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

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Resolution Team, I hope this letter finds you well. I am writing to formally dispute inaccurate information listed on my credit report and to notify you that these ongoing issues with erroneous data have not been resolved despite my previous efforts. Specifically incorrect account, a late payment notation that was never late, or an account that does not belong to me. 

I want to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX due to failures in accurately handling consumer disputes and ensuring the accuracy of credit report information. As stated in the CFPB 's lawsuit, XXXX has been found to not have properly investigated disputes and often failed to remove or correct errors in consumer credit files. Unfortunately, my experience reflects these ongoing issues, as my disputes have not resulted in the proper correction of the inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a full and accurate investigation of the disputed items. I also expect that you promptly update or remove any inaccuracies found and provide me with the results of your investigation in writing. I have included all supporting documentation that substantiates my claim for your reference. 

Please consider this matter urgent, as inaccurate information is negatively impacting my credit score and, consequently, my financial well-being. 

I look forward to receiving written confirmation of your investigation and the correction of my credit report. Please respond to me at the contact details listed above, and do not hesitate to reach out if you need additional information. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( ssn ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complain against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating that the account is inaccurate, without providing any evidence of a thorough investigation.

This action violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides customers with the necessary proof of investigation.
Product: Credit card or prepaid card

On XX/XX/2018 I processed a payment that closed my XXXX open payment. At that time, I owed for XXXX payment that was due as of XX/XX/XXXX. I recently tried to make a payment on XX/XX/XXXX but the charges were denied. I was told to contact customer services. I was told that the account was past due for 32 days. I asked the representative what payment date I owe for. I was told I owed the XX/XX/XXXX payment. I asked the representative to explain how I was 32 days past due, but only owed for the XX/XX/XXXX payment. I chose to end the call because it was getting very heated. I called back and spoke to a manager who noticed the issue. The manager put in a complaint on my behalf to fix the issues on the account. I still did not receive an explanation as to what issue occurred. While speaking to the manager, I was told that I would not be able to use my account until the XX/XX/XXXX was paid. I did not receive an explanation as to why I still could not use the account. I called back and asked another representative the days past due a customer had to be before they would lose their purchasing ability. I was given 30 days past due. I would like to find out why my purchasing ability has not been restored due to the fact that my account was past due by only 10 days while the company policy is the account has to be 30 days past due.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies. This bankruptcy is listed with all of the credit bureaus and here. How did the credit bureaus verify my bankruptcy as 100 % Accurate. Your company did not get this information from any clerk at the courthouse since they do not report. You have violated my rights. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting

Transuion has violated their policy by reinserting XXXX or XXXX twice in two week period.Am asking for this issue to be resolved by deletion of XXXX.
Product: Checking or savings account

On XX/XX/XXXX I opened a new checking account with Citibank and transferred XXXX to this account from my XXXXXXXX XXXX  checking account through electronic transfer. I opened this account, so I could receive {$200.00} sign in bonus. On XX/XX/XXXX I transferred XXXX USD additional funds to the same Citi bank account electronically from XXXX. After that I tried to access this newly open Citi bank account but was not able to. I went to Citibank local branch and they told me that my newly opened account was closed because I violated Citibank policy and now my account is being reviewed by Citibank fraud department. 
I contacted Citibank multiple times asking to return my XXXX dollars since I need that for living expenses. They kept telling me that the bank policy is to hold the money for 90 days. I called Citibank ( XXXX ) on XX/XX/XXXX and talked to XXXX. XXXX said that she needed to contact XXXX to confirm that the money did indeed come from XXXX. She did confirm that. Today, XX/XX/XXXX, I called Citibank ( XXXX ) again and talked to XXXX. XXXX told me that the check has not been issued yet. 
It has been almost 4 months since Citibank closed my account and I still holding my funds hostage.

Could you please help with this matter. 

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

XXXX XXXX,2018 XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through ALLY FINANCIAL XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.
Product: Student loan

Was sent a letter almost a year ago, stating if I did n't start paying my loans or pay in full, that my paychecks would be deducted {$170.00} each pay period until balance was paid. Then after setting up a payment plan for {$15.00} a month, I was hassled my advisor everyday calling and leaving voicemails daily. Then they would send me something in the mail saying that my payment did n't go through or call me saying it did n't process and I would pay it again. Then suddenly they stopped my automatic payment plan and transferred over to a new collector, then said I owed XXXX XXXX monthly ( which was n't the contract ) then saying I was n't paying my amount when I was sending them payments. And keeps sending me " pass due '' bill statements. I was told that I would n't collect any more interest since it had gone to collections, I have yet to see any changes to the balance. It has been the same.
Product: Checking or savings account

seems like the superman plot, but I have a checking account with wells fargo and a credit card with Wells Fargo. I used their system to transfer funds from my checking to pay off the credit card. The money is instantly removed from the checking account but the payment takes several days to be reflected on the credit card account. So they are avoiding paying interest for a day on the checking account and get 2-3 days of interest charge the credit card. 
Maybe that's just how it works but it seems if there is a transfer from one account to another it should be reflected that way. Maybe it only adds up to a penny or so but not sure what magnitude this is
Product: Mortgage

SNServing Loan received Payment from Insurers for home repairs for {$62000.00}. SNServing denied disbursement at closing for {$20000.00} and fails to cooperate with client, the homeowner after CFPB complaint filed prior to loss of the property. SNServing agrees to ONLY disburse owed funds by compliance to sign false statements to commit perjury to satisfy SNServicing Release and Receipt for funds. The Home Owner is owed by SNServing {$20000.00} and the bank XXXX XXXX XXXX has escrowed funds. 

Homeowner will not and should not be forced to commit perjury to have owed funds released. Homeowner modified SNSERVICING Corporation release and receipt to reflect accurate, truthful statement and SNServies refused to release funds owed by law. Furthermore, XXXX states they are illegally filing an interloper charge to prevent access to the funds legally owed to XXXX XXXX that SNServicing failed to issue owed at settlement closing for property.
Product: Debt collection

I saw a drop in my credit score on XX/XX/XXXX. I immediately pulled my credit report from XXXX. Under adverse information I had an account from Transworld System in collections, last updated on XX/XX/XXXX, with the date the account opened listed as XX/XX/XXXX. I had last checked my credit report on XX/XX/XXXX via XXXX and this account was not listed. 

I had no knowledge of this account or of Transworld. I had not been contacted via email, phone, or email about this debt. The original creditor was listed as XXXX XXXX, my former landlord. I had moved out from the apartment complex XXXX and had called the week after to verify that there were no issues. I had left my forwarding address with the office and they had my number and email on file, but I was never contacted by them about any past due amount. 

I attempted to contact Transworld via the mailing address listed on the credit report. I sent it via certified mail ( Tracking # : XXXX ) and it was delivered on XX/XX/XXXX. I have heard no reply from Transworld and have no information on the nature of this debt or why it wound up in collections.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXXXX/XX/XXXXccount Number : XXXX Reason : I don't recognize this account Account Name : XX/XX/XXXXAccount Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and noticed I fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY NAVY FEDERAL ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERLY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH NFCU AND THE CREDIT REPORTING AGENCIES REQUESTING VERFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSCATIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on [ FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX
Product: Mortgage

Shellpoint mortgage servicing has repeatedly attempted to charge me of unnecessary property insurance coverage. They are well aware that insurance is in place and this information has been provide to them repeatedly. Yesterday, XX/XX/2020, I was notified of the company 's intent to charge me {$1500.00} for hazard insurance retroactively, even though a policy is already in place which names them. 

Shellpoint mortgage servicing has failed to pay for property insurance or property taxes out of the impound accounts all though more than sufficient funds are available. 

A review of the XXXX XXXX XXXX reveals 210 complaints of a similar nature.
Product: Checking or savings account

I am writing to formally file a complaint regarding the restriction placed on my business checking account with American Express. My account has been frozen without prior notice, allegedly due to an identity verification request. This action has had a severe negative impact on my business, including : Customer payments not being processed, causing revenue loss.

Vendor payments being canceled, leading to business disruptions and strained relationships.

Significant delays in resolution despite multiple calls and escalations to customer service.

I have already contacted your support team several times and have been transferred multiple times without clear answers. After my most recent call on XX/XX/year>, I was informed that my documents were received and that the case was pending legal review. 

Furthermore, I was told that American Express attempted to contact me before restricting my account. This is completely false. As a business owner, I am always fully up to date with my emails, mail, and phone calls, and I have not received any prior communication regarding this issue. If an attempt was truly made, I request that you provide proof of such communication.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : 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.
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

The original debtor on this medical bill from XX/XX/2013 that has not been validated was originally being collected by XXXX however 6 years later was sold to PHOENIX FINANCIAL SERV that has been submitting the same account from XX/XX/2013 re-aging it on my credit at least 3 times in past month flagging the account as collection account without making correctly reporting the account as an old account but rather making it appear new. XXXX could not collect on this account because they failed to send any information that would validate the debt and has since been disputed and removed from my credit file now it is been sold to a new agency who is abusing my credit and affecting it negatively I have not received any correspondence from this company my first notification came from my credit monitoring application with XXXX  I have filed a dispute with XXXX  that is currently pending in the meantime the company continuously keeps hitting my report flagging the account negatively driving my score down significantly
Product: Payday loan, title loan, or personal loan

I am currently out on XXXX XXXX after having XXXXXXXX XXXX XXXX XXXX & I can not afford to pay the high interest payments while I 'm out of work. They have started calling my place of employment & several references even after I told them not to. The interest is way to high as well.
Product: Student loan

I was given misinformation by one representative on when my grace period would start based on when FedLoan Servicing receives the letter of separation about my graduation from my university. I had graduated in XXXX XXXX, 2016 and made a call XXXX XXXX, 2016 to confirm the status of my grace period. I told the representative that I had just graduated but that my FedLoan account still showed that I was enrolled so I was not sure when my grace period would start and that I would be accruing interest. The representative was sure that the grace period would start the day my school sends them the letter of separation, not the day I graduate. She gave an example in which FedLoan receives the letter in XXXX : the grace period would then start XXXX and I would have six months from XXXX before repayment. This information was wrong and it turns out that interest has been accruing since XXXX XXXX without my notice since I believed I would be charged interest from the day FedLoan receives the letter. I trusted that as my student loan servicer, FedLoan Servicing would provide me the correct information but that was wrong and I now bear the cost of their misinformation. I thought that as a student loan servicer, FedLoan 's information would be the most up-to-date, especially because I was still showing to be enrolled on FedLoan 's online portal. I wanted to make sure that my grace period has not started and was told that it did not. Customer service was not helpful about remedying the mistake, which was made with the wrong information. I can not believe they are still allowed to be a student loan servicer when they obviously do not care about the students they service and do not own up to their mistake. How is this allowed when you deal with so many students asking similar questions and you are giving out the wrong information? FedLoan Servicing should not be allowed to handle student loans.
Product: Student loan

My federal student loans were with XXXX XXXX which transferred my loans over to MOHELA around XX/XX/XXXX. During the pandemic I made {$100.00} a month since XX/XX/XXXX, about {$1900.00} total, in voluntary payments to XXXX and MOHELA from when I first requested it from Mohela on XXXX of XX/XX/XXXX. MOHELA has only refunded {$370.00} of that amount and stated because I made the remaining amount with XXXX that it would take XXXX days to process. I still have not received any information or ETA of when I would receive a refund check for the remaining amount.
Product: Student loan

I am currently a borrower with Heartland ECSI as the administer of a loan originating from XXXX College. 

Through the course of my relationship with this company, they have made it consistently difficult for a borrower ( me ) to make payments. These difficulties have resulted in the accrual of late fees, which I suspect is the main intention of this company. 

Their actions have included ( 1 ) not allowing users to make payments on their website ( multiple processing errors on multiple days on various web browsers ) ; ( 2 ) when payment has been able to be processed, making it impossible to schedule the payment ( and recurring automatic payments ) on the correct dates thereby incurring late fees. On top of this, their customer service is inaccessible or incapable of remedying problems. For instance, outside of live customer service hours, the company 's online option to leave a message ( because it is after customer service hours ) leads to a screen stating that customer service is closed so you can not contact them ( NOT LEAVE THE MESSAGE? ). 

This is a pattern of practice intentionally engaged to take advantage of borrowers and increase profits through the unjust accrual of late fees. This company should be penalized and shuttered.