23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Follow up to my complaint # XXXX XXXX. My complaint continues against my Mortgage Company Ditech Financial. Today XXXX I got two notices in the mail from Ditech. One says the flood insurance increase they requested has been met. The other says starting XX/XX/XXXX my house payment is going up from {$730.00} to {$810.00} to pay for the increase because they are mistakenly charging me {$210.00} for the flood insurance increase that I already purchased through my flood insurance company called XXXX XXXX XXXX. I paid XXXX at XXXX {$31.00} from my credit card on XXXX. The policy was due to expire on XXXX. I have no idea why she waited that long. My attempts to solve this issue started in XXXX and XXXX when Ditech informed me that a flood insurance increase was needed. I didnt ignore those letters as Ditech accused me of doing. I have sent at least 10 emails and made a half dozen phone calls trying to solve this issue to no avail. Thats why I need your help.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I made a ATM deposited of {$3100.00} ... a total of 31 {$100.00} bills I never seen the deposited reflect in my account I filed a claim with chase a total of 4 times and two of the times a tech had went to the ATM and audited it chase stated the had no proof showing that this deposited was made so thankfully I had the ATM receipt emailed to myself anytime I make a transaction at a ATM. I faxed in a copy then they said all they could recover was a total of {$1200.00} and which I did get returned to my account I unt but the remaining I won't get back so I filed another claim for the remaining and got denied.the first claim representative submitted a claim for {$3000.00} I was very clear in the amount being {$3100.00} then she did an second claim for {$100.00} that was when chase gave me a temporary credit for {$1700.00} which did not get approved so then they reversed the XXXX then I resubmitted XXXX a in the claim for {$3100.00} again. Ok in the month of XXXX on the XX/XX/XXXX and XX/XX/XXXX I made a total of 3 deposits 2 of the were in the amount of {$3100.00} and the other was {$1000.00} only 1 of the {$3100.00} and the {$1000.00} reflected the other deposited was never put in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to XXXX ID with Wells Fargo Auto Dealer , are showing and application form that is not complete and also showing inaccurate information. I never lived at the addresses on file, nor do I have any association with the phone number provided. There is no drivers license number, Wrong Employment, I never worked at any of the XXXX companies provided on file. I am not a home owner as well. I am not sure how this information can be verfied without documentations for the consumer to see. I want Wells Fargo To Stop reporting information of mine to any XXXX party. The information they are using inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Discover regarding a recent experience involving two failed Automated Clearing House ( ACH ) transactions and the subsequent challenges in retrieving the funds. I am seeking your assistance in facilitating a resolution and the return of my funds. The details of the events are as follows : On XX/XX/XXXX, I initiated two ACH transactions, each for {$20000.00} and {$30000.00}, from my Discover savings account to two joint XXXX CD accounts held by my wife and me. Regrettably, on XX/XX/XXXX, we received notifications from XXXX XXXX stating that both transactions had failed. Naturally, we anticipated that the funds would be promptly credited back to my Discover savings account. However, to our dismay, the funds did not reappear even after several days had passed. 

Upon contacting XXXX XXXX for clarification, I was informed that due to the joint CD accounts being associated with my wife 's profile, only she was authorized to make deposits into them. Consequently, my funds were rejected for deposit. XXXX XXXX attempted to return the funds ; however, their policy prohibited them from doing so, as I, being the sender, did not match the intended receivers ( my wife and me ). They advised me to contact Discover and request an ACH return accordingly. 

Taking their advice, I promptly reached out to Discover and initiated a dispute regarding the failed ACH transactions. To my disappointment, after conducting their investigation, Discover concluded that the ACH transactions were successful and asserted that they had no grounds to request an ACH return. I relayed this information to XXXX XXXX, but they remained firm in their stance that only Discover could initiate the ACH return. Despite numerous attempts to resolve the matter with both Discover and XXXX XXXX, neither party has been able to provide a satisfactory resolution. 

This ordeal has left me in an immensely frustrating situation where my funds remain trapped between the two institutions, with neither party accepting responsibility or offering a viable solution. To address this issue comprehensively, I have filed a separate complaint against XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ). Following their investigation, XXXX XXXX informed me that my funds are currently being held by XXXX, reinforcing the need for Discover to facilitate their return. Consequently, I am now seeking the CFPB 's assistance once again, this time to help facilitate a resolution from the Discover side and ensure the prompt return of my funds. 

For your reference, I have attached the following supporting documents : 1. XXXX XXXX XXXX response to the issue 2. The email notifications received regarding the failure of the ACH transactions 3. My Discover account statement illustrating the two transactions I kindly request your attention and intervention in this matter to help rectify the situation swiftly. I am hopeful that your involvement will bring clarity to the responsibility for the funds ' retrieval and lead to a satisfactory resolution.
Product: Student loan

There is currently a temporary restraining order due to an FTC lawsuit against XXXX. My loan is with Tuition Options for classes I purchased from XXXX ( XXXX XXXX XXXX. ) The temporary restraining order clearly states that XXXX is temporarily barred from collecting payments on the loans it made to customers to finance purchases from the company, and it is not allowed to sell the debt to others or report consumers to credit bureaus for non-payment of the loans. 

Tuition Options continues to contact me to collect the loan payments. I responded in writing and attached the case file but the tell me " Tuition Options is aware of the investigation and we were advised that XXXX XXXX XXXX is disputing the accusations. At this time, the loan serviced by Tuition Options is still due. ''
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Credit Reporting by Experian Dear CFPB, I am writing to formally dispute inaccuracies on my credit report provided by Experian, in accordance with XXXX USC XXXX regarding civil liability for negligence. I believe that the following accounts contain incorrect information that has adversely affected my creditworthiness and overall financial standing. 

The specific accounts in question are as follows : 1. XXXX XXXX XXXX : Balance reported as {$2600.00}. 
2. XXXX XXXX XXXX Reporting a past due balance of {$370.00} as of XX/XX/XXXX. 
3. **Inquiries** : Multiple inquiries that appear on my report, which include : - XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX - XXXX XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX XXXX- Inquired on XX/XX/XXXX - XXXX XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX XXXX- Inquired on XX/XX/XXXX - XXXX XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX XXXX XXXX - Reporting a balance of {$20000.00} updated on XX/XX/XXXX, with a past due amount of {$540.00}. 
- XXXX XXXX XXXX XXXX ( additional details needed ). 

These inaccuracies have not only misrepresented my financial situation but have also placed me at a disadvantage in securing future credit. I kindly request that the CFPB investigate these discrepancies and hold Experian accountable for any negligence in accurately reporting my credit information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me for any further information needed to facilitate your investigation. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I sent Bitcoin to someone whom I ws purchasing a vehicle from, I sent it from my XXXX account to her cash app account, cash app not only kept my money and didn't refund it but they will not answer or give any explanation as to where is my money and why have they not reversed the transaction! I want my money back as I never received the vehicle nor my money back! How is a place like tht allowed to operate, apparently, it's not their first time doing it either!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a item on my credit file with XXXX, XXXX, Equifax that I am trying to verify that I even owe the debt. The original creditor is : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The det collector assigned to collect this debt is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. 
I have sent letters of validation/verification to the original creditor. The first letter was sent non-certified on XX/XX/2018 it was returned. The second letter was sent certified on XX/XX/2018 it was returned and could not be forward. After each letter was returned I disputed this debt with the three main credit bureaus listed above. Each time the credit bureaus would refuse to remove an unverifiable debt. The three credit bureaus would send me paper work stating that the debt is verified as accurate. I have tried to contact the original creditor by US mail to verifie/validate this debt and I can not. By keeping non verifiable information on my credit file is a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the credit bureaus addressing the billing errors that is appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX XXXX : {$21000.00}
Product: Debt collection

XXXX XXXX tire center is trying to collect on an account that was opened with my fathers social security number due to the fact that i did not qualify for credit because I had filed for XXXX Bankruptcy XX/XX/XXXX. Due to financial struggles and health issues my father was forced to file for bankruptcy in XX/XX/XXXX or XX/XX/XXXX to my knowledge. Ive received a book-load of receipts and invoices where my name is shown. Their collection agency has called and threatened the guy was very rude, telling me the collection was going to stay in my credit and he would make sure it did, after I asked for a copy of the application with my social, which they cant seem to provide. Also asked for a credit report where they had ran my credit, they cant seem to find that either. They do n't even have my social security.
Product: Credit reporting or other personal consumer reports

Looking at my consumer report on XX/XX/XXXX I saw some instances of late payments on that account. For which am certain to maintain on time payment every month. The consumer reporting agency have a crucial and vital role according to the law to report consumers information with maximum accuracy and it is imperative that consumers information be reported accurately. I have never Been late that account and I have included screenshots inside this complaint on date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. I am asking for a proper investigation and provides proof with statements showing that these payments were late. If they are not able to show and provide such proof i demand that this account be promptly updated to reflect the true status of on time or paid as agree do to the fact that I was never late. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company is reporting bogus information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, I am writing to report a distressing incident of identity theft that has caused significant harm to my financial standing. It has come to my attention that someone has fraudulently used my social security number to open multiple credit card accounts without my consent or knowledge. 

The unauthorized activities conducted under my name have resulted in a series of negative items on my credit report, which are entirely inaccurate and detrimental to my financial reputation. I am deeply concerned about the potential long-term consequences if these fraudulent accounts are not promptly addressed and removed from my credit profile. 

I kindly request your immediate attention and assistance in investigating this matter. I have taken the necessary steps to file a police report and have notified the affected credit card issuers. I have also placed fraud alerts on my accounts with the major credit reporting agencies.

Considering the severity of this situation, I implore you to take immediate action to remove all negative items associated with these fraudulent accounts from my credit report. This will help restore my creditworthiness and prevent further damage to my financial stability.

I have enclosed copies of the relevant documents, including the police report and any other supporting evidence, to aid your investigation. Please treat this matter with utmost urgency and provide me with regular updates regarding the progress made in resolving this issue.

I greatly appreciate your understanding and cooperation during this distressing time. I trust that your expertise in handling identity theft cases will enable a swift resolution to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact information.

Thank you for your immediate attention to this urgent matter.

The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible
Product: Credit reporting or other personal consumer reports

OnXX/XX/2024 I sent a dispute via certified mail through USPS to Experian. They received my dispute on XX/XX/2024 at XXXX. The tracking number is XXXX. I asked for the dispute results to be sent to me by mail and they failed to do that. They sent me my results by email on XX/XX/2024 at XXXX. I also asked upon completion of their reinvestigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this reinvestigation. Lastly, please provide a description of the procedure used. But they have failed to send me the method of verification and based on what I asked for in the letter. I'm publicly asking for Experian to provide me with the verification of the information about these entire accounts that I asked for in my dispute. I believe that there wasn't a true investigation based upon the benefits that Experian and the furnishers that provide this inaccurate and incomplete information on my credit report which is hurting me and my family deeply and financially. I asked that Experian DELETE the following accounts that I sent in my dispute. If the information can't be proven to me to be accurate and complete. I also asked for a copy of my credit file and Experian has failed to send this to me, which I have a right to have access to. The report number from their finished investigation is : XXXX. Please Delete the following account from my credit file : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

This is a utility service called XXXX that I have never opened or had knowledge of. This dates back to 2009 and XXXX reported as a charge off collection acct that is clearly past stature of limitations. This needs to be deleted immediately off my credit portfolio. Thus this is fraud that I was living in XXXX at the time. This clearley needs to be deleted from my credit portfolio
Product: Credit card or prepaid card

My credit card is from Lowes now thiis card belongs to Synchrony Bank now I can not see my Statement on line, only uf I sign agreement paper less, it seems to me that does not correspond please see it this unlaws. 
Thank you
Product: Checking or savings account

On XX/XX/2022, I made a cash deposit after cashing a personal check at my bank First Bank in Driving XXXX XXXX. I went to the ATM machine and deposit the cash from the check that was {$220.00}. and the ATM machine rejected it twice I decided to go to another Fist Bank. I went to the one that is on XXXX XXXX XXXX, and it happened again but the second time it rejected the deposit the machine only returned me {$5.00}, and it never gave me a receipt. So, I enter the Bank and explained what happened and they told me that the deposit was not showing. They told me that they will do an investigation to see if there's any irregular movement. I ask if they can at least check the ATM machine to see if my money is stuck and they say they can't do that and also said if they can count the money so they can see that there will be {$220.00} extra and they said that i have to wait 10 days for the investigation. They when the 10 days passed, I call to see what had happened with my money and they said that they didn't find anything irregular with the ATM machine, and that was the end of it. I would like for an extreme investigation because I am certain that the ATM machine kept my {$220.00}. They can even check the video camera that doesn't lie. Also, when I was doing my claim there was other customers saying that was not the first time the ATM machine was not working right.
Product: Student loan

In accordance fair crediting reporting act, this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681, section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC166B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXXXXX-Date of inquiry XX/XX/2020 XXXXXXXX XXXXDate of inquiry XX/XX/2020
Product: Credit card

I am receiving calls for credit card debt for a person that does live in my home.
Product: Credit card or prepaid card

In response to Complaint ID XXXX Not really sure why XXXX XXXX keeps responding to my complaints. I've stated at the end of each and every one that a response is not necessary, as is useless. Part of the brazeness Discover has I suppose ... 

Please note in XXXX XXXX XXXX latest response, he specifically stated, and I quote, " We will not being providing phone call recordings as you have detailed in your correspondence to the CFPB. '' So ... I, the customer, requested a copy of the recordings of my own phone calls for proof of an agreement with Discover 's agents.. And he just blatantly denied that request ... Need I say more? That pretty much says it all right there ... I have already documented this into my files and it will be used as part of my supporting documentation for my lawsuit against Discover ... A very big part ... The biggest part. : ) XXXX XXXX and his colleagues should be aware that if a subpoena is ordered by the court for the audio recordings of the relevant conversations, and they fail to comply, they will be subject to civil or criminal penalties ...
Product: Credit reporting

I have disputed the bankruptcy listed on my credit report with Equifax. My information has been suppressed with XXXX since XX/XX/XXXX but they send me correspondence stating they have verified with XXXX. I requested a copy of my XXXX report which is dated XX/XX/XXXX. I received a document from Equifax dated XX/XX/XXXX that they verified the bankruptcy again through XXXX even after I provided them a copy of the report stating no bankruptcy records.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX Account number : XXXX