23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

EXPERIAN CONTINUE TO VIOLATE FCRA WITH REPORTING SAME ACCOUNT ON FILE 3 TIMES " XXXX '' PUBLIC RECORDS CASE # XXXX AND XXXX # XXXX, FORMAL FRAUD AFFIDAVIT WAS FILED WITH COMPANY AND FTC ON ABOUT XXXX/XXXX/2012 ; CASE # XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

A previous account was disputed. The debt was not verified. It was deleted from my credit bureau. It was re-inserted on my report, using a different account number to reflect it as a new account. I was not made aware of the reinserted collection by any of the credit report bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 2nd CFPB complaint about the addresses and names being inaccurate on my creit reports. I have sent several letters to Equifax, XXXX and XXXX and they still have not been updated or removed. 

XXXX is reporting inaccurate name XXXX, XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  is reporting addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax is reporting addresses that so not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I want all names to be updated correctly and these addresses that I have never lived at deleted from XXXX, Equifax, and XXXX
Product: Credit reporting, credit repair services, 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 corrected : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$76.00} ; XXXX  XXXX XXXX Balance : {$25.00}
Product: Credit reporting

I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. XXXX said they are investigating the other two would not do anything. Also when I dispute with XXXX it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially XXXX bankruptcies that I never finished going through the court system for. I provided paperwork to transunion showing the case was dismissed and I owe nothing, zero balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an XXXX Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.
Product: Mortgage

In XXXX of 2021 I contacted my mortgage company XXXX XXXX  in reference to my property being removed from a class AE ( mandatory ) flood zone to a class x. I'm aware that they receive this information from FEMA so I ask them to remove the requirement from my mortgage so I could purchase affordable flood insurance. 

Round point related that they will not remove the requirement unless I acquire a Location Map Amendment ( LOMA ) from FEMA and provide it to them. I then reached out to FEMA and undertook a challenging process of acquiring a LOMA acknowledging that my property has indeed been reclassified as a zone x. 

On XX/XX/XXXX and XX/XX/XXXX I uploaded the letter of amendment determination document to XXXX XXXX XXXX XXXX. Since XX/XX/XXXX I have reached out to XXXXXXXX XXXX  on XXXX occasions requesting a confirmation that they have received my LOMA and to provide written confirmation that Flood insurance is no longer a requirement of my loan. 

On every occasion they have needed to resubmit my request and have provided a later date for the LOMA to be acknowledged. My last communication was on XXXX XXXX where they have acknowledged that I have requested this to be done since XX/XX/XXXX on several occasions and they have been unable to complete my request. 

Round point is unwilling to recognize the FEMA LOMA document that governs the requirement for flood insurance on my mortgage. I believe this is a unscrupulous act which is incurring an unnecessary expense for me and my family. 

If I have contacted the wrong complaint office, my apologizes, please point me in the correct direction. 

Thank you for what ever help you can provide, XXXX XXXXXXXX XXXX Loan # XXXX Name on loan - XXXX XXXX XXXXXXXX XXXX XXXX  Phone # XXXX XXXX XXXX # XXXX XXXX XXXX ( Please leave a message )
Product: Credit reporting

at trans union it is different than any other credit report it is reporting that XXXX and XXXX and XXXX are bad accounts but they are not they were paid in full and closed by me
Product: Credit reporting

I was a victim of False Impersonation, and I am one of the agents for the company XXXX. Someone how several fraudulent accounts that appeared on my personal credit ended up on the company credit report as well as my personal home address. 
I have sent in a copy of my personal police report 3 times advising Equifax that the accounts were fraudulent and should not have appeared on the company credit report or my home address ... I was told my address and the account were removed in XX/XX/2014 to date, the same accounts are still present- nothing has been removed. 

I am requesting account numbers XXXX XXXX and XXXX be removed as well as address XXXX, XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, experian and XXXX credit reporting agency , block & delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Reason : Identity theft & Data breach.These fraudulent accounts consists of a auto loan at XXXX XXXX XXXX around XX/XX/XXXX with account number XXXX and other accounts at XXXX XXXX XXXX account number XXXX around XX/XX/XXXX and XXXX XXXX  account number XXXX  around XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report & file. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity cease & desist. I do not recognize the aforementioned accounts & Information reporting, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
ated to said items cease pursuant to my rights within the FCRA and FDCPA Laws.
Product: Credit card or prepaid card

I made a purchase from Ginny 's using another credit card. Ginny 's created two orders charging my credit card for one order and opening a new credit card account with them without my permission, charging that card for the same exact order as well. I was double charged. I believe the representative purposefully opened a credit card in my name to get credit for opening a charge account. Ginny 's fraudulently opened a charge card in my name without my permission. My order was paid. I specifically asked the representative not to open a charge in my name when she asked me. Yet she did it anyway. I have received partial shipment for the order I requested and no items for the double billing. I've tried three times to get credit for the double billing and close the card to no avail. I did speak to two reps, but was put on hold for a long period of time without resolution. The order number to be credited is XXXX. The original order charged to my other credit card is XXXX.
Product: Credit card or prepaid card

This company XXXX which is some overseas telemarketing company has been been charging my card for months now and I have sent in fraud, complaints, disputes multiple times to US Bank and they take them off and then just keep putting the charges back onto my account for these charges I didn't make. They have charged me now {$210.00} and I have no idea why US Bank keeps putting these charges back onto my account as if they are legit charges?
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had been using a credit card issued by Citi for some time. In XXXX 2017, I received a letter from Citi regarding a past due status on the account. 

I immediately called and learned from the customer service person ( collections department ) that I had been switched to paperless statements approximately 2 months prior. I never received any paperless statements, reminders, email, etc. and, most importantly, did NOT convert my account to paperless billing. I was told by the representative that if I log in to my account it will come up with a default check on the paperless option and " if you do n't catch it '' it will switch you over. 

I requested a copy of my latest statement and immediately paid the past due. 

I object to being charged interest, a late fee, and the reporting of this to credit reporting agencies. I would like to see some evidence that I elected paperless reporting, and I would like to see a regulatory agency look into this practice.
Product: Credit card

I make a monthly payment to Citibank. The due date of XXXX XXXX, XXXX fell on a Sunday, and Citi Bank did not accept payments. The payment was accepted on XXXX XXXX, XXXX the first business day after the due date. I was charged a late fee, against XXXX Credit CARD ACT as the due date was on a non-working bank business day and permitted to accept the first business day to follow. I have never been late once. The late fee charged was {$35.00}, {$8.00} more than was is legally permitted. As my payments are made automatically and there was no indication or change to my balance, I continued to pay the same payment and they repeatedly charged me a late fee for the next few months. They broke 2 laws per the XXXX Credit CARD Act and now are forcing me to pay over {$170.00} in late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Experian failed to respond to my dispute request that I sent certified mail - XXXX XXXX XXXX XXXX. 

2. Experian kept the XX/XX/2019 late for XXXX XXXX and XX/XX/2019 late on my credit report without providing a notarized investigation report. 

3. Experian provided a credit report and disputes document for the XXXX XXXX and XXXX XXXX XXXX instead. 

4. Experian has ignored my request as noted in my correspondence to them -for an notarized investigation report on several occasions. 

5. XXXX XXXX sent a payment history log. The payment log never charged a late fee for the months XX/XX/2019 or XX/XX/2019. I have never been late with this account. 

6. XXXX XXXX did not provide a payment log and I have never been late. 

7. Experian failed to provide XXXX XXXX and XXXX XXXX XXXX notarized investigation report. Therefore it must be that the disputed information on my credit report was inaccurate. Under 15 USC- 1681i ( 5 ) ( A ) ( i ) of the FCRA all unverified accounts must be promptly deleted from my credit file.
Product: Debt collection

A billing error first occurred on my Dillards/Wells Fargo Credit Card statement in XXXX of 2022. I placed numerous calls to Wells Fargo explaining in detail the error and was assured they would investigate and correct the mistake. After SIX MONTHS, still NOTHING has happened. I continue to receive incorrect bills with growing interest charges and fees- my bill is now {$140.00}! 

The details : in XXXX, 2022, the XXXX XXXX  accidentally charged my Dillards card for a subscription in the amount of {$27.00}. Subsequently, they issued a credit in that amount but Wells Fargo continued to charge me the original amount PLUS the erroneous interest/penalty fees. I have not used the card at all or shopped at Dillards since this problem occurred and I will not until it is fixed. They failed to contact the XXXX  and do the research promised, so I contacted the XXXX XXXX  myself and asked for a written confirmation that there are NO CHARGES due. I also asked them to report their error to the credit reporting agencies who have received negative information that may affect my borrowing ability in the future. 

I am extremely frustrated and have now sent a letter to Wells Fargo with my XXXX  receipts and am awaiting resolution.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to Experian on Date and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately 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 XXXXXXXX XXXX  XXXX delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Also these accounts are listed more than once on my credit reports!!!!!
Product: Mortgage

I purchased my mobile home in XXXX and secured a 20 year loan through Bank of the West. 

The area I live in is considered a flood zone and Bank of the West requires flood insurance for the loan. 

For many years, I was using a broker XXXX XXXX who purchased XXXX for the insurance. 

Almost from the beginning, I would receive automated notifications from Bank of the West they were missing flood insurance. 

My broker from XXXX, XXXX representatives, and myself would send emails and fax declarations. I would also go into local branch offices for support, but all they would do was say they would " contact someone '' at Corporate.

One year, the Bank of the West forced insurance onto my loan although I had purchased it. When that happened, I placed a formal complaint with CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX In XXXX, I received notice from XXXX that XXXX would no longer provide flood insurance. 

I did some shopping and found XXXX XXXX. 

I communicated with a XXXX XXXX and purchased what I believed was needed *before* my current policy expired on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX sent the new Insurance policy ( including Flood ) to the Bank of the West. 

On XX/XX/XXXX, I received notice from the Bank of the West they had not received Flood Insurance. 

On XX/XX/XXXX, XXXX XXXX tried to contact the Bank of the West to no avail. 

On XX/XX/XXXX, I sent the following attached letter through US Postal. I also emailed the Escrow Department that same day. 

On XXXX Thursday, XX/XX/XXXX, I received the very first non-automated email from XXXX XXXX stating saying explaining the coverage received was {$20000.00} and needed to be {$69000.00}. 

Although I will agree my *new* broker made an error in the coverage amount, I believe I am being penalized for a lack of communication as to what was needed. 

Their email to me on Thursday, m XX/XX/XXXX was the first non-automated email I received from the Bank of the West. 

And now you are penalizing me for a forced place flood gap that could have been avoided had the Bank of the West communicated with me when they first received the new insurance from XXXX ( before my previous insurance expired )
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was closed paid and XXXX balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.
Product: Credit reporting or other personal consumer reports

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 resubbed from an alleged identity theft, not later than 4 business days after the date of receipt, 1 HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM "
Product: Credit reporting, credit repair services, or other personal consumer reports

My Issue is that my credit score which access through my bank 's application show different figures than what a Mortgage company recently run my credit score as I'm applying for Mortgage, to more clarify the Issue, my credit score that I see on my XXXX XXXX APP SHOWS THAT MY SCORE IS XXXX ALSO MY SCORE WHICH I SEE ON THE XXXX XXXX APP IS XXXX AND THE SCORE I SEE ON XXXX XXXX  APP SHOWS XXXX BUT WHEN i APPLIED FOR MORTGAGE THROGH A MORTGAGE COMPANY CALLED XXXX XXXX XXXX THEY ADVISED ME THAT MY CREDIT SCORE IS XXXX THROUGH XXXX, THIS IS REALLY CONFUSING BECAUSE ITS ALMOST XXXX POINTS LESS THAN WHAT I SEE ON MY BANK 'S APPLICATION I REALLY NEED EXPLANATION AS THIS IS AFFECTING MY LIFE DUE TO THAT FACT THE MORTATGE COMPANY MADE ME STUCH IN FHA LOAN ONLY FOR CERTAIN AMOUNT THAT CAN'T QUALIFY ME TO FIND A HOUSE TO LIVE IN I REALLY NEED TO KNOW WHAT IS MY REAL SCORE IS THIS THERE IS A BIG GAPE BETWEEN WHAT THE BANK APPLICATION SHOWED ME AND THE MORTGAGGE COMPANY. 
IF I HAVE A PROBLEM ON MY CREDIT REPORT THEN I NEED IT TO BE FIXED HOWEVER IF MY CREDIT REPORT IS MATCHING WHAT MY BANK 'S APP SHOWS THEN I NEED A PROVE WHICH IS GOING TO HELP GET MY PREAPPROVAL OF THE MY MORTAGAGE RAISED AND CONVERTED TO CONENTIONAL LOAN
Product: Student loan

I have several student loans through Sallie Mae called the " smart option '' student loan. We have tried multiple times to consolidate these loans or get the payments lowered. As of right now they want us to pay almost {$600.00} per month which is not even feasible at the moment. We were at one point put into a program which lowered the interest rates from almost 11 % down to 4 % for 1 year and then down to 2 % for 1 year but we were only allowed into that program because the loan had defaulted. The loans have been paid for 3-4 years without missing a payment and they wo n't let us consolidate or lower the interest payment. The last person I spoke to told me that the only way they could help us with anything would be to let the loan go to collections/default. Of course then it would hit our credit and hurt other things leaving only one choice, to pay. For student loans only totaling {$36000.00} a {$700.00} a month payment is just a bit much. All we want is a fair rate and a fair monthly payment. Do n't get any student loan through Sallie Mae unless it is a government subsidized or unsubsidized student loan.