23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on my home on XX/XX/2017. Thus far I have had no trouble making payments or keeping up. However my loan was sold for its original holder to loan care its current servicer. This is a normal practice of course. What I am upset about is, when I paid my loan in XX/XX/XXXX, I was charged a XXXX dollar late fee for paying on the XX/XX/XXXX. According XXXX XXXX regulations, a servicer is not allowed to charge a late fee to the borrower until after the 15th day. I have tried call them many times to resolve the issue, but just ended up hanging up, because the hold times for an operator is over 1 hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to update my credit score to reflect what it was before XXXX falsely reported I was 30 days late. XXXX corrected the information with Equifax, but Equifax refuses to correct my score. They have been provided with the correct information, but refuse to correct my score. This is entirely Equifax 's problem. Equifax needs to correct my score to where it was prior to XXXX issuing the adverse information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND IT'S A FEW FRAUDULENT ACCOUNTS REPORTING TO ALL XXXX CREDIT BUREAUS AND SHOULD NOT BE BC IT'S ILLEGAL AND I WAS NOT AWARE. I HAVE CONTACTED THE COMPANY 'S AND THEY SAID CONTACT THE BUREAUS TO DELETE THE ACCOUNTS BUT NOTHING HAS HAPPENED. I ALSO FILED A POLICE REPORT AND I'M READY TO SUE IF THIS ISN'T HANDLED WITHIN THE NEXT 15 DAYS. PLEASE DELETE THESE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE INQUIRIES, 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, credit repair services, or other personal consumer reports

I have been victimized by identify theft. Multiple accounts have been opened up in my name. And i need them removed now. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unverifiable Debt Following XXXX Deletion Dear Sir/Madam, I am writing to formally inform you that the disputed charge-offs from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were recently deleted from my XXXX credit report after a dispute was initiated. The investigations were completed on XX/XX/year>, and the accounts were completely removed due to being unverifiable. 
The details of the disputed accounts are as follows : XXXX XXXX XXXX : {$46000.00} Charge-Off XXXX XXXX XXXX XXXX XXXX {$15000.00} Charge-Off According to XXXX XXXX, these accounts were deleted from my report as they were unable to be verified. As such, I respectfully request that you, as the Credit Reporting Agencies ( CRAs ), take the necessary action to remove these unverifiable debts from my credit report as well. The Fair Credit Reporting Act ( FCRA ) requires that all information on a credit report must be accurate and verifiable, and since XXXX has deleted these accounts, they can no longer be reported as valid or accurate. 
If XXXX has removed these accounts completely from my report, I believe it is your responsibility to do the same. The FCRA mandates that when a disputed account can not be verified, it must be removed from the consumers credit report. The relevant sections of the FCRA include : Section 1681i ( a ) ( 1 ) ( A ) : Requires that a credit reporting agency conduct a reasonable investigation and remove any unverifiable or inaccurate information.

Section 1681e ( b ) : States that a credit reporting agency must ensure the accuracy of the information it reports. 
Therefore, I respectfully urge you to investigate these accounts, as required by law, and remove them from my credit report within 30 days of receiving this notice. 
If the unverifiable debt is not removed within 30 days, I am entitled to take further action as outlined under the Fair Credit Reporting Act ( FCRA ), including the possibility of legal action. Under FCRA Section 1681p, if a credit reporting agency fails to comply with the provisions of the FCRA, I may have the right to sue for actual damages, statutory damages of up to {$1000.00}, and attorney fees.

Additionally, under Section 1681n, if there is willful non-compliance, I may be entitled to punitive damages.

Please consider this letter as a formal request for the immediate removal of the unverifiable accounts from my credit report. Failure to do so will leave me no choice but to pursue legal remedies as allowed under the FCRA. 
I look forward to receiving confirmation that these items have been removed within the 30-day timeframe. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Account was opening during a time period where there was an available promo for new accounts. I my account was opened XX/XX/XXXX and the promo at that time was {$300.00} after I meet all the qualifications. I met the qualifications and I did not received my bonus. I called customers service and the representative looked over my account and told me I have meet the qualification and that she was going to submit a form for missing bonus and that they would reach out to me. Nothing happened, I did not get my bonus and no one called me to follow up. I called again XX/XX/XXXX and spoke to another presentative and she was not able to find any notes or ticket for the missing bonus she also reviewed my account and I met the qualification so she was going to submit another ticket and they would follow up with me. Time passed by and nothing, I called again and was told there was no ticket and I met the qualifications and they would submit another ticket. I am just tired of the going back and forth and no resolution. No one has been able to update me and let me know what was the outcome of those tickets submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX XXXX XXXX 
Account # XXXX Name : XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX XXXX Account # XXXX Name : XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer Reporting Agency Can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I did a XXXX XXXX transfer to XXXX  Bank on XX/XX/21 it has now been several weeks XXXX even gave an ACH confirmation code number XXXX, the funds are still missing and Chime is just giving me the run around, even though they stop {$44.00} from me
Product: Consumer Loan

I applied for a line of credit with Fortiva based on the fact that the product I was purchasing qualified for 12 months of interest-free payment. At no time did I receive communication from Fortiva informing me of the conditions of the approval. Nor does XXXX ( XXXX ) website state that not getting the interest-free promotional period is a possibility. XXXX website concentrates on the 12-month interest-free financing, and once you are approved for a line of credit with Fortiva, it automatically goes back to XXXX website at no time showing the terms of the financing nor is written communication sent after approval. First communication received from Fortiva was my statement. 

I became aware that I had not qualified for the promotion of either 6 or 12 months interest-free payments when I contacted Fortiva after receiving my second statement to inform them that they had made an error in charging me interest. Had I been made aware that I would be charged 29.99 % APR, I would have used another form of payment or not gone through with the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around XXXX i saw alot of pre-approvals on credit karma at 1st I didn't pay it no attention but credit karma kept sending all sorts of different pre-approvals telling me that I was pre-approved for credit cards and personal loans and that I can refinance my car! everyday I would see these offers very time i logged to check my credit scores! so after a few months of being told that I was pre-approved, I thought I was now in the perfect pace to apply! i got so many offers through credit karma I started telling my whole about vacations and investments we were going to use these pre-approvals for. 
so I applied on or around some time in XXXX and I got denied for 2 credit cards and a personal loan. 
i was distraught, i was very very angry and I felt deceived. i was marketed to for months. 
Credit Karma told me that I was pre-approved. this was a lie! i was severely XXXX XXXX I was XXXX for weeks, I had XXXX so bad I became XXXX XXXX my XXXX went from XXXX now every I see pre approvals I immediately close my phone and shut my computer off. this has made me so XXXX, and XXXX that I haven't checked my credit as frequently as I should.
Product: Debt collection

My husband took my XXXXyr old son to XXXX XXXX on XX/XX/19 as my son was ill. My husband had to leave during my son 's appointment, so I met him there and continued forward with the appointment. My son was flu positive and received prescription for XXXX. Ms. XXXX noted as my husband and I were both exposed we should consider taking XXXX XXXX. She provided prescriptions for both my husband and myself, which I filled and paid for. Subsequently, my husband and I both received {$89.00} exam bills from XXXX XXXX  for the date of XX/XX/19. My insurance was billed directly but my husband was billed as un-insured as he was not in the XXXX XXXX system ( though we share the same policy ). I called XXXX XXXX to dispute the claims as billing fraud noting these services where never provided to my husband or myself. The representative confirmed they have no vital signs or notes in their system that would indicate any type of exam occurred. He reported it was likely an error on their side and would be resolved. It apparently was not resolved as the bill was turned over to a collection agency. I have paid it as XXXX XXXX correctly played the odds that I would not put in the additional effort to try to fight the collection agency. I do feel this is billing/insurance fraud. We will not utilize their services in the future and will strongly encourage others to avoid XXXX XXXX as well.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, 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 Experian inaction violates federal law and my rights as a consumer
Product: Mortgage

I have an existing complaint with your office. Re : Loan number XXXX with Carrington Mortgage Services , LLC . The case is still pending I received a letter today XX/XX/2021. The letter mailed to me is dated XX/XX/2021 indicating that I withdrew my application. This statement is not true. I never withdrew my application. I am requesting that my statement that I never withdrew my application be included in my pending complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived at this property for over a year I had ended up not being able to pay the rent due to covid the government ended up paying my balance to XXXX $ and paid up to the next month which was XXXX which was paid as well i called the rental office and they told me that I can move out and that I had to give them a 30 day notice I told them that I had already moved out which was now XX/XX/XXXX and that I didnt want to do a 30 day notice mind you I was on a month to month by that time I had my brother turn my key in because when I moved I moved to a new state and didnt want to leave it in the drop box they billed me for another month and the rent was XXXX when I lived there I have a XXXX $ balance on my credit report which is illegal to charge me when 1 i moved before they are saying I moved and 2 thats not the amount that I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are not blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. These are the fraudulent accounts that I have disputed : XXXX XXXX, XXXX XXXX, XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are showing my XXXX XXXX XXXX XXXX account # XXXX account to be 30 days late on a payment. The account had never been 30 days late and always in good standing up until it was paid in full in XX/XX/2020. I submitted a dispute they closed it in 2 days and did not correct it. And XXXX XXXX is showing the account was closed negatively and sold to a new creditor. Which is false.
Product: Credit card

I was contacted by kirkland Management in New York saying I was going to be served papers and be sued if I did not pay. I told him my personal money situation and he said he was being nice and offered me a lower amount to pay them. They do have my information, but their pressure to comply and threatened to serve papers if I did not call them before Monday afternoon ( this is Friday afternoon ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the 5 BK 'S on my credit report that have been removed and replaced back on my credit report. Dates removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BANKRUPTCY
Product: Mortgage

The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by Bank of America XXXX. XXXX XXXX was the XXXX lien-holder and tried twice to participate in a short sale, but Bank of America refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to Bank of America who told us the home was charged off and we did n't owe anything. Then we received notice from XXXX saying they had the loan now. We disputed the validity of this debt. XXXX at one time agreed that Bank of America should have never sold this loan to them, but then started charging us the regular monthly payment amout of {$620.00} which has significantly increased this debt. And now XXXX is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the National Federal Class Action Lawsuit against the XXXX banks ( including Bank of America and XXXX XXXX ) that foreclosed on homes and should not have.
Product: Consumer Loan

Please reference complaint number XXXX. When I disputed this complaint I had assumed you would get back to Honda, since they did not address my problem basically at all. Perhaps I hit the wrong buttons. In any event, I received an email which described my dispute as feedback and not a dispute, so here is a new/related complaint as it was submitted in dispute to referenced complaint. Thank you : A non-answer from Honda Financial Services ( HFS ) which requires further explanation. I never changed my address on my lease buyout and neither did the XXXX XXXX XXXX XXXX ( financed the purchase for the buyer ) or if they did I was never so informed. I did change my mailing address from XXXX XXXX to XXXX XXXX XXXX at the HFS website on XXXX XXXX, the day after car sale was completed, in anticipation of my departure for XXXX on XXXX XXXX. Perhaps the difference in amount charged was due to a change from XXXX to XXXX ( XXXX, some would say XXXX ; there is no state XXXX and neither does an XXXX address charge sales tax )? Obviously, I never moved to XXXX. I did make a payment electronically to HFS in the amount of {$340.00} on XXXX XXXX to get HFS off the back of the buyer who is also my brother-in-law and to allow release of the car title. So, the first thing that needs to be fixed is the return of the {$340.00} erroneously charged that I paid on XXXX XXXX. Secondly, as stated in my original complaint, consumers need to be protected from HFS which billed me in a letter ( scan attached to my original complaint ) which did not explain the reason for the billing, a company which makes it impossible to resolve a dispute with consumers who have moved XXXX AFTER complying with their instructions for paying off an auto loan. Thank you.
Product: Debt collection

i have been a victim of identitiy theft and these accounts is a result of it they are being reported on my credit file and they are fraudulent
Product: Credit card

On XX/XX/year> I purchased a refrigerator from XXXX 's using Paypal online. On XX/XX/XXXX the refrigerator was returned due to damage. XXXX 's submitted a refund to paypal and paypal failed to refund the money to my account. The amount was {$1100.00}. I filed a dispute in XXXX and when they responded back the email went to junk mail. When I finally got around to looking into it I discovered they denied my appeal. I called customer service to discuss and they looked at my account and confirmed I never received the refund and refiled the dispute. It was denied because I had exceeded 120 days. Paypal refuses to review the case, and refuses to refund my money.
Product: Credit card or prepaid card

This issue regards my Macy 's American Express credit card issued by AMEX/DSNB, XXXX XXXX XXXX XXXX, OH XXXX, XXXX. 

My credit limit was cut in half early in XX/XX/2019. I received no notice of the change from AMEX/DSNB. I learned of the change from an alert issued by XXXX that stated : " AMEX/DSNB lowered your credit limit to {$900.00}. 
Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. A reduction in your credit limit may negatively impact your Credit Score. '' Subsequently, I learned from AMEX/DSNB that my credit limit was lowered because of inactivity. 

MY COMPLAINT IS THAT MY CREDIT LIMIT WAS LOWERED WITHOUT PROVIDING ME WITH ANY NOTICE, AND THAT MY CREDIT SCORE COULD HAVE BEEN AFFECTED. 

The customer service representative at AMEX/DSNB informed me that they have no obligation to provide me with notice. If this is correct, I respectfully suggest and request that CFPB adopt a rule requiring issuers of credit instruments to provide customers with notice of any changes, including credit limits, to their accounts. 

AS A RESULT OF THEIR LOWERING MY CREDIT LIMIT WITHOUT NOTICE, I CLOSED THE ACCOUNT AND DECIDED TO MAKE A FURNITURE PURCHASE FROM AN ALTERNATIVE VENDOR INSTEAD OF MACY 'S
Product: Debt collection

I checked my credit report and discovered an account from a company called ONLINE COLLECTIONS. I have no idea who or what this is, nor do i have knowledge of the debt they are reporting. I have never been contacted by this company. I contacted the original creditor, XXXX XXXX, and they stated there is no balance for my old home address or under my social security number. They also stated they do not use this company for debt collections, imposing that this is a fraudulent account.
Product: Vehicle loan or lease

HYUNDAI motor finance is inaccurately reporting a charge off on my account. Hyundai did not provide me with notice that the account would be charged off. Hyundai was submitting electronic documents to the HYUNDAI motor finance portal that I no longer had access to due to them limiting my portal access when the vehicle was stolen and paid by insurance. I have sent several emails to the VP of Hyundai as well as calling customer service and disputing with the credit reporting agencies. Hyundai did not give me sufficient notice that this account was going to be charged off thus lowering my credit due to their error. They have not tried to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reported my late for XX/XX/2019, XX/XX/2019, and XX/XX/2019 when I would not had been late had their customer support responded to my emails sooner. The only way to contact this company is via email. It took them over 24 hours to respond when I needed my bank account corrected since their online system wasnt allowing me to change it. When I finally got a response it was too late and they reported me late for XX/XX/2019. Same thing happened on XXXX and XX/XX/2019. They had the wrong bank linked to my account so I tried to change it again but their system wouldnt allow it. After another 24 hours and back and forth emails they finally manually processed my payment but again it was late because of the lack of customer service and the poor their application having so many glitches.
Product: Mortgage

I was laid off by my employer for lack of work. I have requested a mortgage modification with my mortgage company Green tree several times for the last 3 years. They will not work with me to modify my mortgage. I was recently sent a property foreclosure sale notice to forecloseon my house XXXX XXXX, 2015. Ditech is my new mortgage company I did not receive a letter stating they were my new mortgage company. I want to keep my house and modify my mortgage. Please assist me with the mortgage modification. and postponing the foreclosure sale date. Thank You