23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of account number XXXX XXXX XXXX on my credit report with Experian. I initiated a dispute regarding this account on XX/XX/year>, stating that I have never had a contract with this debt collector for any debt. I requested proof from the original creditor demonstrating that XXXX XXXX owns the debt and has the legal authority to collect it. However, Experian failed to properly investigate or follow up on my dispute. 

Additionally, I was recently made aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for alleged violations, including accepting unreliable information and failing to properly notify consumers of dispute results. This directly aligns with my experience, as Experian has neither corrected nor removed this inaccurate information from my report. 

This derogatory remark is negatively impacting my ability to secure a vehicle and job opportunities. I am requesting that this account be immediately removed or corrected as required by federal consumer protection laws. XXXX failure to take appropriate action violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this matter and expect a resolution in accordance with federal regulations. Please confirm receipt of this request and provide an update as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX of XXXX a total of {$5500.00} was taken out of the three accounts that I have with chime banking. I did not athorize and money to be transferred or withdrawn from any of my accounts nor was I notified of any of this.This money was taken over the course of several hours and transferred doing XXXX separate transactions. The money was transferred to cash app and then sent to XXXX separate people who I do not know or have never heard of On XX/XX/XXXX I spoke with a customer service representative XXXX and filed a grievance about the stolen money. I was told the investigation could take up to 90 days and that after 10 days there would be a ruling on a temporary credit On XXXX After my initial claim was denied I spoke with customer service representative XXXX who told me that they could reopen the case if there was new information and that I should go file a police report so I went to my local police department and filed a police report and sent that information to chime so that the investigation could be reopened On XX/XX/XXXX after being denied again on my case I spoke with yet and supervisor named XXXX and they explained that I should show my history of my XXXX XXXX  account for the date provided i then sent them screen shots of my entire XXXX XXXX  statement history for the month of XXXX there was not XXXX single transaction on that months history let alone XXXX of them On XX/XX/XXXX after being denied for a third time I spoke with supervisor XXXX and even she said she could not understand why this claim was being denied and then again she resubmitted it again she also had me resend the photos that I had taken of the card with the case number and the officers name and email on it for more evidence On XX/XX/XXXX after being denied yet again I called and spoke with XXXX XXXX who has now refused to resubmit my rebuttal to being denied because I have no new information or evidence to submit
Product: Credit card

XX/XX/23 till present, Purchase {$1000.00}. Package that needed signature was delivered but absolutely not possible since I was at work during the delivery notification came for this package that was signed with my name misspelt wrong on the app and possibly handed to the wrong person/apartment. I have proof and receipts that I was NOT able to be the one to sign it. I was at work when the package was delivered at XXXX as it shows in the attachments. I can use my job site as an alibi. I spoke to XXXX a dozen times, provided a valid police report, and so far dealing with a dispute with the store card carrier Synchrony. Spoke with leadership and said they'll provide a refund after verification identity, I did that, still nothing. They are giving me the run-around. 
Someone else took my package under my name. Documents listed below.
Product: Debt collection

On XX/XX/year>, an account with XXXX was opened in my name without my knowledge or consent with a balance showing of {$900.00}. I have told the company that this is not my account on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a new job. The company completed a background check. My mortgage company has reported me late XXXX for 5 months. I had requested a modification due to my husbands XXXX. It was to take only 3 months at the most. It took 6 months, as the mortgage company stated they need to start over. I made the newly scheduled payments on time or early as instructed by the documents I received. I have a payment history that shows I made my payments on time, yet the mortgage company shows them late. The mortgage company was XXXX XXXX, now called XXXX XXXX. 
In addition, XXXX XXXX is reporting to late accounts. Unfortunately I had to file BK. It was discharged XXXX/XXXX/XXXX. This should also not appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me transunion is ignoring me and XXXX its been 5 months nothing done still
Product: Credit reporting

Reporter to credit agency is XXXX. They inaccurately report rental property addresses on property that I own to be personal residences of mine. Makes me look like I have lived in XXXX different places, many times simultaneously. Have tried to dispute with Experian, and update failed to address the disputes. possible XXXX issue is XXXX reporting utility billings as loans, where credit limit is {$0.00} and balances are listed as greater than loan limit. 
At this time, these uncorrected errors are costing me thousands of dollars per year in property insurance costs as insurance companies ( XXXX and XXXX XXXX ) have begun incorporating credit score into premium rates.
Product: Money transfer, virtual currency, or money service

On XXXX amount of XXXX was sent through cash app. That transaction was then declined by the person receiving the money on XXXX XXXX cash app money would be back in my bank account on XXXX. The money was never sent back to my account.
Product: Debt collection

An account was fraudulently open using my information with XXXX & XXXX years ago. Police reports was filed and eventually got XXXX XXXX XXXX and the collection company they hired to removed the collection. Now I see again another collection company has attached this debt to my credit report. This is like the 3rd time Im having to fight to get this collection removed. How many times must I provided documentations and file complaints against XXXX XXXX XXXX to removed this debt
Product: Credit reporting or other personal consumer reports

I have no connection on those creditors listed on my credit report and did not initiate those inquiries.
Product: Debt collection

I get a phone call about every four hours I have it on my XXXX XXXX XXXX protect and its blocked they had continued her arrest me Ive asked him to quit calling me and please only contact me by email or by letter but they still continue to threaten me telling me that Im gon na be in trouble I should know better I sign in agreement and theyre gon na take my Social Security check out of my checking account
Product: Money transfer, virtual currency, or money service

Blockfi misled investors about how they were using my funds. Won't give me my XXXX XXXX back now I stored with them
Product: Credit card or prepaid card

Im a victim of identity theft someone got my Homedepot credit card and used it while I was really sick with XXXX I was down and out for over a year and more sick so Im now going over my account and report and seeing all of this.
Product: Debt collection

A collection agency I never heard of or talked to or got a notice from reported me to the credit bureau on XX/XX/XXXX over an amount of {$260.00}. The only way I found out about them is when I was looking at my credit report on XX/XX/XXXX. 

I called them and their costumer service were basically rude and misleading. They admitted that they never contacted me before and that reporting a collection on me was a way to get my attention. When I asked them to remove it from credit bureau because what they did does not even comply with the fair credit act that protects consumers, their response was the only way they can do that if I pay first and that they are doing thing legally based on the time they been on business. I am not even sure why I should pay an amount of {$260.00} and all my bills are current. I told them I can't pay for something I don't own. 

I checked review on XXXX  and other customers have the same issue with that company. 

This collection agency basically is hurting me because I was getting ready to get a home equity loan to renovate my house that is in a bad situation because of contractor fraud.
Product: Mortgage

Mortgage Company : Lower, LLC When I first contacted Lower, I asked if they offered no closing cost HELOCS. I was very clear that I was not looking for a HELOC that didn't require cash at closing ( closing costs folded in ). The man I dealt with throughout the process said they did. After we discussed the project, he recommended getting a second mortgage for a portion of the amount, with a HELOC as a backup in case costs went over the expected amount. This made sense because interest rates are going up and we proceeded with the process. I received several disclosures during the process regarding the mortgage, which included normal closing costs. I do not recall ever receiving any disclosures about the HELOC. Additionally, at one point in the process, I asked if I should increase the amount of the mortgage and not get the HELOC. The man I dealt with said I should just go ahead with the HELOC in case there was a need for extra money, so I didn't have to go through the loan process again. In hindsight, this seems to be motivated by collecting an additional loan fee. 
I was also told that payments on the HELOC didn't need to be made unless we used money, so I was surprised to receive a bill with an interest payment. The lending institution sent me a copy of the HUD, which we did sign, with the closing costs on it. This was certainly an oversight on my part. I didn't look at it closely enough during the closing, but I wasn't expecting surprise closing costs to be added. Additionally, the closing was very rushed, but that's another story. 
When I contacted Lower, they said the origination charges for the mortgage were waived, but not for the HELOC. This was never mentioned during the mortgage process.
Product: Checking or savings account

US Bank has assessed an unknown amount of fees on an account after the account holder 's death. They refuse to provide details about the account or refund the fees. 

My father was a US Bank checking account holder. He passed away unexpectedly on XX/XX/XXXX. Needless to say, I was very devastated. I contacted US Bank following my father 's passing in XX/XX/XXXX. I was asked to provide my father 's death certificate as well as my personal information to establish I am next of kin. I provided all of those items. 

US Bank then advised that Missouri requires a small estate affidavit to release the account. 
I contacted a probate attorney in Missouri who advised me that I needed the account number and balance to provide to the Court ( they need to verify the account and amount to ensure statutory compliance for small estates ). 
I was refused the account number by US Bank on claimed legal grounds, but never provided grounds outside of " policy ''. 
My attorney then advised that I was required to wait for the creditor claim window to close if I could not provide the account details. 

We waited until that window closed to file the petition with the Court. 

I received a letter on XX/XX/XXXX from US Bank indicating that they were charging " dormancy fees '' on the account. 

My attorney filed the probate petition in XXXX and I received the affidavit of XXXXourt allowing the funds to transfer on XX/XX/XXXX. 

After the petition was filed, I emailed U.S. Bank on XX/XX/XXXX to alert them the petition was able to be filed and request someone to address these fees on the account. I did not receive any response. 

My father 's account started at a balance of {$8100.00} in XX/XX/XXXX. 
As of XX/XX/XXXX, the balance was {$7600.00}. 
As of XX/XX/XXXX, the balance was {$7400.00}. 
As of XX/XX/XXXX. XXXX, the balance was {$7300.00}. 

I have requested a daily accounting of the account and a refund of any fees assessed by U.S. Bank. They refused to provide me any other account details, so if any auto-withdrawals were being taken following his death, I do not know and could not stop them. I requested dormancy fees be refunded, as it was US Bank 's own policies that prevented me from initiating " customer activity '' on the account. 

I requested all internal policies as well as legal bases for denying me the account I am unclear as to what was withdrawn from my father 's account following his death. They refuse to refund the fees, and refuse to cooperate to provide account details. They stated, contrary to any legal authority I could find, I was required to open a full probate estate. That would cost over {$5000.00} in attorneys fees. I have indicated that I will issue a subpoena ; however, they are refusing to provide any details or bases for their denial of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my files re reported 3 months too long cant wait no more especially if Im paying on credit builders to report I need a special reporting I can not wait until billing statement I didnt hesitate on my end neither should they. XXXX XXXXXXXX isnt reporting an account to XXXX im on month 4 I deserve a special reporting for the inconvenience. Experian hasnt updated a balance in months its supposed to be {$480.00} on all 3 bureaus the only bureau thats correct is XXXX. I have put XXXX screenshots to reference what XXXX XXXX is supposed to look like on all XXXX bureaus. Please report a complete file to both XXXX and Experian. I was looking to get another home soon and now I cant because my file is messed up no one should have to go through this and wait so long for it to get resolved. Ive wasted so much money buying credit reports checking to see if my accounts and payments would be report and they didnt this is very very unfair and unfortunate. Hopefully this can be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XX/XX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XX/XX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with XXXX, XXXX and Transunion & sent them supporting documentation. XXXX is still investigating the dispute, Transunion has failed to even acknowledge the dispute or open an investigation and XXXX has already completed the investigation and is refusing to remove the negative information because they say XXXX validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the XXXX XXXX XXXX. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.
Product: Credit card

I bought a ring which has a cost of {$13000.00} with Comenity Bank under a 12-month promotion period and I set up my auto-pay immediately with a monthly payment of {$1200.00} and did my calculation that if I paid out 12 times it would be paid out. 
I checked my checking account today and it showed I have paid 12 times already, but today when I logged in their bank system I still saw a balance of {$2900.00} remaining, and when I checked the payment history it showed there was a huge interest charge happened in XXXX, which is unwanted. I didn't expect the delay as I thought everything had been set up already well and I didn't get any forms of notification through phone, email, or mail on the statement or warnings. I realized the bank starts to charge me last year 1-2 months after I bought the ring ( contracts started on XX/XX/year> but the payment cycle started in XXXX ), and the XXXX payment is a split of {$1200.00}. I don't know why there is such delay or split but I set up my autopay with a fixed payment amount of {$1200.00} right after I got the ring. 
This is a huge purchase and it's crazy the bank plays on this. I called them and explained but they are very firm on it but it's not just my fault, why there is no notification at all on my email or phone? I got a very consistent monthly payment but the bank made the delay for the first 2 months and split my setup payment. It should be paid out within 12 months but they did it and no warning or notification reached out to me in any form. I need to dispute about it.
Product: Debt collection

I requested that a comment entered on my credit report at each of the XXXX credit bureau that I disputed the debt. The entry was made at XXXX and XXXX, but not XXXX. I applied to rent and apartment at XXXX different locations in XXXX, FL and my applications were denied for rental. I found out that the apartments pulled my credit report from XXXX. I believed that I was denied the opportunity to rent because of the dispute not recorded. I also lost {$120.00} fee for the background check.
Product: Debt collection

I received a letter on XX/XX/2018 from Stoneleigh Recovery Associates for the amount of {$280.00} for a medical bill I phoned this company the same day around XXXX XXXX to explain to the collecter that my medical insurance at the time should have covered this bill. I also explained this debt has been bounced from two other agencies. When telling her the SOL is up on this debt she threatened me by saying it will go on my credit. The hospital I received treatment at did not fill out insurance correctly or send me a bill. Stoneleigh provided no options and expects me to pay a debt I shouldn't owe. I also told the collecter I will contact my insurance at the time and they will handle the bill, I was told that wouldn't work Which is a lie. I also asked for the hospital information which the collecte refused to give me. Her excuse was " They cant do anything about it '' I didnt ask that i asked for the information
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX   XXXX  {$640.00} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX  XXXX  failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX  XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX   XXXX  is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX  XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are in violation my consumer rights. I sent a letter on XX/XX/XXXX. Explaining how my consumer rights were violated pursuant to the Fair Credit Reporting Act [ 15 U.S.C. 1681b ] Permissible Purpose of consumer report. I did not give any of the above-mentioned companies the authorization to furnish my credit report and I am demanding the removal of all the unknown collection accounts that I have listed in the attached letter. Also there is no information regarding where the fraudulent collection accounts are from which is a violation [ 15 U.S.C. 1681s-2 ]. Responsiblities of furnishers of information to consumer reporting agencies.These accounts are sitting on my credit report without any proper validation and no consent from me as the consumer and natural person. Please delete the unknown and fraudulent collection accounts immediately.
Product: Debt collection

I tried to contact credit bureaus ( XXXX, Experian ) to have them remove this paid debt from my credit report and it still remains. I contacted the debtor but was told they can not remove from my credit. I feel it I paid for this debt in full is should be removed with no problems. I have reached out to all credit bureaus and they wont budge.
Product: Mortgage

I contacted Wells Fargo mortgage on XX/XX/XXXX regarding my existing loan modification loan regarding the maturity date of XX/XX/2052 with XXXX payments remaining. I have been paying on this loan since XX/XX/2013 so it doesn't make sense to me that I still have 30 years left on this loan. Plus I found out that 73 % of my payments go to interest! The math doesn't add up to me and I would like this explained to me. One of their reps promised he would call me back but never did. I feel like I am getting the run around and no one wants to help me. He was going to transfer me to their home preservation department but they refused to take my call. I just want to make sure I am not over paying on my mortgage and that I have the correct amount of terms left. I had to stay on top of getting this loan modification since it took 2 years to approve. During that process they assigned me to numerous reps and then said I missed deadlines and had me start the whole process all over again. Also while going thru this process they would send me monthly foreclosure notices. It was a very stressful time for me.