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

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern regarding the recent lawsuit filed against Experian, alleging that the company failed to properly investigate consumer disputes and reinserted inaccurate information into credit reports. 
consumerfinance.gov This issue has significantly impacted my creditworthiness, as I have experienced firsthand the detrimental effects of Experian 's inadequate handling of credit report disputes. The presence of incorrect information on my credit report has hindered my ability to secure credit, resulting in financial hardship and missed opportunities. 

I respectfully request that the CFPB take swift action to ensure that Experian promptly removes any inaccuracies from my credit report and provides written confirmation of these corrections. Additionally, I urge the Bureau to enforce measures that prevent the re-insertion of previously deleted erroneous information, thereby safeguarding consumers from further harm. 

Thank you for your attention to this critical matter. I trust that the CFPB will act decisively to protect consumers ' rights and financial well-being. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Contact info : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are allowing XXXX XXXX XXXX to report false information on my account, and is allowing XXXX XXXX XXXX to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have yet to receive my investigation results. I demand that these items be deleted at once from my credit report as this has caused XXXX
Product: Debt collection

I kindly request your adherence to the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to safeguard the rights of American consumers with respect to credit bureaus. In consideration of this regulatory context, I humbly implore Equifax to undertake the necessary actions to omit the following account details from my credit report : Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : Company that Acquired the Account : Date of Account Opening : XX/XX/XXXX Account Status : Closed Last Status Update : XX/XX/XXXX Account Type : Installment Status : Charge-off Balance : {$12000.00} Balance Update : XX/XX/XXXX Original Balance : Monthly Payment : {$0.00} Past Due Amount : {$12000.00} Terms : 1 Month Responsibility : Individual Account I emphasize that the account information attributed to XXXX XXXX was not prepared or generated by me. As outlined by the FCRA, which underscores the importance of maintaining the accuracy and fairness of individuals ' credit histories, I earnestly request your prompt attention and resolution of this matter. 

Your steadfast commitment to upholding the core principles of consumer rights within the domain of credit reporting is greatly valued. I anticipate your timely response and the necessary corrective measures required to address this situation appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for TRANSUNION, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc dated XXXX XXXX. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the letter that I sent to XXXX XXXX, and Trans Union on XXXX XXXX. More than 30 days have passed, and they have not responded yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by Equifax that my personal information was lost due to their data breach. This company needs to reimburse me for the charges they 've charged me for credit monitoring -- the reimbursement should include at least the period back to the date of the breach. Attempts to contact this company via phone are impossible -- they do not answer or the linese are busy. Emails are not replied to. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for XXXX and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain XXXX due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, I XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following inquiries are related to none of the aforementioned permissible purposes.

20inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

With my Business Platinum Credit Card through American Express I am promised a XXXX to XXXX ( XXXX per point ) value per point with my selected airline. After that I am also supposed to get 35 % of my points back on with flights booked thorough my selected airline. My selected airline is XXXX. XXXX XXXX does not allow amex travel to book directly with them. Because of that I am required to book directly with XXXX wait for the payment to post- then call AMEX to get the point adjustment. I have done this many times previously, I have had the card for almost two years now. This time an American Express representative is trying to keep my points and not give my 35 % points back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX I Didn't receive enough information to verify debt. Pursuant 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy, and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file. As a consumer I demand you remove the account. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) which comprehensibly state that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstance and no other and is in accordance with the written instruction of the consumer to whom it relates. Pursuant 15 U.S Code 1681a ( e ) which defines an ''investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc ...., who may have information of any items on the file which you will have to show me proof via affidavit of fact under penalty of perjury.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct number : XXXX Acct name : XXXX XXXX. 
Acct number : XXXX Acct name : XXXX Acct number : XXXX Acct name : XXXX XXXX  XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX XXXX XXXX number : XXXX Acct name : XXXX XXXX Dismissed Acct number : XXXX Acct name : XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX  XXXX Acct number ; XXXX Acct name : XXXX XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX number : XXXX Acct Name : XXXX XXXX Dismissal Acct number : XXXX Acct Name : XXXX XXXX XXXX As 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 writing instruction. 15 U.S.C 1681 C. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer repot containing any of the following items of information any other adverse item of information, other than rords of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s- 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 do not owe this company anything, I have disputed and requested validation and nothing please help
Product: Mortgage

My mortgage servicing company has repeatedly given me inaccurate information in regards to my mortgage loan servicing and loan modification package documentation. I contacted my servicing company when I fell behind on my mortgage payments. They set up an outlined repayment plan, and then waited 20 days to send a letter of acceptance which was 2 weeks past the due date of any payment plan down payment, so I missed the date and the subsequently, the plan was denied. I called back a second time to set it up again, and the CS rep miscalculated the repayment options, and then it was denied again. They then told me to submit a full modification package to see if maybe the modification would be accepted, but continue to be missing documentation and my loan is now in foreclosure. 
I have had the loan modified previously, and was unaware that they could not charge me a modification fee, but going through paperwork ... I was charges {$900.00} to modify the loan along with thousands of dollars worth of " misc fees ''. I also have several years worth of loan documents that are not currently available on my loan from its beginning ; 5 years of statements, payments, and tax records that can not be accounted for, as well as current years taxes and insurance bills that have not been paid and kept current. I have been billed by my local tax authority as well as my mortgage insurance company for monies due that should be paid from my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two cards with XXXX XXXX Bank. Both of them had limits in the area of 800 dollars. I used them very infrequently if at all as the interest rate was high for charge usage. In early 2019 I noticed a charge on both cards for annual membership which I did not agree to. I immediately contacted the company to cancel both cards. I was eventually transferred to customer relations or customer retention. The rep said if I kept the cards open I would not be charged annual membership fee. I have not used the cards but one bill showed up with the dreaded membership fee AND a late charge. I then received a phone call as to how I could get in the good graces of this rip off company. I again cancelled both cards and they reported me as a 30 day late.
Product: Mortgage

We have had issues with homeowner 's insurance, as we are in XXXX  on a XXXX XXXX Last year we found a company that would work for us and the escrow account wasn't high enough so we had to pay out of pocket and pay extra into escrow to cover this year 's premium. Although we had been paying as required and gave all the information about the insurance company to Mr Cooper and our account online said the payment would be made by XX/XX/XXXX Mr Cooper did not actually plan to do this payment. I had to call 3 times for a total of 3 hours on the phone, during which their agents were disconnected and never returned my calls. The same happened to my husband. Each time I called I was given different, conflicting information. They claimed they would call the insurance broker, which they did the second time I called, but they never made a note in our account as to who they called or the phone number. They asked the agent to call back at a number that doesn't receive incoming calls. Finally I talked to the 3rd representative and asked for a manager. She refused to transfer me, she said she was trained to handle situations like this. She said the payment was NOT set to be done by the XXXX even though other agents and the online account said it was scheduled. She also called our broker. They were refusing to issue a check to the broker even though it is all listed on our policy. When she finally agreed to do so the check was going to arrive in 3-5 days and would potentially be late. I suggested they overnight it at their cost and she refused. They had all the information but are not using the escrow fund for what it is supposed to be used for and not upholding their end of our contract which may cause us to lose our policy if this payment does not arrive in time.
Product: Credit card

My credit card company did same balance transfer twice which I never intended nor asked for. So, they charged me the transfer fee twice ( {$200.00} each ). Here are the details. 
XX/XX/XXXX : I applied for a Barclays JetBlue credit online with the intention of a one-time balance transfer of {$4000.00} from my existing XXXX credit card to this new card. I was asked about the details of the balance transfer which I provided promptly. I was told the transfer fee would be {$200.00} which I agreed to. 
XX/XX/XXXX : I acquired the new card online with a credit limit of {$6000.00}. I was asked again about the balance transfer which I provided. 
XX/XX/XXXX : I see two transactions of the same amount {$4000.00} posted in my account. There were two transfer fees of {$200.00} as well. I am stunned. 
XX/XX/XXXX : I called the JetBlue card care, they said they can't cancel it now and I should contact the XXXX credit card department. The XXXX department informs me that they are yet to receive any payment. 
XX/XX/XXXX : I saw both the payments posted in the XXXX account. I called them and they informed me that they can not cancel the payment. 
XX/XX/XXXX : I called the JetBlue department again. They said 1 ) they can't cancel the duplicate transaction, 2 ) they can't even raise a dispute, and 3 ) they can't initiate an inspection only put a note. When I asked them to file a complaint and give me case number, they initially refused. Then, I said I need that for my future steps. They provide me with one but said it is not a dispute complaint nor there is any guarantee that the matter will be resolved. 
I believe the Barclays JetBlue company was not transparent ( or did not provide me indications ) that I am putting in request for duplicate transactions. This is a clear misconduct from their part.
Product: Credit reporting or other personal consumer reports

Equifax is currently reporting the following companies tradelines on my consumer report that is passed the South Carolina 3 year Statute limitation for credit cards debts. XXXXXXXX XXXX opened XX/XX/XXXX - last payment XX/XX/XXXX - Charge Off XXXX XXXX opened XX/XX/XXXX - last payment XX/XX/XXXX - charge off XXXX XXXX XXXX - closed account - opened XX/XX/XXXX - I have done business with them and did not give them permission to be on consumer report.
Product: Credit reporting or other personal consumer reports

I woke up this morning to discover inaccurate accounts on my credit report, and Im absolutely baffled. I routinely check my report, and this time, completely unexpectedly, there were discrepancies. Hoping it was a browser glitch, I refreshed the page, but nothing changed. The inaccurate information stayed. Because of this, Im requesting a thorough review of the documents Ive submitted to ensure I dont have to deal with this kind of issue again.
Product: Mortgage

Upon reviewing my Escrow statement for the year, I was told that I had a shortage of XXXX dollars due to my home owners insurance. In XXXX of this year, I switched insurance companies and made the payment for my insurance out of my own pocket. I advised them on XXXX that the insurance and property taxes not longer be paid by them. I also asked that they close my escrow account as I believed that it was being miss managed and they were holding to much at anytime in the account. 

I never received any documents on this. When I questioned them on this over the phone they advised that they had sent it through USPS. They advised me to contact my Post Master General. It should be noted that all of my mail is scanned and I am sent a photo of what letters I am getting daily. I have received lots of letters from them asking if I want a HELOC loan but never received these documents. 

I then called them and the documents were finally sent to me via email, they stated that it they could not approve it because I did not have more then 80 % equity in my home from my original appraised value. 

Along with the homeowners insurance and my property taxes my mortgage company is charging me XXXX for a Rural House Fee. When I questioned them about this they stated that it was all part of a USDA loans. I have contacted the Missouri USDA loan office and they did not know what this charge was. 

On XXXX after I had switched insurance companies I sent them information on my new insurance policy. They then took it upon themselves to contact my insurance company and pay my insurance premium. I contacted them and they stated that they had been requested to pay it by the insurance company I advised them that the note that showed that I had insurance did not have a bill to which was left blank. 

After I expressly requested in a written message to the mortgage company for them not to pay my insurance they went against my wish 's and did it anyway. It should be noted that I paid my homeowner insurance in full for the next 12 months.
Product: Student loan

I recently had a baby and since then have been struggling to pay one of my Sallie Mae student loans that has an interest rate of 9.5 %. I have repeatedly tried to call and speak with a collection representative to lower my interest rate and possibly my montly payment. Up until this point I have made my student loan payments and on time. I simply can not choose between childcare and supporting my family or paying student loans. Sallie Mae has refused to work with me other than offering forebearence which I plan to use in the future when we have another child.