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

In purchasing a new house with a new mortgage, I applied for and received homeowner 's insurance from XXXX XXXX, through an agent. I believed the premium was too high, but was told it was the best on offer, so I consented to the policy ( XXXX, XXXX ). 

I did not receive any written communication from the insurance company and paid the insurance premium during closing on the new house on XX/XX/XXXX. There was a delayed possession of the house because the original owners were not ready to move out, so they have rented the house from me ( and my wife, joint ) until XX/XX/XXXX. My mail was sent to that house and a neighbor collected it for me, so I did not see any mail from XXXX until XX/XX/XXXX. The letter provoking this complaint was postmarked XX/XX/XXXX and dated XX/XX/XXXX. It was postmarked from zip code XXXX ( Iowa ). 

Included in the very large packet of insurance information was a letter informing me of an adverse action based on erroneous credit reporting by LexisNexis, a company I have had no contact with at any point. 

The specific adverse action is, '' Based on consumer report data, the premium you were offered was not the lowest available fo the program applicable to your policy. '' The specific reasons were listed as 4 codes ( XXXX, XXXX, XXXX, XXXX ), all of which were either " insufficient information '' or erroneous. No attempt was ever made to contact me or my wife about these issues, other than this innocuous looking letter we received months after the adverse action. 

I immediately contacted my agent, who informed me he had no knowledge of this as he was restricted by privacy laws from receiving this kind of credit information. I then called the number for LexisNexis Consumer Center ( XXXX ) and listened to a fully automated set of instructions on how to obtain my credit report. There was no option to file a dispute, other than asking for my " NCF Reference #. '' This kind of bureaucratic run-around which takes much time and effort ( which my wife and I can not afford ) leaves me feeling there is no hope to get my rights respected and my credit restored to what it should be. I am being penalized by paying excessive premiums, and my agent informed me that switching insurance companies would make no difference as they all use LexisNexis. 

Another possibly relevant fact is that there was a massive security breech involving the S.C. Department of Revenue in XXXX, and I was advised by many experts to " freeze '' all access to credit reporting from the major agencies ( XXXX, XXXX, XXXX  ) which we have done and continue to do. This may be a reason LexisNexis had inaccurate information. It is not, however, an excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported me late for XXXX & XXXX of XXXX to the 3 major credit bureaus. I was not late. I disputed the adverse reporting multiple times & XXXX XXXX XXXX XXXX, has refused to update the reporting. The adverse reporting dropped my fico score thus preventing me from being approved for a home loan. I was late in XXXX of XXXX, but was told that the adverse reporting would not be reported due XXXX not reporting to the major credit bureaus from XX/XX/XXXX- XX/XX/XXXX due to a major system issue and update. 
Per the XXXX instruction page, " If you have concerns regarding information about your XXXX XXXX XXXX account, please contact our Customer Service team at ( XXXX ) XXXX. '' I've called 3 times, the 1st CS placed a dispute, ( this was in XXXX can't recall her name ) the second attempted to connect me to the credit maintenance dept ( XXXX XXXX but she was told " since XXXX couldn't report during those months they used another month even if I was current in that month and therefore they won't update the adverse reporting. I spoke to a manager ( XXXX XXXX who placed another dispute. She requested they update, XXXX of XXXX to reflect as late and the adverse reporting for XXXX to be corrected as, " paid as agreed. '' This is unfair
Product: Credit card

I was using a credit building app that links a secured credit card to your bank account, so you could only spend money that you have. 
I was trying to access the credit monitoring fubction of the app. So I inputted my personal details like name, DOB, SS #, etc. After that I was met with questions about my credit history from years ago, with the earliesr being from 2018. I am a XXXX XXXX XXXX right now, and the only credit history I have is when my mother used my credit details to try and build credit for me. But it was so long ago that she doesn't have all the data of those credit purchases, so I'm unable to complete that part of my account and is unaccessible by me, even though I'm on a paid subscription.
Product: Student loan

credit has been identified as FAILED TO PAY yet loan owner has NEVER sent a bill or notice of amounts, invoice or other invoice to advise repayment has begun.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau Equifax for the following hard inquiries that are inaccurate on my credit file due to me being a victim of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax Mortgage Services. Even after contacting Equifax multiple times, and contacting the individual institutions that have made hard inquiries on my credit file by phone and letters several times, they keep responding that the inquiries are accurate and will remain on my report for 2 years. This is unacceptable, i am a victim of fraud and identity theft, I have attached a police report from my local law enforcement verifying my identity theft as a victim of XXXX XXXX XXXX continuously attempting to open lines of credit in my name. Please have these companies remove their hard inquiries from my Equifax credit report immediately before I take the next level of action. Thank you! : )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly 30 days past due on the XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Product: Debt collection

I received a threatening collection notice letter from Afni Collections at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

They claim I owe {$1000.00} for an overdue XXXX XXXX XXXX balance. Pretty silly considering Ive never had an account with XXXX XXXX XXXX. I called and told them this. They were extremely rude and told me it was in my best interest to pay the balance. I refused and told them not to contact me again. 

They then sent me a second letter claiming theyd accept a discounted offer payment of {$600.00}. I called again and asked what type of money grabbing scam they were pulling and that this was a done issue as I DO NOT have an XXXX XXXX XXXX  account. 

Today I was informed that a collection account was reported by them to XXXX and is now on my credit report. I called XXXX and and filed a dispute through them as well as reporting them to the XXXX. 

Id also like for you to assist and ensure that they stop contacting me and remove the false collection account from my credit report. 

Thank you
Product: Checking or savings account

On XX/XX/XXXX, i received XXXX letters dated XX/XX/XXXX, from my Wells Fargo Bank that as of XX/XX/XXXX, they are closing my accounts. I called the phone # on the letter and after an hour and a half hold, the lady that I talked to said " that she could not tell me the reason '' and " that it was a business decision on the part of Wells Fargo ''. I was very upset, so i went to the bank and talked to the Branch Manager of the XXXX, XXXX. branch, XXXX XXXX. He essentially said the same thing, but he did try to call the same # that I did, and was on hold forever. I am a XXXX XXXX XXXX man who has been with that bank for over 45 years, and have an outstanding history of banking with them, and have lived thru over 4 transitions of other banks buying out the others. I also have extremely good credit with all three credit firms and am still working full time for XXXX XXXX of 47 years next month. This is very upsetting as Wells Fargo will not tell me their reason for this and says in the letter that " all decisions are final ''. I am devistated to think that I have to start over with another bank, after all these years and excelent history. I am asking your help into this matter. Sincerely, XXXX XXXX.
Product: Credit card or prepaid card

As part of my Bank of America Premium Rewards Credit card 's core benefits, I am eligible to receive {$100.00} in Airline Incidental Statement Credits annually for qualifying purchases. The first time I made a qualifying airline incidental purchase, the credit did not automatically post. I had to make 3 calls over a period of more than 1 month in order to get the credit posted. This is now the second time where a credit has not posted. I made an Airline Incidental purchase on XX/XX/21 and waited the " 2-3 weeks from qualifying for the statement credit to post to your account ''. On XX/XX/XXXX, I contacted Bank of America. A case was created and was told it would be resolved within 10 business days. I contacted Bank of America again on the XX/XX/XXXX requesting an update and was told it was still being researched. On the XX/XX/XXXX I requested a supervisor contact me and was told one would call me shortly -- no supervisor called me. On XX/XX/XXXX I contacted Bank of America again and have still not had a resolution. This should be an automated process and I am completely baffled as to why I need to contact the bank numerous times to receive a published benefit that I pay an annual fee to receive.
Product: Credit reporting or other personal consumer reports

Late payments not correct account has been closed for over a year still showing late payments for this year and last year when it got settled at the end of 2022
Product: Credit card

On XX/XX/XXXX I was charged {$120.00} by XXXX XXXX on my Capital One Spark Business Visa card. I had already canceled service with the merchant, XXXX, so I filed a dispute with Capital One over the charge. 

On XX/XX/XXXX I received a response from Capital One explaining that they had charged me for the amount again due to the merchant responding. The merchant 's response - however - was vague and didn't prove that the charge was valid. 

On XX/XX/XXXX I responded to Capital One providing what they requested - proof of cancelation, proof of the merchant 's cancelation policy, and a detailed description of why the dispute was valid and the charge was erroneous. 

On XX/XX/XXXX Capital One replied with a canned letter stating that my response to them " lacks all of the previously requested information '' so they had closed the dispute. It is clear that nobody at Capital One viewed the seventeen ( 17 ) page fax sent to them with all of the information requested along with proof that the charge was - in fact - erroneous and the dispute was valid.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Checking or savings account

- XX/XX/XXXX Unauthorized credit card payment of {$2300.00} issued from my XXXX XXXX  XXXX account to Synchrony Bank Credit Card as below : Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/XXXX Payment Amount : {$2300.00} Payee Routing Number : XXXX XXXX Bank Account Number : XXXX - XX/XX/XXXX Requested to stop another incoming unauthorized credit card payment from my XXXX XXXX XXXXXXXX account to Synchrony Bank Credit Card XXXX
Product: Credit reporting or other personal consumer reports

Went to a car dealership with a pre-approved loan offer to buy a car for which I already had a hard inquiry. The sales rep went inside the general managers office and made two hard inquiries on my profile without my knowledge/consent. I confronted them right away as I received the email from credit reporting agencies regarding this. The manager said upto 3 inquiries count as one and said there was a miscommunication. Also, told me that I can contact credit reporting agencies and have them remove the inquiry. Its been 3 months since I have been trying to get this matter resolved and neither credit agencies or the dealership have done anything here to help. I have made so many phone calls. So many emails but still no luck. I have spent almost 20 hours of my time on this for something which is not even my fault. Please help me here. After being so persistent, dealership told me that their corporate has sent out a mail to credit reporting agencies about this. I confronted agencies about this and XXXX said they have not received any letter. Equifax said that letter is a invalid method. Dealership has to login on their software to remove or send an online email. They all have been running me around. I am exhausted from this bad practice. Please help. 

Two inquiries in question are made on XX/XX/2023 in the names of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Prepaid card

I received an AMEX gift card that is worth {$100.00} from my employer and last week ( week of XX/XX/XXXX ), I tried to use it at the gas station, XXXX, and other retail stores in person but it didn't go through. I've tried researching online on how to use it and the general advice is that AMEX gift cards are basically unusable everywhere except a few in person and online stores. I don't want to have to go through a lot of steps to be able to use the value of the card. I would like to just convert this card to cash instead of guessing where it's going to be accepted.
Product: Checking or savings account

For numerous times, Citibank has claimed the phone number on my account doesnt belong to me and then asked me to receive a physical letter multiple times. Then now after providing the reference number, I am now being asked to recall the topic of a conversation I had a month ago and if I do not recall this meticulous topic, they are saying they will keep my account locked. I recorded the whole conversation.
Product: Mortgage

I am trying to refinance my mortgage through  XXXX   XXXX . My current mortgage is serviced by Seterus.   On  XXXX   XXXX ,  2017 I contacted Seterus  to request a payoff qoute. I was told that it could take up to 7 days.   I called seterus to follow up with the status of the payoff on  XXXX   XXXX ,  2017  And was told that the request had been cancelled. They stated that my account was in a review process and they would not send the quote until the review was complete, up to 160 days. Also they will Not give me access to MY mortgage account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX XXXX which is a fraudulent account off my report for the past few months. They removed it one time and then put it back. I received a letter from them asking for the identity theft report which I submitted with my driver 's license and utility bill which they insisted I do in order to have this information blocked. Once I did that they still refused to remove this information. I was able to get the other two credit bureaus to remove this information. I am so frustrated and aggravated with Experian.
Product: Student loan

I have been really struggling with Vermont Student Assistance Corporation on having my payments be accurately applied across my series of loans. Between the second half of XXXX and early XXXX, I made several payments to try to bring my balances down. Even though the previous month " statement dates '' had already passed by, they applied these payments towards a previous month, and towards just one loan - they did not count towards my XX/XX/XXXX due date. Effectively they just went towards principal and interest without effecting my monthly payment amount. I was able to have them re-apply the loans for that month luckily. 

Now, it is XXXX. I made a {$200.00} payment on XX/XX/XXXX. My typical amount due per month is {$470.00} and it is typically due on the XXXX of every month. The payment was deducted from my bank account on XX/XX/XXXX. When i log in to VSAC 's web portal, i am told that i still have {$470.00} due. The {$200.00} payment shows as having been made in a seperate section - but to what? How do i know which loan series it was applied to, and how do i know what VSAC expects as the remainder of my monthly payment now? Short answer : I don't. 

I have emailed and called them and have received two different amounts that will be due on XX/XX/XXXX. One representative told me i have credits this month of {$390.00}, meaning i have just about {$80.00} left to pay by XX/XX/XXXX ( i have this in writing ). That's extremely confusing to me because i know only {$200.00} has been paid. I do not know where the other balance paid is coming from. A different representative told me on the phone that I have {$270.00} left to pay ( which is what i would expect, as XXXX XXXX. 

All of this while their website still says i have to pay {$470.00} by the 14th. 

Every other time i make a payment towards a debt from another institution, if it's not the full amount for the month it will reflect in the online account how much i need to pay to satisfy the monthly payment requirement. I am so utterly confused as to how VSAC applies my payments. I have no idea what i need to pay to avoid being late or entering default now. VSAC representatives are utterly unhelpful and appear to not know what is going on, either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion dropped my credit score due to being added as a authorized user. The account has XXXX balance when reported to transunion AND has no negative history.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are all closed accounts. 
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 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX. XXXX XXXX # XXXX have 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 an 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: Debt collection

I am writing to dispute the late payments listed on my credit report. I have carefully reviewed the information, and I believe there are inaccuracies that need to be addressed. 
LOANDEPOT.COM LLC XXXX Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. 
I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 
I understand the importance of accurate credit reporting, and I trust that your investigation will lead to a fair resolution. I appreciate your attention to this matter and request that you provide me with updates on the progress of the dispute.
Product: Credit reporting or other personal consumer reports

IN REGARDS TO THIS ACCOUNT, THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 
The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 

The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that ALL XXXX credit bureus is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

These are the list of Account numbers that have broken privacy including the one above. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX