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

Experian failed to update the balance owed on a credit card, and continued to report an incorrect balance even after being notified several times by customer. Customer applied for an XXXX  loan from XXXX XXXX  XXXX at a favorable interest rate but was declined due to Experian 's failure to update the credit card balance. 

Experian last updated the balance the subject credit card from XXXX XXXX XXXX on XX/XX/2023 and reported a balance of {$7400.00}. In XXXX Customer paid the balance to below {$500.00}. However Experian unreasonably failed to update its records for this card from the period of XX/XX/XXXXXXXX XXXX XXXXXX/XX/2023. 

Customer attempted to file a dispute with Experian regarding this matter on or about XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/2023. However Experian 's online dispute system unreasonably rejected any dispute being filed regarding incorrect balances, stating that the account would only be updated when new information was received from XXXX. 

Customer contacted XXXX on or around XX/XX/2023, and XXXX stated it had submitted updated balance information to Experian on XX/XX/XXXX.
Product: Debt collection

requested validation, not just an itemized bill they provided with wrong hospital name and wrong address, exposing all my personal information a direct violation of HIPPA regulations i never sign a HIPPA form, giving them access to my personal information.an authorization access to any such medical records. the collection company sends a form with a form with consent to be admitted to the hospital with a print not he signature part say9ing verbal consent. any other violation litigation will follow .thsi account is complete violation of the no surprise act delete immediately my privacy has protected under HIPPA laws.
Product: Money transfer, virtual currency, or money service

According to letters that I received from U.S Bank, I was supposed to receive {$13000.00} worth of provisional credit from fraudulent charges on my account. In the letter dated XX/XX/XXXX, it says, " Please note, provisional credit totaling {$13000.00} will be provided 10 business days after receipt of your OCC concerns, which was XX/XX/XXXX, if the claims are not complete by that day. '' I did not receive the credit that they themselves said I would and it has been more than 10 days. In a previous letter from XX/XX/XXXX that I received in the mail, it said that they would need the claims in writing which I provided, but they did not give me proper time to submit them in writing seeing as they said they must receive them in writing 10 days after initiating a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are not complying with their own policies in a timely manner.
Product: Debt collection

Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern, I am writing in response to a notice I received concerning an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. Please provide the following information : A copy of the agreement or contract assigning the debt from the original creditor to your agency. 
The name and address of the original creditor. 
A detailed accounting of how the debt was calculated, including any fees or interest. 
Proof that you are legally authorized to collect on this debt in my state. 
Additionally, until this debt is validated and the requested documentation provided, I request that you cease all collection efforts and reporting of this debt to any credit reporting agencies. 

Please consider this letter a formal dispute of the debt and a request for validation. I expect a response within 30 days, as required by law. If you fail to provide the requested documentation within this timeframe, I will consider this matter closed, and you must notify any credit reporting agencies to remove any references to this debt from my credit profile. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX opened a FHA mortgage loan using my identity information on XX/XX/XXXX for an amount of {$180000.00} without my authorization. It then concealed the loan information for six years and started using the loan account when it took over the mortgage servicing right from our last mortgage lender and servicer XXXX  XXXX XXXX, XXXX in XXXX. XXXX lowered the loan balance of it's fraudulent loan account to {$160000.00} to match the balance of it's assigned Deed of Trust. 
In XXXX XXXX maintained one Deed of Trust and in XXXX XXXX created two Deeds of Trust in response to FHA Hamp loan modification program. However, all three Deeds of Trust were created to secure the loan balance of the fraudulent mortgage loan account that XXXX opened on XX/XX/XXXX. 
I found the mortgage loan open date for the first time on XXXX of XXXX. I filed an affidavit of identity theft with FTC on XXXX. I also reported the matter of identity theft to XXXX and mailed it the paperwork it asked me on XX/XX/XXXX. I sought debt validation pursuant to FCRA identity theft regulation. However, XXXX did not do any investigation or provide me any response to my debt validation mail. XXXX on XX/XX/XXXX closed the disputed mortgage loan account but continued all kind of collection activities since then.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I received an email from Chime, the financial institution where I am a current client and with whom I have a spending ( checking ) and savings account ( they are affiliated with XXXX and XXXX Bank ). They informed me that my account had been temporarily suspended due to suspicious activity. 

Since then, theyve proceeded to ask me for various documents in order to verify my identity and the source of my funds ( XXXX loan & unemployment ) ; yet every time I send in what theyve requested, I receive another email requiring an entirely new set of documentation. I understand that they need to protect themselves and their clients, so Ive continued to provide said documents despite their unnecessarily drawn out process of requesting more and more details with every response I send them instead of just letting me know of everything that they need from me in one go, in a single email. 

Well, it has been 6 days ( 4 business days ) and 2 days since I sent my last email providing the set of documents fulfilling their most recent request yet I havent heard a word from them since they last came up with something new to ask for and I can not afford to wait because this is my livelihood we are talking about ; my entire lifes savings is tied up with this bank account and I am a XXXX XXXX XXXX who is also a single father with two children and my job is thankfully picking up again but it requires me to purchase work supplies regularly and I dont have the funds available to do so because of Chimes carelessness ; not to mention all of the necessities that come with parenting and just being able to survive during these difficult times, as I get no help from anyone. 

Im willing to transfer my balance to a bank that actually cares about their clients, as Ive been reading tons of horror stories regarding Chime, where hard-working folk have had to deal with getting completely cut off from their entire account for weeks, even months on end, with no access to their completely legitimate funds, indefinitelyand this is despite them proving the legitimacy of every single transaction that Chime had presumed to be suspicious activity. 

I dont know what else to do. I have no money to buy food or toiletries, I cant do my job without supplies, and my partial unemployment benefits were just deposited into my account yet I can not even log inIm also expecting a tax refund but I guess theyll be holding onto that to too until theyre done dragging their feet on responding to my submissions. 

This is discriminatory at best and I dont think I can survive much longer without access to my hard-earned savings. The department that handles suspensions has no customer service phone number so I am left with no choice but to continue emailing them until something gives. I need help, please advise on what I can do in order to expedite this so-called review process. 

Thank you for your time, XXXX XXXX
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 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/block any items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 feel like I'm being targeted last year I paid off credit one credit card credit limit of XXXX but my debt was like XXXX account was closed a year before year shutdown after anyways I paid the bill off last year account was close an on XXXX XXXX  finally showed it paid an close now this month same bill pops up I've been getting calls from midland credit management XXXX XXXX is reporting unpaid bill what's disturbing is that the address they had for me is over 10 years old i dint even have a bank account back then now I don't know what to do all I know is I feel like I'm being scammed because the address I live at now is when I got my credit card the address they have under the bill supposedly I owe is over 10 o 11 year old????
Product: Checking or savings account

XXXX would always charge me overdraft fee when my balance on the account had enough money. They would charge me nsf before transaction is posted on the account.
Product: Credit card or prepaid card

Discover credit card services is a scam organization. I submitted an application fee of XXXX $ for a graduate school application. The university demanded XXXX $ more after they got the initial XXXX $ payment for processing the application further. This is like a honeybait scam the university is trying to do. I emailed the university and asked them that I don't need to study at such a university if they have no ethics, and politely redacted my application. There was XXXX service availed by me at this university. I paid the university fee using my Discover credit card. This scammy credit card company first resolved the dispute in my favor. But the sheer audacity of this company is that it tried to sneak in the fee 1 month later under " chargeback repost. '' If I searched the university name in my transactions, it appears that the credit card was not charged, since there is a refund. But, there is an additional XXXX $ titled chargeback repost that does not show up when I search using university name. This is how Discover operates.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXXXXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX XXXX XXXX XXXX despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXX XXXX XXXX XXXX account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and [ XXXX XXXX XXXX XXXX. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

Noticed accounts that I dont recognize on my report after recently checking my report. Under the FCRA, ChexSystems is required to investigate disputes within 30 days ( or 45 days if I provided additional documentation after initiating this dispute ) and notify me of the results. If the disputed information can not be verified, it must be corrected or removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 
[ Dept of EDXXXX XXXX ( account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXXXXXX XXXX XXXX ( account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXX XXXX ( account # XXXX Balance XXXX ] Fraud Account ] [ XXXX XXXX ( account # XXXX Balance XXXX ) Account never late please remove negative information. ] [ XXXX XXXX  ( account # XXXX Balance XXXX ) Account never late please remove negative information. ]
Product: Mortgage

I received a billing statement for a debt which was under Bankruptcy in XX/XX/XXXX. I had previously attempted to negotiate with USAA with no results. The billing statement I received stated " Total Past Payment Due '' and " Total Payment Due '' of $ XXXX XX/XX/XXXX. I went ahead and submitted the payment on XX/XX/XXXX. On XXXX I received a cell phone message from XXXX, who was handling the Settlement Agreement, asking to contact her. When I contacted XXXX, she was unavailable, but I spoke with a representative from the Settlement Agreement Department who stated that this was not the total payment due. I told her that I could not afford what they were asking for and to return the checks. She stated that they would return the checks. On XX/XX/XXXX, I noticed that USAA unethically cashed the XXXX checks. I immediately contacted USAA multiple times and was transferred from department to department, placed on hold ( at one point up to XXXX ). Eventually, a representative stated that the statement had been sent out in error. Yet they cashed the checks. I have been trying to contact USAA for answers with no results. USAA is committing unethical practice and would like an explanation?
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Mortgage

I have a second mortgage with Bank of America and was placed in the Making Homes Affordable program. Once that ended, I set my payment to automatic payments for years without a problem. I was told that the loan had matured, and they could do a loan modification. The problem was that my automatic payments were still coming out of my Bank of America account, and the loan modification department was applying the loan modification amount along with the debited amount to satisfy the requirement for the modification. Which was approved, but there was an overture in my account with the mortgage applied to the loan principal, without my permission and reporting me late. 

The status for two ( 2 ) payments shows funds received unapplied, this is electronic fraud. I'm a XXXX XXXX XXXXXXXX veteran, and this is wrong.
Product: Credit reporting or other personal consumer reports

My credit report indicates XXXX XXXX accepted a credit application on XX/XX/year> and extended credit on my behalf, but I do not have documentation of the application. I called to get record of the credit application, but was told by XXXX in card member services that they could not provide this document. XXXX offered to transfer me to underwriting and I accepted. After waiting for XXXX minutes, I hung up and called back two or three more times. Each time, the line disconnected.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate these violations. XXXX  of last year {$3500.00} was falsely claimed from an identical match of a cash app user I was intentionally trying to send it to. I followed the proper steps within XXXX minutes of noticing the mistake. Cash App representatives hung up my calls, even tried to charge me {$200.00} to return my funds. I never received my money back. I believe that because the money was so large they decided to take advantage of the issue, when before Ive had {$20.00} returned. My {$3500.00} sat there for weeks without being accepted to the user, I was told that the account would automatically send back after a few days of no acceptance. The account ended up blocking my account and I believe it may have been a fraud success. I was purchasing a car from a salesman and have all receipts of this occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts LAW OFFICES XXXX, " XXXX XXXX ''XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', " have 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
Product: Student loan

XXXX offered me a plan which I agreed to and then all of the sudden changed back to way it originally was. I agreed to {$250.00} a month for XXXX in until pd off and the interest rate was to reduce to .001 after 3rd on time payment which I have made nearly 8 payments. I was paying just as they offered and I agreed to all the sudden they changed back to old interest rate and payment. I want it back the way I agreed to when they made an offer of {$250.00} locked in with my interest rate of .0001 until paid off and I want them to back date from when they pulled it out from under me. I help up my end of the deal and was paying as agreed. This in not fair they thing they can do what ever they want whenever they want when they made an agreement with me. The attorneys office that they placed the account back to will not return my calls or voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

here is the problem with you not doing my dispute sence XX/XX/2018  when I dispute you dont notify me with in the 30 days and never have a way to attach the proof and I was subject to your data breach and you said you dont care so I reported you as a terrorest attck on my credit report and I am disputing again though this email with an account you refused to fix 3 times with proof attached to FTC complaints well once again her you go. 
XXXX XXXX XXXX XXXX Hide Details XXXX XX/XX/2018 {$72000.00} XX/XX/2018 {$620.00} PAYS 31-60 DAYS N/A XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, KY-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS 31-60 DAYS Account Owner : Individual Account. High Credit : {$71000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/2018 Balance : {$72000.00} Date Reported : XX/XX/2018 Amount Past Due : {$620.00} Date of Last Payment : XX/XX/2018 Actual Payment Amount : Scheduled Payment Amount : {$600.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 4 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : USDA Real Estate Mortgage Loan ( US Department of Agriculture ) Date of First Delinquency : XX/XX/2018 Comments : Consumer disputes - reinvestigation in progress Attached receipts show XX/XX/XXXX and XX/XX/2018 payments to XXXX XXXX  XXXX XXXX paid so this is false reporting by XXXX XXXX  so this needs to be removed and you keep telling me to go to XXXX twice with those exact words. well attachments is the proof I need when I take you to court so fix the problems and want all removed permanently per your terms and conditions in your credit reporting information you mailed me about credit reporting Equifax procedures.