all payments, or I thought I was, they came at XXXX am and repossessed my car. It is apparent now, despite tendering my XX/XX/2022 payment, they didnt take it - despite giving me a confirmation number they did ( again, I have a picture of this confirmation ). So they deliberately didnt take my XX/XX/2022 payment so that they could repossess my vehicle. I will be getting my car back today, but I want all extra fees, and costs of hassle reimbursed from Westlake financial for their fraudulent business practices and wrongful repossession of my vehicle.
Product: Credit card

American Express Customer Advocate Service Team has responded to my 1st CFPB Compliant # XXXX. The response provided by American Express Advocate Team did not address the issue nor provided any evidence to support their claim. I did provide Police Report, FTC Report and identification as requested ( multiple times ). 

Amex went on to claim as below - On XXXX XXXX we received the application for the American Express XXXX XXXX. On XX/XX/2022, we received the application for the XXXX XXXX XXXX American Express Card. These applications were approved and provided with your information on them. 

As requested American Express has failed to provide any evidence as of till date that I benefitted from the XXXX fraudulent accounts that Amex claims belonged to me. I AM STILL WAITING FOR EVIDENCE ON CARDS # XXXX AND XXXX. 

I have followed with Amex by over XXXX phone calls, unfortunate that Amex claims XXXX could not find the calls. I will wait the final outcome. Unfortunate that CFPB complaints are being closed without proper investigation nor responce as requested.