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

I noticed an authorized account that I do not know of on my credit report via Experian. Therefore, I started a dispute with them. I submitted a dispute with Experian on XX/XX/XXXX and was rejected due to a lack of supporting documentation. On XX/XX/XXXX, Experian requested that I upload supporting documents to verify my identity because this is an identity theft case. After countless attempts, I was able to upload the XXXX police report, which specifically stated that my identity was stolen, a copy of my driver 's license, and a bank statement. The company completed the dispute on XX/XX/XXXX, and they will not remove the account, and I wasn't provided with any reasons as to why they rejected my dispute. I contacted the company on XX/XX/XXXX because I wasn't clear on the dispute result and was having concerns related to their investigation. I spoke with a fraud specialist named XXXX, and she wasn't able to provide the investigation result on my dispute as requested. She also stated that " Since Experian is a third party company, the creditor ( XXXX XXXX ) do not have to provide any documentation to prove that it belongs to me so that it stays on my credit report. '' On the other hand, as a consumer, I had to go through hurdles to prove that my identity was stolen and still got rejected from the company without proper explanation. I've requested to speak to XXXX 's manager, XXXX, but she refused to transfer or connect me with him or someone who could help me better. She stated that she would request for her manager, XXXX, to return my call within 24 hours. Until today, no one from Experian has attempted to contact me via the number provided. Experian, however, sent out a generic email as a response without any further explanation as to why my dispute was rejected. My score for the other two credit bureaus is much higher because I do not have any delinquency. Because of Experian, I've lost a job opportunity, and it is preventing me from purchasing property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian today and asked that 18 hard inquiries be removed because they are unauthorized and was told Ill Be out on hold for a moment while she enters all this information into the system. That was over 30 mins ago and Im still on hold. When I called to complain and try again. I was again placed on hold, this time the man hung up. First time was female
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report I was shocked to learn I have been a victim of identity theft I found numerous accounts on my consumer report that wasn't opened by me I am in pursuit of purchasing a home please remove this from my consumer report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to remove the inquiries that were not authorized by me and was told to call the company who created the inquiry in which I have already done so. I requested the following inquiries be removed as it is erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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: Mortgage

- Loan origination in XX/XX/XXXX through XX/XX/XXXX with First Continental Mortgage Company - Principal and Interest payment - {$1600.00}. 
- Filed for loan modification, trial period XX/XX/XXXX through XX/XX/XXXX - principal, interest, taxes, hazard insurance - {$2000.00}. Paid trial payments and was subsequently approved for loan modification with new payment of {$2100.00} with the terms changed from 30 years to 40 years. All property taxes for XXXX paid. 
- XX/XX/XXXX through XX/XX/XXXX - approved loan modification payments at {$2100.00} for principal, interest, property taxes, and hazard insurance. Made timely payments. 
- XX/XX/XXXX - received a letter that property taxes increased, which in fact, property taxes did NOT increase. County and school tax records will show my property taxes at almost XXXX since the house was purchased. First continental mortgage ignored my information and insisted on increase. First continental mortgage increased mortgage payments to {$2700.00} and refunded escrow of {$4400.00}. Inquired about the refund, they stated all property taxes were paid and this was the overage and per law they couldn't keep that amount in the escrow account. Said I could put it back and ask for another escrow analysis to try and reduce payment. Decided to use money to help assist with monthly payments. 
- XX/XX/XXXX - Received a notification from MUD tax department that my property taxes of {$4200.00} were delinquent. Logged into account and see that a total of $ XXXX was paid to property taxes, indicating that all taxes were paid. Reached out to First Continental Mortgage informed them of the delinquent notice, expressed to them that I should not have to be penalized for a mistake they made. They paid the delinquent tax bill from my escrow account as opposed to taking accountability for error and their company absorbing the cost - XX/XX/XXXX - Received an escrow analysis stating my payments starting XX/XX/XXXX would be {$3500.00}. 

It is unethical for a loan company to increase mortgage payments in this manner for someone experiencing and constantly expressing financial hardship. The increases have created challenges and constraints of me meeting other financial obligations and has severely impacted my long history of outstanding credit. 
Going from {$2100.00} to {$3500.00} in a span of two years on one income, XXXX children, and other financial responsibilities does not reflect First Continental Mortgage responding ethically to my financial hardship. The loan modification from 30 to 40 years and paying twice as much from the origination of the loan is more than highway robbery, and should be more than unethical, it should be illegal. With or without the {$4400.00} refund they mistakenly gave me, this is detestable and threatens the ability for me and my children to have a home.
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit card or prepaid card

On Friday XX/XX/2020 i XXXX XXXX applied for a Apple Card backed up by Goldman Sachs Bank. During the application process i had to take pictures front and back of my driver license card. After i submitted the application i was given a notification message stating that someone from the application department had to speak to me over the phone. On Saturday XX/XX/2020 I called Goldman Sachs Bank to check on the application status and they told me that they attempted to call me to speak to me and i advice to them That I didnt received a call from them. They told me that they will attempt to call me again the next day. On Sunday XX/XX/2020 I gave them a call again to check the application status and they again told me that someone from the application department had called me. I again told them that no one from the application department had called me. I requested to speak to a supervisor and the supervisor advice me that she had spoken to someone from the application department and that they will call me again within 24 hours. On Monday XX/XX/2020. once again i didnt received a call from application department. On Tuesday XX/XX/2020. I received an email from Goldman Sachs Bank stating that my application was denied because they werent able to verify my identification. I am really angry at the situation because i didnt received a call from Goldman Sachs Bank application department so they can speak to me. Goldman Sachs Bank was claiming that I couldnt call the application department because they dont take inbound calls. My XXXX  credit report was pulled and resulted in a hard inquiry.
Product: Credit card or prepaid card

I have an excellent credit record. Usually, I schedule my credit cards payment ahead of time on the computer, to be paid on the due date. Back in XXXX, I schedule the payment of {$4500.00} to be paid on XX/XX/. On XX/XX/ I checked my bank account and found that the money was not withdrawn. This credit card bank has a problem with their website. I had a similar problem with them in XXXX last year. They recognized the problem, and I was credited with the late fees and interest. This time I called the bank again and explain the same problem. I paid over the phone immediately. The representative acknowledged the problem and told me to call after I will get a statement and they will remove the late charges and interest fees. 
I was upset with this situation and canceled this credit card. I have quite a few of them and never had any problems with the websites of other banks. 
On XX/XX/ I got the statement with {$39.00} late fees and {$73.00} interest fees, I called the bank and they refused to correct those fees based on " it was done ones in XXXX. '' If their website is not working properly why the customer must pay for it??? This is ridiculous!
Product: Checking or savings account

I would like to formally request a re-evaluation of the discrepancy in my cash deposit made on XX/XX/year>. Below are the details of the incident : Date and XXXX XXXX XXXX : XX/XX/year>, at approximately XXXX ATM Location : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Cash Deposited : {$6000.00} Sequence Number : XXXX, Term ID : XXXX Incident Description : During the deposit process of the {$6000.00}, the ATM initially attempted to return {$600.00}, indicating it couldnt read the bills. As I proceeded to retrieve the returned cash, a {$100.00} bill became stuck, and the access door closed before I could retrieve it. Consequently, only {$5500.00} was taken by the ATM. I immediately contacted Chases customer service, as prompted by the ATM, and provided all necessary details for a dispute.

Chases Investigation Outcome : On XX/XX/year>, I was informed that after an investigation, only {$4500.00} would be credited to my account, leaving a discrepancy of {$1000.00} from the amount I deposited. Chase claims that theres nothing else they can do.
Product: Payday loan, title loan, or personal loan

Someone opened account in my name unauthorized make account good standing delete balance
Product: Debt collection

XXXX XXXX I reached out to the three credit bureaus requesting the latest updated version of my credit report, after reviewing my credit profile I noticed an erroneous creditor ( XXXX XXXX XXXX XXXX jeopardizing the integrity of my credit profile, by law if the FCRA I have the right as a consumer to challenge any information thats does no appear to be accurate so I sent in a letter via asking that this information pleased be removed from my credit profile I sent the letter to XXXX XXXX XXXX XXXX, SC XXXX, after about 30 days XXXX XXXX to be exact I received correspondence and received confirmation from XXXX XXXX Bank stating this account will be removed, which was the resolution I had asked for, everything was good up until around 45 dats after the removal I seen a new account added back to my credit profile with a different Creditors name I challenge them and asked why was this information I just challenged recently in the past and had removed back placed on my credit report, they stated they now manages the old Creditors account under a new business name so when I challenged this issue with them they told me they will no longer reinvestigate and that the collection will remain on my credit report which is very unfortunate considering it only appears on XXXX of my credit reports which cant be 100 % accurate an as a Consumer that put me and my credit at great jeopardy. I have been going back and fourth with this creditor that I have no acknowledgment of and its not getting nowhere. I have invested time and money into this battle I have proof of USPS receipts, Im asking that you please remove this account off my credit report.
Product: Credit card or prepaid card

On are about XX/XX/2018, I purchased software from XXXX this was a straight purchase not reoccurring monthly billing in other words I purchased the software out right. 

To my suprise and without my consent or knowledge XXXX with the help of Citibank set-up my card for reoccuring charges. 

I never authorize XXXX to retain my credit credit information or consented to any reoccuring charges. I immediately reached out to Citibank and asked them to remove XXXX and several other vendors from doing reoccuring charges explained I never consent nor was it ever disclosed these companies were maintaining my credit card information. 

Citibank refused to remove the vehicle for vendors to do reoccuring charges told me I had to reach out directly to all vendors. 

Citibank is responsible for the privacy and charges on my account and refused to take any action to stop this practice. I reached out to XXXX whom claimed they had not knowledge of the account being set-up for reoccuring charges. 

I immediated emailed XXXX a copy of the statement showing where my Citibank account was set-up for reoccuring charges and they denied taking such aciton blame this on Citibank and refused to take any action. 

Therefore, I am reaching out once again to CFPB for consumer protection against the voliation of privacy and security.
Product: Credit card

I made a purchase with XXXX to purchase a product from bestbuy. I was charge the full amount for the product at the store by using my XXXX card. I contacted XXXX  to credit the amount back due to me paying at the store. I was told to continue making payments to prevent late payments until the funds are returned back to XXXX  from bestbuy. This continued for XXXX months. The loan was paid but I never received my funds back from bestbuy or XXXX XXXXhe store XXXX  was very rude and refused to help me. The store is located on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I requested that Performant call my cell number as a PRIMARY contact # However the representative called my home number. I am concerned that I will miss critical calls re : my payment status if the primary contact number is not used to contact me.
Product: Bank account or service

I was approved for Synchrony Bank Credit Card through XXXX, and i purchased some furniture items from XXXX on XX/XX/XXXX, to be delivered in XX/XX/XXXX, and called them on XX/XX/XXXX to cancel items worth {$480.00} way before delivery. Fast forward to XX/XX/XXXX, I made two payments in the amount of {$65.00} and {$160.00} and am trying to payoff my final bill and had to call Synchrony Bank. They told me I am responsible for {$1000.00}. They told me I had to go into XXXX store to settle this, so I went to the store and spoke to the Supervisor. After numerous attempts she and I made to Synchrony, we both got nowhere. XXXX has the information of me calling, but Synchrony is refusing to credit back {$480.00} back to my account evendors though I never took possession of those items. I spent 3 hours at XXXX with the Supervisor as she called and I called, getting transferred 8 times to different people, even the Dispute Dept did n't assist either one of us. XXXX went far and beyond to try to get this resolved with Synchrony Bank to no avail. I am so disgusted and disappointed with Synchrony Bank and I can only imagine how many people they 've done this to, it 's the principient of the fact and Synchrony Bank is taking advantage of us consumers, and this is totally WRONG!
Product: Payday loan, title loan, or personal loan

A loan went from XXXX dollars to now XXXX with republic fianance
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been on going with Experian for going on two years. Ive sent in letters and even did disputes online. The other two credit bureaus investigated these same two companies and they were removed. However, Experian will not remove and has blocked me from being able to dispute them anymore!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported and disputed to Experian about an account XXXX XXXX XXXX account number XXXX ( which is not a valid account number ), of the inconsistency and that this account is not 100 % accurate as required by the Fair Credit Reporting Act. Dates are inconsistent, and Type of the account. This account XXXX was reported as an ( Auto Lease ) which is incorrect the true account type is a ( Retail Purchase Agreement ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Purchased this account. Also the purchase date being reported is XXXX XXXX 2021 that is also invalid and is a violation with Fair Credit Reporting Act. The true date all documents was signed on is XXXX XXXX 2021 These are all inconsistency and Experian failing to do a thorough investigation is a violation of my rights with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a school loan with XXXX XXXX XXXX XXXX XXXX. I reported that the wrong account number is listed on my credit reports with XXXX XXXX, and TransUnion. 

I had several account numbers for some reason, and some were deleted due to sending debt validation letters to each credit reporting agency. 

On XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, I sent certified mail and debt validation/verification letters. They did not share how they verified/validated the debt with XXXX XXXX, as requested on my notarized letters. 

Excerpt from my notarized letters to credit reporting agencies. 

" Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified '' NOTE : I have 3 rounds of debt validation letters, with certified mail receipts, and the documents that I sent for review and support my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a dispute letter via certified mail to XXXX, XXXX and Experian asking to have all Billing Errors removed under 15 U.S Code 1666b and 15 U.S code 1681b. These errors are currently causing me hardship. 

The companies are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have remaining items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an FTC REPORT # XXXX. Ive already included these remaining items in my previous letter & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit card or prepaid card

I made a ticket purchase through XXXX XXXX, a third party airline ticket company. I tried to cancel within 24 hours. I called, emailed and tried to reach them through the 'contact us ' section of their website. I received no response until days later. They refused to refund me the money. I submitted all my documentation to Capital One. They said that I should have cancelled the booking. I told them that I tried to by emailing and calling them but nobody responded. Capital One refused to do anything else, refused to protect my interests and simply reinstated the charge.
Product: Debt collection

On XXXX, XXXX XXXX to my surprise I received a letter that stated that I had been served with a Continuing Writ of Garnishment and that they would be required to withhold a certain amount starting on XXXX XXXX, XXXX. In the court document, it states that an amount of XXXX remains unpaid to XXXX XXXX XXXX. I have no idea of what this is all about. 

I reached out to a paralegal and they told me to file for a hearing in front of a judge. I was also told to contact you and file a complaint. Then the paralegal told me to file for a hearing in front of a judge to stop the garnishment. 

I am the the head of household with a son and can not afford to have my check garnished for any amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Attempted to access my LEXISNEXIS consumer file but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from LEXISNEXIS to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to XXXX. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor.
Product: Credit reporting or other personal consumer reports

DEAR XXXX ; TRANSUION ; XXXX, AND CFPB ; There are 3 accounts that i been trying to dispute 3 negative items on my credit report such as XXXX XXXX, XXXX ; and XXXX that continues to report inaccurate, incomplete and erroneous. 

Plus Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.