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

I was recently denied a mortgage, unable to secure a HELOC for home improvement and other necessities. Upon pulling my report, I discovered that my score has dropped drastically due to five months  of this account reporting as 30 days late, although I have never once been 30 days late. This has been extremely distressing for my family.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never been to the XXXX XXXX XXXX facility for any treatment or services offered there. This isn't the first time I have received a medical bill for a place I have never been to so there is definitely something going on here that needs investigated.
Product: Checking or savings account

On XX/XX/XXXX I purchased a new phone which I traded in for another phone. I was unable to access my Citibank account after these changes. I called Citibank to let them know I was locked out of my account due to me changing my telephone number and my phone. Citibank told me I would have to wait for a code through the mail. I waited for a letter which took XXXX weeks in the days prior I had to open a new bank account with another bank entity so I could pay my bills. I was able to access my account sometime in XXXX thats when I updated my phone number. I contacted Citibank to ensure the process of changing my phone number was in effect I was told it took 30 days. Today XX/XX/XXXX I was attempting to make a external transfer to my other bank but was unable to verify my account because the system switched my phone number back to the original phone number I no longer had access to. I contacted Citibank and of course they could not assist me I was told to send them a letter via mail requesting the change of my phone number. This has been a very stressful process and Citibank is not assisting me in this matter. Every representative tells me something different
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian have repeatedly and continuously violate my federally protected rights under the Trafficking Victims Protection Act of 2000 ( " TVPA '' ) which was mostly recently reauthorized on or about XXXX. Additionally the CFPB released rules for credit reporting agencies to follow in regard to this law in their ( CFPBs ) Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ). 
I submitted 4 documents to XXXX, Experian, and XXXX in accordance with the TVPA and in excess of what was required under TVPA and Regulation V. Those documents were a non-governmental organization letter attesting to my status as a victim of human trafficking, a copy of my passport, a copy of a recent utility bill, and a copy of the self-attestation letter, the template for which was provided by the CFPB. These documents were uploaded to the e-Oscar system on all three ( XXXX ) of the credit agencies ' specific websites. The documents were also mailed via certified mail to XXXX, XXXX, and Experian. This was done repeatedly beginning XX/XX/XXXX to XX/XX/XXXX of XXXX. To date, XXXX, XXXX, and Experian have not removed the items within four ( 4 ) business days as required by the federal law, TVPA. 

XXXX, XXXX, and Experian continue to cause me further emotional, mental, and financial damage by refusing to comply with the federal, violate my federally protected rights, and further inflict egregious damage on me by continuing to participate in my victimization under TVPA by continuing to profit from my personal information while I am under duress and suffering as victim. 

XXXX, XXXX, and Experian have stepped and operate unscrupulously outside of their positions as self proclaimed credit reporting agencies while engaging in profiteering at the expense of my status as a victim. THIS IS MY THIRD COMPLAINT REGARDING THE SAME ISSUE.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

LOANCARE WEBSITE DOWN FOR EVERYONE FOR WEEKS AND ALL PHONE LINES DOWN???? WHAT IS GOING ON. NOBODY CAN MAKE A PATYMENT DUE TO THE WEBSITE AND PHONES BEING DOWN SUPPOSIDLY TO A TECHINICAL ERROR. I HAVE MY PAYMENT SCHEDULED ALREADY BUT HAVE READ MANY PEOPLES COMPLAINTS ONLINE WHERE THERE PAYMENTS DIDNT COME OUT AND THERE IS NO WAY TO SPEAK TO ANYONE???? 


MYLOANCARE.COM IS THE WEBSITE I DID FIND SOME INFORMATION FROM ANOTHER WEBSITE. THE CUSTOMER SERVICE PHONE NUMBER GIVEN BELOW IS DOWN TOO. 

XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 To : All Issuing Offices RE : UNDERWRITING - Security Event Affecting LoanCare , LLC Dear Associates : We have been advised that LoanCare , LLC has experienced a security event. As a precautionary measure, LoanCare has restricted access to certain systems, including email. We have been advised that LoanCare is working to address the issue and to restore normal operations as quickly as possible. 
Effective immediately, until further notice : Do not close transactions involving LoanCare , LLC. Do not transmit funds to LoanCare , LLC. 
Additional information may be available at LoanCare, LLCs website : https : //www.loancareservicing.com/ Or by calling LoanCares Customer Service XXXX at : XXXX
Product: Debt collection

I was notified that NCC Business Services was attempting to collect on a disputed rental debt on behalf of XXXX. Because the debt prevented me from being considered for future apartment rentals, I made the decision to pay the disputed debt to resolve the matter and put it behind me. This debt was paid XX/XX/XXXX. I received a letter via email from NCC Business Services that showed the debt as paid in full, and I provided the letter to the apartment office. More recently, I have applied to several apartment communities, and my applications were declined due to unpaid rental debt. This debt is still showing open and unpaid on my credit report, even after almost a year of it being paid. NCC Business Services is responsible for timely and accurate reporting to the credit bureaus for debts they report. They have failed to accurately report this account for almost a year, which has been detrimental to my credit report and has cost me financially due to apartment application fees. I contacted NCC Business Services XX/XX/XXXX to discuss this matter and obtain proof of payment. The first person hung up on me, and when I called back, the representative said my only option was to send an email request to their email address. I have yet to receive the simple letter I requested, and any acknowledgment of my request. This has been incorrectly reported for almost a year. Falsely reporting a debt to the credit bureaus is a violation of my rights as a consumer.
Product: Credit card or prepaid card

Synchrony Financial is now lowering my XXXX XXXX XXXX limit as I pay down this account, thus making my credit score drop because instead of showing I'm paying down my balance, they reduce limit so card always looks maxed out!! If they are doing this to me, must be to many and absolutely WRONG
Product: Credit reporting or other personal consumer reports

For years scammers have mess up my credit accont.they even clean out my bank account and open accounts in my name.i have written & call the credit Bureas for help but they refuse to help me.so me trying to get a home for me and my family seems impossible.becuse the Bureas refuse to help me plus i had XXXX  ( 4 ) times.i was told to sue them but am asking for help one more time
Product: Credit reporting or other personal consumer reports

Im filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX, XXXXdept of ed opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Debt collection

It says I stopped being charged on XX/XX/XXXX, which is a lie last XXXX statements in XX/XX/XXXX past due amount {$590.00} minimum payment due {$1000.00} XXXX statement states past due amount, XXXX minimum payment due {$1200.00} now they stated that all I owed was XX/XX/XXXX new balance {$1800.00} past due amount {$260.00} minimum payment due {$420.00} XXXX New balance {$1900.00} XX/XX/XXXX new balance {$2100.00} past due amount {$590.00} minimum payment due {$1000.00} XXXX statement new balance {$2200.00} Past due amount, {$710.00} minimum payment due {$1200.00} thats over a {$300.00} lie and just XXXX month the past due amount is lower when that mean that I made a payment or theyre manipulating documents to scare people I would like to go to court and settle this to prove to judge that this is unethical to push on somebody that they know is going through a hard time in life due to XXXX XXXXXXXX and not having income or employment as I explained to them several times, but they still keep calling even after its been turned into the collections agency
Product: Mortgage

My name is XXXX XXXX Complaint against : tidewater mortgage services and XXXX XXXX Title complaint address : misleading calculation of the seller property tax debt Im writing today to complain of poor service I received from mortgage and title companies that i assigned to complete my purchasing and closing process for my new house I bought XX/XX/XXXX They faulty calculate the seller property tax portion as only XXXX $ while his fair portion is XXXX $ as the tax bill for XXXX is XXXX XXXX I called both title and mortgage company to ask them to fix this and compensate the difference, they pretend that they did that estimation according to the last year ( XXXX ) tax bill which is misleading information as the seller bought that property in XX/XX/XXXX with a homestead tax advantage on it that he was inherited after purchase but he cant inherit me the same bill as he bought it with different value, the point here, is their estimation was neither professional nor fair as they can easily calculate it by using ( tax estimation service ) offered by official website of the county property appraiser ( https : //www.pcpao.gov ). they know that the seller bought the house in XX/XX/XXXX and he sold it to me XXXX, so there is no way for the tax value to stay the same with a new house value and without homestead advantage. Im all hope that u can solve that issue out Attached closing disclosure and property tax bill
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy being reported on my credit report. The credit report states that this bankruptcy is furnished by the U.S. Bankruptcy Court of Alabama, but after contacting the court, they confirmed that they do not furnish or report any information to credit bureaus. Therefore, the bankruptcy information currently being reported by your agency is unverifiable, false, and misleading.

This bankruptcy has been incorrectly listed on my credit report for several years, despite my consistent disputes claiming that it is not mine. I am requesting immediate removal of this inaccurate information from my credit report, as it is causing unnecessary harm to my credit profile.

Please investigate this matter AND STOP USING OCR ( IF I AM TELLING YOU ITS WRONG PLEASE COMPLETE A HAND INVESTIGATION OR JUST REMOVE IT ) and provide me with confirmation that the false information has been removed. I appreciate your prompt attention to correcting this error.
Product: Money transfer, virtual currency, or money service

My surname is XXXX, and my given name is XXXX XXXX I am a federally protected consumer and natural person. I am filing this complaint in pursuit of a duty of due diligence that is required by me after recent payments and documents were or were not filed by CITIBANK N.A. Multiple complaints have been filed in reference to this account with CITIBANK, and with courtesy and good faith, I tendered the account in accord and satisfaction by use of an instrument. This instrument however, was unlawfully redeemed for a fraction of full satisfaction. 

On the date of XX/XX/2022, CITIBANK N.A. received a notice and an instrument tendered as full satisfaction of a debt on account number ending in XXXX ( EXHIBIT D ). The instrument numbered XXXX was redeemed according to the USPS tracking services ( EXHIBIT B ). Upon cashing of the instrument, CITIBANK N.A. also received a coupon signed by myself, accepted for full value of the claim ( EXHIBIT E ).

CITIBANK N.A. updated the account and I was notified of a {$20.00} tender made on XX/XX/2022 ( EXHIBIT A ). In lieu of the simple contract upon the negotiable instrument, there is to be payment for full value consideration and tender of of {$3900.00} UPON REDEEMING the instrument. Thus, leaving CITIBANK N.A. in breach of contract. 

I can only assume that the remainder on the account ending in XXXX is a billing error needing corrected by due diligence of the obligor. Assuming that the accepted coupon returned to CITIBANK N.A. in addition with the redeemed instrument were received as obligations and interest in the account was used to offset the balance. In good faith, I request CITIBANK N.A. to please clarify and correct the error at hand. Please refer to our contract that was accepted and redeemed by You in ( EXHIBIT C ). A Cease and Desist will be issued to you and through you until I am relieved of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Wells Fargo business checking account in XX/XX/2019. I was promised a {$1000.00} promotional bonus which I still have not received. I have called and emailed multiple Wells Fargo agents/representatives and they are not honoring the promotional bonus promised. They have denied me my bonus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear Consumer Relations Department, I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me.

I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : XXXX XXXX XXXX : Balances {$6900.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX : Balances {$1300.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors.

Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above.

During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher.

Promptly update my consumer report with the correct and accurate information.

Provide me with a written statement of the investigation results and any changes made to my consumer report.

Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days. 
As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action.

I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. 
I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.
Product: Credit reporting

I asked Experian to investigate the listed accounts on XX/XX/XXXX, my request was granted they immediately started to investigate all accounts listed. Two months passed before I received a update. On XX/XX/XXXX I received my updated credit report stating that XXXX out the XXXX accounts in question we 're deleted. I have uploaded the original request that started the investigation and the updated credit report. I called Experian a few days later because I had a few questions about my credit report and that 's when I was informed that the reason the accounts we 're deleted was because the creditors did not reply in a timely fashion. On that same call I was also informed that on XX/XX/XXXX the XXXX deleted accounts we 're added back because the creditors wrote requesting the accounts added back, even after the allowed time by law had passed. I think Experian broke the FCRA. Please advise.
Product: Mortgage

XXXX ( XXXX XXXX ) sold my mortgage to ROUNDPOINT Mortgage. 
XXXX XXXX ( homeowners insurance sold out to XXXX. 
I pay my insurance through Escrow so had no idea that Roundpoint paid my insurance to XXXX XXXX. I never missed a payment or was late. I received notice that my insurance was cancelled for nonpayment by XXXX. I spent the day finding new coverage from a local agency. Roundpoint, after dozens of phone calls, acknowledged that I had new coverage. 

They purchased a policy after my new policy for XXXX to cover for XXXX months they claimed I was uninsured. There was a XXXXne week lapse in coverage end of XX/XX/year>. In XXXX they finally gave me one half of what was charged, approximately XXXX for their error, although they admitted I only owed around {$70.00} for the one week. 

Now I receive another letter stating they have purchased me another policy ( keep in mind I'm fully covered and still have excrow coming out every month ) for over XXXX. 

I feel that my interest rate is too low and they want to rid of me through negligence and harassment. I've spent countless hours on the phone, emailing and literally begging for professionalism. I have spoken to so many, some who have admitted what is happening is wrong and unjustified. Their calls are supposed to be recorded so there should be a record of all conversations.
Product: Debt collection

In accordance with 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of a late payment reported on my credit report. The information provided by WORLD ACCEPTANCE COR is inaccurate, as detailed in the enclosed documentation. Under this section, the credit reporting agency is required to follow reasonable procedures to ensure the accuracy of the information in my report. 

Additionally, under 15 U.S.C. 1681s-2 ( a ), WORLD ACCEPTANCE COR is obligated to provide accurate information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX PROGRESS - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX, XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Transunion is incorrectly showing a high / inaccurate balance from an original creditor on my report. It shows a high balance of {$2400.00}. I have statements from XXXX for the same account showing high balances of {$2500.00} and {$2500.00} neither of which are the original High Balance on the original account or the high balance when it was received by XXXX XXXX.