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

Experian has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Mortgage

I had a partial claim through XXXX  XXXX XXXX when I was sold to Servis One Inc dab BSI Financial which BSI said they didnt get the partial claim until XX/XX/XXXX they bought my mortgage on the XXXX of XX/XX/XXXX. They drug it out with new modification offer in XX/XX/XXXX. They offered to take XXXX off principal which would lower my payment as well as paying up my behind payments with a new partial claim never honored the partial claim I approved through XXXX  XXXX and the fha. It was verbal when I received the documents they took the XXXX off and added it to the partial claim so it would not be the XXXX it would then be XXXX it was deceptive. I declined the offer. They drug the loan modification out til XXXX had a signed promissory note through the fha and XXXX they didnt help me.i was in forbearance. They took me out of forbearance no letter telling me I was out of forbearance. The final partial claim we signed was for XXXX. Felt we had no chose. Then they received XXXX dollars allegedly from the fha . When in reality Servis One Inc. is the lender and services of the XXXX partialclaim. Also they sent a curtailed payment of the difference and said they paid it back to the government when it was them all along but they said me and my husband paid that payment. Said the government gave them too much but only after I called them on it. They are doing the same thing cfpb took them to court for in XXXX. Im in loan modification now I applied in XX/XX/XXXX. And here we are in XX/XX/XXXX still no answer Im under the impression that it was to be done in 30 days with some solution. It isnt happening and they sent me an intent to foreclose and the prior to intent to foreclose were done on the same day. I was also understanding that they cant foreclose while in loan modification. Its not fair they keep upping my mortgage payment and making it hard to make payments.charged me home inspections 1 a month and 3 times a month at times I first time I saw A home inspector was last week ever.
Product: Credit reporting or other personal consumer reports

TransUnion credit reporting comp is making me hard for me to establish any lines of credit due to my credit scores are decreasing like crazy every time I go up to a XXXX and above mark is dropped right back down to a XXXX or under which it makes it hard for me to establish any lies of credit or even seeking housing. I have hired Attorney company name is XXXX. XXXX and XXXX XXXX has been hired to remove these negative items that I've been advised and been informing them for years that does not be long to me has been proven. They are not they are not aby my account Shortly find out they've been reattached. All kinds of techniques has been used to decrease my credit scores not understanding my bank account is attached to the credit reporting system and they come up with a score. XXXX XXXX of XXXX My credit report is supposed to be up around XXXX and above with TransUnion but continue to drop. Is this a technique for the government because these account has been paid and it's showing I have paid rent and which is not being credited on my XXXX XXXX and all of these documentation is attached and I'm gon na attach them down all below recipt account paid off. I have noticed the same account company call milestone tomebile. Has ran my credit XXXX times within XXXX  months which also would affect my credit scores amongusly XXXX  XXXX firm instructed me they will place complaint with Washington DC.against Trains union these complaints has been going on too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a loan for school from my bank and was denied. I should not have been denied. I went a pulled my credit and there are some items on there that are not mine. Please remove XXXX XXXX XXXX, XXXX/XXXX. XXXX/XXXX  and XXXX XXXX. There are three bankruptcy showing on my Transunion. I have never filed banktruptcy. Please remove those bankruptcy as well. I have contacted the FTC and my local police. I'm doing this on my own.
Product: Credit card

On XXXX/XXXX/2016 I closed the Bank of America XXXX credit card account ending in XXXX. An annual fee of {$75.00} was assessed to that credit card account on XXXX/XXXX/16. Upon closing the account, I was informed that the annual fee could not be refunded. I then requested a partial refund since the fee covers usage of the card for the next 12 months and aforementioned credit card account had been closed. Bank of America refused to provide a pro-rated, or partial refund of the annual fee.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CDPB I was instructed by Transunion to send the Internal Revenue Service so that they may attach it to my file. They are in the process of investigating to help me clear my fraud activity from my credit file. I ask that you can send this to XXXX and XXXX as well to attach to my file with hopes that they remove the accounts that I have been disputing. 

This is an official document from the IRS and it gets no more official than this. I am still being plagued with ID Theft. 

Thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 
I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Number : XXXX Delete this account.
Product: Mortgage

I needed to change my last name and get my Deed of Trust updated. I have called this company many times and spent hours on the phone, as well as faxing and emailing supervisors from their website as well as from my email. I have sent in the same information many times. The people they have in their call centers have no idea what they are doing. Typically the wait is over XXXX minutes and you get transferred many times and hung up on. Today I received a letter stating that they received my death certificate and they send their condolences. I assure you I am not dead. I am very frustrated that I can not get this issue resolved and it has been many weeks of frustration. I need to have my deed of trust updated so that I may update my grant deed and titles for my property and property rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i started a Dispute for a transaction with XXXX XXXX XX/XX/XXXX my dispute was denied.The reason why I started this dispute was because I returned back the merchandise ( XXXX phones ) back to XXXX using the return label they provided me.After a week of sending back the items i was told by XXXX that the warehouse was not willing to accept my package and that the XXXX return warehouse would have to contact me to confirm that i was attempting to send back the XXXX.I contacted them via XXXX XXXX about this issue and its been over XXXX weeks from now since they have ever contacted me about this issue.Hence is why Im making this complaint to further explain why Im re attempting to start this dispute.I will provide pictures of the package showing up as pending and show a screenshot of the last time XXXX has attempted to contact me about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a home loan and my agent informed me of collection accounts which I was unaware of. After looking over my credit report I noticed these charges did not belong to me nor did I recognize any of them. Someone has used my information illegally to obtain credit such as a rental property from XXXX and credit cards from XXXX. I also see medical collections from XXXX and XXXX  when I have insurance and haven't needed any medical care in over 7 years. Please I need your assistance in getting these accounts removed to proceed with home buying process.
Product: Debt collection

Midland Credit Management did not properly notify me of the alleged debt. When I noticed the alleged debt was on my consumer reports, I requested Verification of alleged debt. What I was provided was a billing statement and a letter from XXXX XXXX that stated Midland Credit Management owns the debt. The letter was sent to a previous address which I no longer reside at. I was not giving the opportunity to challenge the letter within the allotted 30 days. I also requested to cease and desist in the affidavit. I sent this information to Midland Credit Management. 

This is in violation of the following : 15 U.S.C 1692g ( a ) ( 3 ) - Validation of debts a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C. 1692b and c- Communications Connected with Debt Collection Cease and desist was communicated to Midland Credit Management which means When a consumer refuses, in writing, to pay a debt or requests that the debt collector cease further communication, the collector must cease all further communication, except to advise the consumer that : The collection effort is being stopped.
Product: Debt collection

Credit Collection Services continues to send me notices and letters demanding payment of an alleged medical bill in the amount of {$60.00} with my daughter named as the patient. I have sent 2 certified letters, one certified letter was signed by Credit Collection Services on XX/XX/XXXX and the other letter was signed by Credit Collection Services on XX/XX/XXXX. In both letters I told them I was disputing the alleged debt and I also asked for validation of this alleged debt. I have not received any valid proof that this is even my debt. On XX/XX/XXXX I received another collection notice by U.S. mail from Credit Collection Service still trying to collect on this alleged debt. The fact that they just received my certified validation letter on XX/XX/XXXX ( I have the signature card to prove it ), and they sent me another collection notice dated 7 days afterwards makes me believe that they are intentionally sending me harassing letters and refuse to send me valid proof. They are violating my rights as a consumer. They are also causing me XXXX and harm due to this situation. As I stated in my certified letter, I want all valid proof I requested of alleged debt addressed to me specifically and all communication in writing only and sent to my home address.
Product: Debt collection

The debt is supposedly a XXXX collection, but there is no overdue account at XXXX, nor was there. I interact directly with XXXX. My XXXX account has always been current.
Product: Debt collection

A representative name XXXX from a company name ADR Group called my mother in law and said I was being sued and going to jail and that I have a debt to pay. When she asked where from XXXX would n't tell her. All he said was take his name and number and have me call him. I called the company immediately and spoke to XXXX different representatives. The second rep name XXXX said I had to pay a credit card debt. I asked what was the name of the company and he said XXXX. I said I do n't have or had a credit card name XXXX. I said what is the phone number to the company, how much do I owe, and what is the account number. XXXX gave me account number that turns out to be bogus. He would n't give me the phone number or tell me the balance owed or when I alleged got this card. So I XXXX premier phone number. I gave them the alleged credit card number and my social. And the representative from premier said I do n't have a account with them and that the company was fraud scam and do n't pay them anything. I said I did n't and immediately called ftc.
Product: Checking or savings account

i have issues opening a bank account, and depositing a government check. i previously have had fifth third bank and my account was closed due to bounce checks thru my previous employer. i would really like for this problem to be fixed on my report because it makes things impossible to deposit a check. checks are on my name and have a valid ID. the bounced checks were completely by the employer so therefore this isnt my fault on how it affects my checking issues.
Product: Mortgage

Dear Sirs, My issue is with Freedom Mortgage. I have an escrow account with this mortgage servicer. This is the second year that I have had my mortgage with this company. My insurance carrier is XXXX. XXXX provides my hazard insurance policy and my earthquake insurance policy alike. 
In XXXX Freedom Mortgage paid both of these policies together. This year, XXXX Freedom Mortgage paid hazard insurance in a timely fashion. These funds were extracted from my escrow account. I later received the bill from XXXX inquiring payment for the earthquake insurance. 
Upon due diligence on my part I came to find out that Freedom Mortgage had not paid the earthquake insurance. Freedom mortgage stated that they will not be paying the earthquake insurance due to the fact that it is a not needed insurance to satisfy my loan requirements. My earthquake insurance policy is {$210.00} per year. Upon payment of my hazard insurance there was a balance of {$350.00} in my escrow account. All other funding has been satisfied for the fiscal year of XXXX. Through telephone calls I requested that Freedom Mortgage send me a check for the balance of the earthquake insurance, {$210.00}. This request was made on XX/XX/XXXX. On XX/XX/XXXX. I called Freedom Mortgage to inquire the status of my request. I was informed that a check for less than {$98.00} was mailed out to me on Friday, XX/XX/XXXX. 
Here is my complaint : Throughout the past year Freedom Mortgage collected funds from my monthly payments to supplement the two insurance policies. There was enough money in my escrow account for a total refund to cover my earthquake insurance policy. Total amount per year that my escrow account needs to cover his less than {$1.00}, XXXX. With a refund of less than {$98.00}. The buffer in my escrow account is a little over {$200.00}. For a escrow account to pay out {$1100.00} per year I do not believe a 20 % buffer is necessary. A 10 % buffer would be adequate. If they had refunded me to {$210.00} freedom mortgage would have a 10 % buffer in my account. I do want to reiterate that this was money collected throughout the year to fund these policies. And there was two adjustments done to my escrow account to satisfy the policies throughout the XXXX fiscal year. In today 's time finding {$110.00} extra dollars ( {$210.00} - {$98.00} = {$110.00} ) is not the easiest task to overcome. 
In speaking with Freedom Mortgage I never had a chance to speak with anyone from the escrow department. All I could speak to was PSR 's who was able to read a computer screen detailing my account history. 
Can the CFPB retrieve the balance of my funds? My Freedom Mortgage account number is XXXX. 
Thank you in advance for your time in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I received numerous calls on XX/XX/XXXX asking me to verify my personal information and they claimed I owed a debt. They called my mother the same day. They have also called my nephew looking for me. The debt was supposedly a payday loan that occurred in XX/XX/XXXX and was deposited to a XXXX XXXX XXXX XXXX. I don't live in XXXX  and never have. I didn't take out a payday loan. The loan was in the amount of XXXX. They threatened me with legal action. I told the woman to go do what she wants to do. I didn't make the loan IF it even exists. Also it would be small claims here in XXXX  if they try to file something. Whatever, I will go to court. I didn't make the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ; m writing to formally address a matter of utmost importance concerning a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ). 
My consumer report, under your guardianship, has unauthorized entries related to consumer credit transactions that are IDENTITY THEFT. NO PROPER DOCUMENTATION SUPPORTING SUCH CLAIMS AND ALLEGATIONS HAVE BEEN SUPPLIED AND MY WRITTEN AUTHORIZATION WAS NEVER GIVEN : I HAVE ASKED FOR THIS PREVIOUSLY BUT BECAUSE THE CORRECT INFORMATION WAS NOT SUPPLIED, IT BRINGS US HERE. Please be explicitly clear on this matter : at no point did I grant or was approached for any authorization pertaining to these transactions. XXXX XXXX XXXX XXXX XXXX XXXX alarming to have to go through these things, and the implications for me are profound. 
As outlined in 15 U.S. Code 1681c-2 ( a ) ( b ), your agency has a really important duty UNDER FEDERAL LAW to block information stemming from a identity theft scenario. The requirements are unambiguous : 1. The provision of a valid identity proof of the consumer.

2. A duly filled identity theft report.

3. The identification of questionable entries by the consumer.

4. A declaration from the consumer dissociating them from any transactions related to the said entries. 
Further, subsection ( b ) details your responsibilities in terms of swift communication to the entities who furnished the questionable information. 

To reiterate, in accordance with FCRA 605B, XXXX XXXX XXXX XXXX ; ve furnished all necessary documents, reports, and statements to your financial institution. Now, XXXX XXXX XXXX XXXX XXXX  XXXX your turn to act, and it is long over due. I expect, and the law mandates, that you provide me with evidence of your proactive steps in this matter, including informing relevant parties and placing a block on the questioned information. 
Your inadvertent oversight has already dealt a heavy blow to my financial reputation, causing personal distress and consequential roadblocks in my endeavors. Such transgressions can not be taken lightly, and I urge you to redress this situation without further ado. Failing to act judiciously may leave me with no choice but to seek legal recourse. 
XXXX XXXX XXXX XXXX XXXX XXXX paramount to recognize that while your organization wields profound influence over consumers & # XXXX ; lives, this power comes with great responsibility. Our birth certificates and the information they contain, our very identities, should be sacrosanct. 
I await your prompt attention to this pressing matter, but I am not finished.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX XXXXXXXXi, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C XXXX {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I have returned my item from XXXX XXXX and was still charged. I have struggled to pay an item that was returned. Ive reached out and they did not assist me properly XXXX XXXX XXXX order XXXX I was told I need to dispute with actual merchant