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

Experian Report # XXXX For XX/XX/XXXX XXXX XXXX XXXX   does not report credit card account number : XXXX XXXX XXXX XXXX does not show on my Experian report My other Account number XXXX XXXX XXXX XXXX shows same name same information. Experian does not show account # XXXX and has not explain to why this account does not show. Experian has not legally justified to how an account I have had for several years does not show but the account shows on the other 2 credit bureaus. Both statements are new for the month of XXXX. I have also talk to an attorney that deals with suing credit bureaus for errors. This error has been going on for past 7 months by Experian. XX/XX/2019 Experian replied back to XXXX XXXX XXXX Card to a dispute I did not have nothing to do with the account. The dispute was on Experian to why my account had not been updated as stated in my complaint to the consumer financial protection bureau. Experian deleted the account I did not request the account be deleted. Experian needs to provide documentation on me requesting and a signature of my request to deleted. On XX/XX/2019 My other account shows the same information on it as XXXX XXXX XXXX XXXX account ending in XXXX so why it shows and XXXX does not show. XXXX XXXX XXXX Card has sent the information to Experian I have also talk to an attorney regarding the situation. If the matter is not cleared up I'm turning it over to him for legal issues and any other damages as told to me by my attorney if the issue cant be resolved. One account shows with same name same address but Experian acts it the account was requested to be deleted by me. Please stop with the words and lies of something I did not say or sign. Experian has yet to provide any legal documents to the issue on hand with account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Product: Credit card

I returned the product ( cell phone ) on XX/XX/2016, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XX/XX/XXXX to XXXX XXXX XXXX to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from XXXX XXXX XXXX ( XXXX ). After I returned the product back and contacted with XXXX, XXXX said that they already sent the money to them and closed the case. Further, because my case is expired, XXXX ca n't reopen my case again ; thus, I did n't get the money back until now. 
I also contacted with the seller 's bank " Paypal, '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. The merchant 's company did n't register and fraud. I am thankful Paypal is holding this transition, but XXXX reply I lost the case and they ca n't do anything for this case. I indeed returned the item and I hope it is not too late to get my money back before Paypal transfer my fund to the seller. Could you help me to solve the problem? 
Thank you so much.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX 1 PD WAS XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX PAID CHGOFF XP/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Checking or savings account

Subject : Regulatory Complaint : Inaccurate Account Status Following Bankruptcy Discharge I am submitting this formal complaint to address an issue with my account and customer profile that appears to reflect non-compliance with required processes following my bankruptcy discharge. 

In XXXX, I filed for bankruptcy protection and included all relevant debts to ensure a complete discharge. Since the discharge was finalized, I have taken steps to reestablish my financial standing, including opening new checking and savings accounts at a branch after my bankruptcy case was closed. 

However, my account and customer profile remain flagged with a generic statement indicating that any account activity or information is not a form of debt collection but for informational purposes only. This flag implies an active bankruptcy status, which is no longer accurate as my case has been fully discharged. 

This error demonstrates a failure to update customer records accurately and in a timely manner, as required under applicable regulations. It is my understanding that your organization has an obligation to ensure customer information is current and reflects the proper status following significant events such as bankruptcy discharges. 

I respectfully request an immediate review of my accounts and customer profile to : 1. Remove any indication of an active bankruptcy.

2. Confirm that all records reflect the correct status post-discharge.

3. Provide written confirmation that this matter has been resolved. 

Unfortunately, I have found that such issues are often only addressed after a formal complaint is filed, which I feel should not be necessary for routine compliance. Nonetheless, I am documenting this matter to ensure it is appropriately escalated and resolved. If corrective action is not taken, I will have no choice but to pursue further steps with additional regulatory bodies to ensure compliance and accountability. 

Please confirm receipt of this complaint and provide a timeline for resolution. Should additional information be required, I am happy to provide it. 

Thank you for your attention to this matter.
Product: Consumer Loan

I got a loan with Drive Time in XX/XX/XXXX till XX/XX/XXXX, was charges 25 % rate, I was never late or missed a payment. XX/XX/XXXX I discovered my payments history was not reported to any of the credit agencies. Drive Time claimed it was a mistake and they would fix it. Mean time they gave me a letter showing my perfect payment history. XX/XX/XXXX I found out Drive time still did not report my history , Drive time tells they are not going to report it because I had filed Ch XXXX prior to getting the loan. This makes no sense, since the only reason I got the loan and paid 25 % is to build my credit. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; DISCOVER BANK
Product: Mortgage

My mortgage company, US Bank Home Mortgage, is giving me the run-around and will not send out my flood insurance funds to me to pay for damages to my flood-damaged home. My house was flooded in XX/XX/XXXX in XXXX Louisiana. On XXXX/XXXX/2016, I submitted documents requesting reimbursement from MY OWN FLOOD INSURANCE FUNDS to reimburse me for my expenses. Previously, I spoke to XXXX different customer care specialists, and was told I only needed to send my receipts and a letter requesting reimbursement. I faxed all of this documentation on XX/XX/XXXX to US Bank 's Loss Draft Dept. On XX/XX/XXXX, I spoke to customer care specialist XXXX XXXX and was told the 'automated system ' did not recognize my request and was told it would be another 3-5 days. On XX/XX/XXXX, I called and customer care specialist XXXX XXXX told me that a reply from their Exceptions process was issued on XX/XX/XXXX that a new inspection would be needed. On XX/XX/XXXX, US Bank Loss Draft Dept XXXX XXXX left a VAGUE voice mail msg for me to call the Loss Draft Dept. When I called on XX/XX/XXXX, that 's when I was told about this new delay and that an inspection was needed. I have left msgs for XXXX XXXX, Supervisor, who has not returned my calls. My receipts, documentation, and previous inspection in XX/XX/XXXX should be enough evidence that I am repairing my flood-damaged home. I am requesting reimbursement of my expenses paid, and the remaining funds from my flood insurance check that US Bank is unlawfully holding and making interest off of my flood damage claim. Remaining funds left is approximately {$20000.00}. I am requesting a check made payable to me alone for this amount and to be expedited via XXXX.
Product: Checking or savings account

I had detected fraud charge on my 360 capital one debit card. As Im not XXXX speaker, first I replace my debit card, then file dispute via mail service. After couple weeks I got a credit for dispute transaction, then after less than a week, I got email - no error was found. I was in shock because I dont have previous debit card on my hand. Terrible bank with worse service and worse protection!
Product: Consumer Loan

My son-in-law missed his truck payment om XXXX XXXX, due to cutbacks in the XXXX, it is a leased vechile, i signed for him, now they continue to call me every day, XXXX a day now XXXX XXXX is calling me the other is ally financial the main company ... .He sent them a payment, but they continue call my number..
Product: Bank account or service

On XXXX/XXXX/16 ( because it was a little after XXXX ) I checked my bank account to see if my direct deposit had posted and it had. I was checking throughout the evening because I had recently changed my direct deposit info with my job & the first pay cycle I received a check so I was looking to see if I was going to have to wait on another check the second pay cycle but luckily I did not. So throughout the entire day & evening of XXXX/XXXX/16 I was checking my account & saw no checking service fee or my check but around XXXX something in the morning XXXX/XXXX/16 my check had posted and the balance was {$870.00} & some cents but this morning XXXX/XXXX/16 around XXXX I check my balance ( I 'm a victim of skimming with Chase so I check my accounts often ) and it 's {$860.00} & some cents! Now I have n't bought anything or paid anything so I was wondering why my balance went down, I login to my account & low & behold Chase has put a service charge of {$12.00} posted for XXXX/XXXX/16 but it was n't there at all throughout the entire day of XXXX/XXXX/16 or the early morning of XXXX/XXXX/16 ( between XXXX or XXXX XXXX ) when my check posted to my account. XXXX of Chase policies for avoiding the {$12.00} service fee is if there is a {$500.00} or more direct deposit to your account, that 's the only reason why I changed my direct deposit to Chase, to avoid paying {$12.00} every month in service fees, that 's just a ridiculous amount to me! So Chase posted a back date for XXXX/XXXX/16 so they could charged my account the {$12.00} service fee! I called Chase to speak with a representative but he was no help at all, stating that the fee posted before my check although I 'm telling him that the fee was NOT there yesterday ( XXXX/XXXX/16 ) or before my check posted in the early morning of XXXX/XXXX/16 but again, he was no help!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$770.00} XXXX XXXX  XXXX XXXX {$2700.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX  XXXX {$970.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX {$270.00}
Product: Debt collection

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ) 15 U>S>C> 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau CFPB have brough to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request XXXX : 1. Conduct a thorough investigation of the following disputed accounts or items : 2. Provide me with all documentation used to verify the accuracy of the disputed information 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing withing the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Money transfer, virtual currency, or money service

XX/XX/21 I was notified by my bank the WorldRemit located in XXXX CO. debited my credit card for {$300.00} and attempted another charge for {$100.00}. The second transaction was flagged as fraudulent by my financial institution after the first one went through. A search of the business revealed multiple complaints from numerous people complaining of the same attempts on their cards. I believe this is wire fraud, correct??
Product: Mortgage

I have been trying to work with my mortgage company PHH MORTGAGE ( formerly OCWEN ). I am currently working hard to pay my mortgage on time monthly, however I have been 60 days behind for the last year. 
I have been working with them on a mortgage aid program for the last year and have sent them numerous applications and everything they asked for as far as documentation.. Ive sent this multiple times by mail and email. 
I received a call from them last week saying they had closed the application bc Ive never sent them anything back and I have emails to prove that I have sent everything several times. 
Please help. 
I am working with several different agencies in regards to this matter but I cant seem to get any help! 
XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX-23 XXXXXXXX XXXX XXXX XXXXXXXX-23 XXXX XXXX XXXX XXXX23 XXXX XXXX XXXXXXXX23 XXXX XXXX XXXX XXXX XXXX-23 XXXX XXXX XXXX XXXXXXXX23 XXXX XXXX XXXX XXXX XXXXXXXX23 XXXX XXXX XXXX XXXX23
Product: Credit card

TD Bank XXXX XXXX XXXX has called me XXXX XXXX XXXXXXXX. I have the screenshot to prove it. Several XXXX ago I set up a lower payment plan with them and it was noted that I was approved. Out of the blue they said I was no longer approved. I called and asked what was going on with my account and every single person I ha e spoken with said yes it shows you are approved but your account is confusing. 'I 'm going to send this to a supervisor in that dept to take a look at. ' Hadn't heard back once regarding this yet everytime I called the representative took my {$120.00} payment as the payment plan noted. I also told them I declined to be on an auto dial list. I need my $ XXXX payment to be straightened out and to stop being harassed. I am currently XXXX XXXX XXXX XXXX XXXXXXXX XXXX and they called XXXX bloody times XXXX  to harass me about a bill I paid last XXXX on my due date as we agreed on. This company has been an absolute nightmare to work with.
Product: Debt collection

Attached hereto are exhibits irrefutable evidence of facts showing forth both agencies acts of civil conspiracy, consumer law violations, abusive and fraudulent debt collection practices, failure to rebut consumer XXXX XXXX affidavit of truth within applicable reasonable timeframe, and said consumers attempts to exhaust all legal remedies prior to litigation. 


Consumer XXXX XXXX is aware that NCSI has recently already been penalized by CFPB for participating in such abusive debt collection activities.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) & FCRA 605 ( b ) I am writing to formally notify you that I have been a victim of a data breach and identity theft, resulting in several fraudulent accounts and inquiries appearing on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX - Balance : {$450.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$6100.00} XXXX. XXXX XXXX XXXX- Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$190.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$120.00} Fraudulent Inquiry : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit card

Someone is trying to open a credit card under my name. Twice in two weeks, Chase has done a credit report request to issue the card. After reporting it once and putting a freeze on my credit report- they allowed it to happen again. They are using my maiden name, which I haven't had for twelve years and my credit keeps going down because of the hard pulls.
Product: Credit card or prepaid card

I have auto-pay enabled on this account. This to ensure that if I have a balance, and do not make a payment by the due date I am sure I am following the terms of the contract, and will pay the contractually obligated interest for the period of time I carry a balance. However, if the balance is paid in full, Bank of America will still auto-deduct the amount of the minimum amount due, even if there is a XXXX balance. Thus, putting a credit balance on the account, which requires manual intervention to get the money returned. 

I feel that this is an easy problem to solve. If the account balance is XXXX, then no payment should be deducted. A very simple aspect of the transaction logic. 

Bank of America is then holding the minimum amount due, not paying any interest, and there is no contract with me to " loan '' Bank of America money during the period they leverage the credit balance. This likely occurs across a large swath of their customer base, and is unfair advantage to the consumer, but a benefit to the bank. This may even fall into the category of unjust enrichment in the situation, as the bank receives something and a benefit and I receive no benefit in return. I want Bank of America to stop deducting auto-pay minimum amounts if there is no balance due on the account at the time the statement closes and the auto-pay would be calculated. This is the fair way to address the situation.
Product: Bank account or service

My bank was served with a " notice of garnishment '' for my parents. My bank withdrew all of the money from my checking account instead. I live in a different state than my parents, and I had to work with that state department of revenue to reverse the garnishment order in a case of mistaken identity. My bank then charged me a " non refundable processing fee '' of {$120.00}. I brought this up with the bank, and painstakingly worked my way all the way up the the head manager of the main branch bank in my city. In my meeting with them, they said they would remove the fee if they could, but even as the main manager, they were not given the ability to remove the fee because the charge came from the banks " legal department ''. I would have to take it up with them. I asked them for the contact information for the legal department, and the manager said, 'There is no phone number for the legal department. ' So essentially I was charged {$120.00} for my bank wrongfully taking money from my checking account in a case of mistaken identity. : -/
Product: Student loan

Mohela placed me in administrative forbearance without a request from me. I am on autopay, so my interest rate is 8 %. However, when Mohela put me in forbearance they jacked the interest up to 8.25 %. I called and asked for the forbearance to be removed and was told it would be. It wasn't, and I made a manual payment for XXXX. Supposedly, the forbearance was to expire on XX/XX/29 ; however, as of today my account is still in forbearance and interest is still being calculated at 8.25 %. I have sent two emails to Mohela about this but I have yet to get a response.
Product: Checking or savings account

juno account frozen last year My transaction does not match XXXX transaction, attached XXXX they advertised their services as safe and XXXX, giving users reasonable confidence our funds were safe yet now I don't ' have my money similar situation to XXXX