23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I do n't know what else to do with Equifax. I disputed XXXX XXXX on my report and the company agreed that I had paid the account and it was closed, as can be seen by the {$0.00} balance and statement. Equifax did not properly update this and is still showing it as XXXX days past due. I complained to the CFPB and received a response saying that it had been looked into and to call Equifax for results. I called for results and the man, XXXX XXXX, that I spoke with told me that they never received a CFPB complaint and that the CFPB was lying if they said that Equifax responded because they did not. He also told me that I was not allowed to dispute XXXX XXXX anymore and just had to accept that it was wrong. This is completely outrageous that they would be allowed to circumvent and lie to a government agency, the CFPB, and knowingly leave mistakes on a person 's credit report. I am outraged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.
Product: Checking or savings account

Woke up one morning and my Buisness account was closed. I had that account for 5 1/2 years I went to speak with the bank manager and they said they have no reason to close it, and dont need a reason to close it. Its my company Buisness account which made everything go wrong once account closed I was not able to accept payments. 
Then 24 hours later they closed my personal account and werent able to pay my rent and bills are take care of my kids with XXXX XXXX XXXX XXXX  )
Product: Mortgage

Hello. 
When Covid struck back in XX/XX/XXXX, many of us within the Local lost our jobs including myself. While I continued to pay my mortgage, in XX/XX/XXXX I received a letter from my mortgage provider, Select Portfolio Servicing , Inc., Which stated, if you have been experiencing a hardship due to COVID-19 to call the XXXX  number. Upon doing so, Select Portfolio Services offered me a three month hiatus. Then, in XX/XX/XXXX, I was given another three month hiatus extension. This happened again in XX/XX/XXXX, whereby, I was following their own rules. I was asked to check in once a month which I did. 

As we came in to XXXX, Select Portfolio Services says they were going to work with me. As a matter of fact onXXXX XXXX I spoke with one of the representatives, XXXX, whom stated they were looking into a forbearance plan which involved a possible loan modification. She to asked me to check in weekly after I provided my paystubs and tax returns. After providing tax returns and paystub s, and following up with them, I was told several times, that they did not receive the documentation and to resubmit. Depending upon whom I spoke to, the information provided was always different. Now, a month later, I just received a letter on XXXX XXXX, stating they are unable to offer any assistance and they attached a letter of foreclosure which stated if {$36000.00} was not paid then their intention is to foreclose on the property.
Product: Credit card or prepaid card

On XX/XX/21 my husband and I closed escrow on a new house, a fixer upper. I applied for a Lowe 's credit card the next day, was approved for an {$8000.00} line of credit, began making purchases and placing appliance orders for our new house we plan to move in to on XX/XX/21. After a few large purchases, Synchrony Bank called to verify that I was the person making the purchases. I was. On XX/XX/21 I received my Lowe 's credit card in the mail and called to activate it. I requested a second card for my husband to use and that he be an authorized user on the account. Because Synchrony Bank/Lowe 's informed me it would take 7-10 days to receive the second card, I asked that they mail it to the new address where we would be residing by that time, so it would not get lost in the mail, and I officially updated our new address with them. On XX/XX/21 their Fraud Dept. called me numerous times from a number my cellphone labeled as Potential Spam. When I responded to their voicemail, the " Fraud Dept. '' required me to send them a copy of both sides of my driver 's license and a self video of my face to prove my identity! After I reluctantly complied ( because this sounded very suspicious ), they claimed they could not identify me, froze my account, and blocked me from logging in to my account. Numerous phone calls that same night yielded " the run around '', long waits on hold, and no answers as to what they wanted from me to prove who I am. I have 2 other accounts with Synchrony Bank with 5+ years of purchase/payment history with them. They know who I am! On XX/XX/21, I made a large payment on my Lowe 's account via the " Guest '' portal, more than half of what is owed. I'm still blocked. They are treating me like a criminal! We have a stove and refrigerator on order, on their zero interest payment plan, that we need installed because the house has none. I am furious and frustrated!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint against Experian, along with several other financial institutions, for their repeated failures to uphold my rights under the Fair Credit Reporting Act ( FCRA ) and protect my personal information. Specifically, my concerns are as follows : Violations by Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian failed to properly investigate disputed items on my credit report, despite clear evidence that these accounts were inaccurate or unauthorized.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They failed to notify me of the results of their re-investigations within the required 5-business-day time frame after completing their investigation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian reinserted previously disputed and deleted information into my credit report without following the appropriate notice and certification procedures. 

These failures have caused harm to my credit standing, impacted my ability to secure credit, and represent a blatant violation of my consumer rights under the FCRA. 
Concerns About Other Financial Institutions : In addition, the following companies have repeatedly shared my Social Security number and personal information with third-party agencies without my knowledge or consent : XXXX XXXX XXXX XXXX sold my information on multiply occasions and denied doing so XXXX XXXX : sold my information close the account experian put it back onto my credit report XXXX XXXX XXXX XXXX  sold my information XXXX XXXX XXXX : sold my information XXXX XXXX XXXX  : never gave them authorizations The unauthorized sharing of my personal information raises serious concerns about privacy violations and puts my Social Security number at risk of being linked to a data breach. This careless handling of sensitive information could expose me to identity theft and other financial harms. 
Requested Actions : Investigate Experians practices regarding their failure to comply with FCRA regulations.

Conduct a thorough inquiry into the unauthorized sharing of my Social Security number and personal information by the listed companies. 
Ensure that all shared data is properly secured and that third-party transactions involving my personal information are fully authorized and compliant with the law. 
Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. 
XXXX XXXX XXXX  XXXX XXXX XXXX : {$220.00} ; XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Product: Mortgage

Response to : XXXX XXXX New Rez dba Shellpoint Mortgage Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Reference # XXXX CFPB Complaint ID : XXXX Property : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Dear XXXX XXXX XXXX Your letter dated XX/XX/XXXX, has been received and evaluated. According to ( paragraph XXXX ) Shellpoints completed audit review of my loan that was discharged from the XXXX XXXXXXXX Bankruptcy, shows the XX/XX/XXXX, contractual installment ( my payment ) for {$960.00} was applied towards the XX/XX/XXXX, Mortgage Statement. 

Question : Why would Shellpoint/New Rez apply my XX/XX/XXXX, installment payment to XX/XX/XXXX, monthly installment payment? Did I overpay? Is that why payments are going toward future contractual installments? 

( See attached proof of payment/bank receipts ) : Shellpoint/New Rez received XX/XX/XXXX, monthly installment payment of {$960.00} on XX/XX/XXXX ( a day early ). You also received the XX/XX/XXXX, monthly installment payment of {$960.00} on XX/XX/XXXX ( a day early ). 

( See attached proof of payment/bank receipts ) : Shellpoint/New Rez received the XX/XX/XXXX, monthly installment payment of {$960.00} on XX/XX/XXXX ( XXXX date ). But recklessly applied it to XX/XX/XXXX, contractual installment before the contractual installment period even started. This is a blatant misappropriation of payments which has my account in the arrears. 

Your letter purposely omits dates Shellpoint/New Rez received my contractual payments because of misappropriation and continued failure to not show missed payments on their mortgage statements. You are receiving my payment through electronic funds transfer through bill payments but still fraudulently misappropriate funds received creating delinquencies. It is a very shady business practice that needs a serious upgrade before a suit is pursued against this company. 

I have attached Mortgage Statements from XX/XX/XXXX, to XX/XX/XXXX, where you stated the XX/XX/XXXX, contractual installment ( my payment ) was satisfied on XX/XX/XXXX. Included with the mortgage statement are the proof of payment for each monthly contractual installment and noted the month the payment should have been applied to. Use the attached proof of payment to correct my loan account as well as Escrow account. 

I am also requesting an escrow account analysis and statement to be emailed to me at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts and they keep updating that my accounts with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX belongs to me. I keep telling them my info was used but those accounts were opened by me they were opened fraudulently. I want these accounts to be removed from my credit report.
Product: Debt collection

XXXX XXXX failed to provide notice of debt for Medical Bills on behalf of XXXX XXXX. The address on file with XXXX didn't match the address the debt notice was sent. During this period incurred interest of XXXX. I request the interest fees be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Request 1099c in writing, provide updated credit report reflecting changes. I am asking for verification and conduct proper investigation into my dispute and remove any inaccuracies immediately. U.S. code 1692g, u.s. code 1692c, u.s.code 1635, proof of any agreement with these third party collection agencies.remove from XXXX, XXXX, and XXXX any inaccurate collections and personal information immediately.
Product: Mortgage

carrington still denying borrower formal written requests to speak on non recorded line.why should borrowers be precluded from assistance or loss mitigation options because of this request which is totally reasonable and legal and as right of borrower in massachusetts .also XXXX XXXX at carrington sent a letter in response to borroweer complaints that are inaccurate and borrower has definitive proof that XXXX XXXX claims is not orrect and trying to paint borrower in unfavorable light to hasten foreclosure,
Product: Checking or savings account

I have disputed 2 card transactions from a merchant as they are unauthorized fraudulent transactions. These transaction seem to be made with my card number. The dispute was rejected and a week after my dispute results that unauthorized merchant has charged me again! I did not authorize these transactions! 

The transactions are listed below : XXXX. XXXX XXXX XXXX XX/XX/XXXX in the amount of {$110.00}. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX in the amount of {$41.00}. 
XXXXXXXX XXXX XXXX  XXXX XXXX in the ammount of {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a repo with XXXX financial that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.
Product: Money transfer, virtual currency, or money service

Cash app is refusing to give me access to my account. I keep telling them i did not unlink the account. I would like to just withdraw my funding which is about {$3200.00}. 

If i cant do it i feel like they can withdraw it to the bank on file or send me a check.
Product: Credit card

I fell behind on my credit card obligation and when I was able to catch up, I initiated contact on or about with the Walmart Credit Card department. I was able to pay the entire late payment and bring the account current with the agreement of the agent that the account would remain open and current. I also agreed to initiate direct payments to keep the account paid as required. After the agent took my bank account information and set up the payments, all parties were stratified. However what actually happen was, they closed my account and charged it off and the money that was for payment was never applied towards the account and remains unaccounted for. I have a bank statement proving the payment was made. The charge-off was never disclosed to me and what was reported to the CRAs are false and inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against this agency again because I sent them a dispute on the XXXX of XXXX with supporting documentation as to why the referenced items in the attached dispute letter must deleted due to its noncompliance with the FCRA. I have yet to receive the investigation results and its been more than 30 days. I demand to receive the results now. I also attached the supporting documentation and a copy of my credit report around the time I initially sent the dispute.
Product: Debt collection

A notice from AmSher sent to me indicating I owed an unpaid balance from XXXX XXXX and never in my life have I EVER used XXXX XXXX. I did not attempt to contact AmSher because the notice had my last name spelled completely wrong. This to me was a red flag and I did not want to be scammed into collecting my information. I researched AmSher and because there is a website, I don't know if this is a legitimate business, but there is also lots of complaints about them. I know that I do not owe anyone any money and that this company is sending me a false claim and it should be reported. I also do not want to be their victim.
Product: Checking or savings account

I opened a business checking account online, and now I want to close it. TD Bank is telling me I have to go to a branch to close it, which is very inconvenient. The account has {$0.00} in it, but TD Bank is planning to charge me {$25.00} a month in fees for an account I have asked them to close.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XX/XX/20XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nor treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit inquiry within my report for CNBA. I have never applied for credit with this lendor. I ask that the issue is investigated and the item removed from file.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Product: Debt collection

The debt is from two ambulance rides from the main hospital in XXXX, AL to a mental health facility in XXXX, AL. 
I had filed for XXXX several years before and was awaiting my hearing. Which I won. State law grants all medical bills in relation to the XXXX case be filled under XXXX and paid in full starting on the date first filed for XXXX to the date the case was awarded. The ER and main hospital and the mental health facility filed correctly and were paid in full by XXXX. The ambulance service did not file at all as they were instructed to by both myself and the medical billing department at the main hospital. I never received any bills from them and thought the matter was resolved. Until the debt was bought by Wakefield and Associates and they tried to collect a debt that I am not legally obligated to pay and would have been paid in full by Alabama XXXX had they used proper billing procedures.
Product: Mortgage

PMI is suppose to automatically come off at 78 % of the original value of home. Property cost XXXX. Balance is XXXX which is now XXXX. Lender refused to take off PMI.
Product: Checking or savings account

The bank is requesting documents to verify my Unemployment deposit. I sent requested docs including a w-2, a photo id, a photo of myself holding photo id, and benefits receipt from website. They are asking for a PUA letter. I don't have PUA. I have standard unemployment. I have delivered all docs possible and now they won't answer my emails.
Product: Credit card or prepaid card

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Product: Credit card

On XX/XX/year> I made a payment to XXXX XXXX. The payment was never applied and this put me in arrears and acruing interest and late fees and unable for two years to use the timeshare. I called Citibank and was told that the payment was made. I made a payment in XXXX of XXXX using my Citibank card for XXXX. This was credited to my account. I have called Citibank repeatedly because XXXX insists that they never received any payment, though their accounting changes often as to how the monies are applied. But in this instance, no monies have been applied. 

I called Citibank again in XXXX since I tried to use my timeshare and was told that I was in arrears, lost the use of two studioes and current use since Citibank never paid them. I sent a letter to Citibank asking them to research as directed by Citibank. 

I am being dunned by XXXX for the current year 's taxes for which I had to pay the what they claim were past taxes, already paid plus late fees, so that I could make a plan. I will say that I am surprised by the statement made by the representative that I had not paid the XXXX off and misunderstood XXXX XXXX which i do not. To reiterate Citibank stated that I did not understand as the XXXX that I used was to cover the XXXX dollars already paid off. See documents in XXXX. 
The XXXX XXXX  clearly outlines the total originally charged. Where the money has gone for which as a XXXXXXXX who is also XXXX, is not only a mystery but also a hardship.