23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On multiple occasions, including most recently on XX/XX/year>, American Express placed a hold on my funds totaling {$350.00} without providing a clear reason. This has happened several times over the past week. Each time, I have contacted customer service, including calls requesting an explanation and the release of my funds. 
Despite my repeated requests, American Express has refused to provide a written explanation for these holds. I also specifically requested a refusal letter or any formal documentation stating why my money is being withheld, but they refused to provide one. Their representatives have only stated verbally that they are " unable '' to give me any written response. 
I believe this repeated withholding of my funds without transparency is unfair and potentially a violation of consumer protection laws. I am requesting an immediate investigation and that American Express provide a written explanation and release my funds as soon as possible. 
Actions Taken : Contacted American Express on XX/XX/year>, and multiple times last week, but no written explanation was given. 
Requested a refusal letter, which they also refused to provide. 
Filing this complaint due to their lack of response and unfair business practices. 
I would appreciate your assistance in resolving this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed that there were inquiries on my credit report that doesn't belong to me. I contacted Experian and they refused to remove the fraudulent inquiries from my report. I sent them cover letter, my ID, SSN, Bills, Police report. Fraudulent Inquiries_ XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX 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 & XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681c- 2 ( a ), and 605 ( b ). I am a victim of identity theft stemming from a data breach, and the accounts and inquiries listed below were opened or made without my knowledge or consent. 
XXXX Accounts to XXXX and Delete : XXXX. XXXX XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$44.00} XXXXXXXX XXXX XXXX  - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$430.00} XXXX. XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$760.00} XXXX. XXXX XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX XXXX Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$770.00} XXXXXXXX XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$770.00} XXXX. XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$3700.00} XXXX. XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$840.00} XXXX. XXXXXXXX XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$2300.00} XXXX. XXXX XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$370.00} XXXXXXXX XXXX XXXX XXXX  - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$370.00} Unauthorized Inquiries to Remove : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some incomplete and inaccurate things, according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report, it follows reasonable procedures to ensure the maximum possible accuracy of the information. 
I sent a letter asking them to reinvestigate the accounts listed below. 
1- ACCOUNT NAME : XXXX XXXX. ( ACCOUNT NUMBER:XXXX  2-ACCOUNT NAME XXXX XXXX XXXXXXXX ( ACCOUNT NUMER : XXXX 3-ACCOUNT NAME : XXXX. ( ACCOUNT NUMBER:XXXX
Product: Debt collection

fter receiving and reviewing my credit report in XX/XX/XXXX of last year I noticed a derogatory mark listed by XXXX XXXX XXXX XXXX XXXX. I've contacted and sent multiple validation request as well as filed complains using CFPB before. Each time XXXX ( XXXX XXXX XXXX XXXX XXXX ) Has responded with the same verification and the complaint has been closed although what they have CONSTANTLY sent is not what I've requested the amount on the statements are not what's reporting to the Credit Bureau nor is it VALIDATING the debt is mine. I have sent certified letters requesting that the debt be validated NOT verified, specifically I want a signed agreement between XXXX and myself AS WELL as a detailed list of services and expenses meaning WHAT SERVICE did I get on the alleged day and WHAT WAS CHARGED for the alleged debt as well as WHAT WAS PAID. They have provided a billing statement which DOES NOT prove that I'm obligated to pay them anything. They have reported delinquent information to the Credit Bureau that I am asking to be removed. I am unaware of how they obtained my personal identifying information without my knowledge or consent, and they have failed in providing the acceptable information proving they have the right to report such negative information. Therefore I am disputing the validity of this alleged debt. I've attached the letter that I sent along with the companies response to that letter, this IS NOT VALIDATING the debt is mine. I'm requesting the immediate removal!
Product: Mortgage

Dear : Sir or Madame, Re : XXXX - XXXX XXXX XXXX, XXXX, Al XXXX Re : CFPB Report Number : XXXX ( XXXX XXXX ) Freedom Mortgage purchase my home loan, which was past due and in default from XXXX XXXX. I was in the process of having my name and responsibility removed from the mortgage being carried by XXXX, due to fact the home belonged to my ex-spouse as part of the divorce settlement. Also, as part of the divorce settlement, I was to pay my ex-spouse the amount of the mortgage for 3 years, which I did and continue to do, with the hopes that she is paying the mortgage on time. 

By your company ( Freedom Mortgage ) purchasing a bad mortgage and then reporting to the credit agencies that the mortgage is past due and in default, your company has created an undue, unjustified and hardship burden upon me. 

Freedom Mortgage has been sued by the CFPB, XX/XX/2017 for consumer fraud and mortgage deception. My complaints to Freedom Mortgage regarding my mortgage and the issues involved with it, date back 3 plus years. 

The NJ Attorney Generals Office is reviewing the business practices of Freedom Mortgage. I have provided information regarding my mortgage complaint to both the New Jersey Attorney Genera and the XXXX XXXX XXXX 

Please have Freedom Mortgage stop reporting this bad Loan / Mortgage ; stop reporting the delinquencies / past due amounts and days to the three credit reporting agencies. 

v/r
Product: Debt collection

On XX/XX/XXXX I received a call from my neighbor stating that a server was at my door, I was confused so I got on Maryland case search and I saw that I had a case judgement XX/XX/XXXX and then reopen XX/XX/XXXX for {$520.00} the address listed is an address I have not lived at for over 20 years which tells me this is a debt from when I was a teenager and I honestly don't know what it is because it's no on any of my credit reports. This company as sent a garnishment letter to my previous employer and I really want to know what RIGHTS do I have for a debt that is well over 20 years old?
Product: Mortgage

In early XX/XX/2020 ( XXXX email correspondence was XX/XX/XXXX ), in response to an advertisement/solicitation to refinance from our current mortgage provider ( Home Point Financial Corporation ), we initiated the refinancing process based on the savings estimated by the Sr Loan Originator ( about {$500.00} per month ). 

We provided all the necessary information as soon as requested over the course of days and weeks. 

We received notifications of approval but, to date, HPFC has either been unresponsive or has taken so long to respond to our pending refi, that the same ( but updated ) information is needed. NOTE : We are current mortgage customers of HPFC is good standing. 

I'm not sure where to turn. We've escalated to a supervisor ( XXXX XXXX ) and nothing has progressed. We follow up constantly with barely any response and no resolution. 

The HPFC representatives we've had contact with include : XXXX XXXX Senior Mortgage Loan Originator Homepoint NMLS : XXXX Branch NMLS : XXXX XXXX : ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX Senior Processor Homepoint XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX - Processing Homepoint  XXXX : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, TX XXXX I am writing letters to executive management at HPFC to express our frustration. 

Please advise what else can be done to prevent this costly and sub-par level of service from continuing. 

Sincerely, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against Best Buy regarding fraudulent practices and mishandling of my credit card information. Below are the details of the incident : **Incident Details : ** - **Date of Incident : XXXX - **Location : ** Best Buy, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX **Description XXXX ** In XXXX, I visited Best Buy and was offered a discount if I applied for a Best Buy credit card. Despite clearly expressing my intention to pay for my purchase with my debit card, the cashier, who appeared to be inexperienced and possibly underage, illegally charged the purchase to the newly opened Best Buy credit card instead. This action was taken against my explicit instructions and without my consent to use the credit card. 

**Subsequent Actions Taken : ** - Following the incident, I immediately contacted Best Buy customer service and filed multiple complaints over the phone. During these conversations, I specifically requested that all communications be documented and preserved. 
- Best Buy acknowledged their error in charging the incorrect payment method and assured me that the credit charge would be rectified. However, despite their assurances, the charges continued to appear intermittently on my account, leading to confusion and frustration. 
- Furthermore, the erroneous charges have resulted in late fees being reported on my credit report, adversely affecting my credit score.
Product: Credit reporting or other personal consumer reports

EQUIFAX has allowed ( XXXXXXXX XXXX XXXX ) to put an fraudulent account on my credit report, This error is illegal and unethical. XXXX failed to an investigation The creditor failed to perform a investigation. This account is damaging to me and should be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date Opened>>>> XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Lexington law firm, didnt do anything they said they would do for me. They misleading me on anything about fixing my credit instead letter after letter came to me from creditors.
Product: Credit card or prepaid card

I have been a chase card member for several years and have always paid my bills on time. 

They closed my accounts without any consultation with me. I put some purchases on their for their insurance benefits and now I lost those. 

I am asking for the following 1 ) Either have my cards reinstated.

2 ) Or the annual fees on those cards refunded.
Product: Debt collection

I started working on my credit this year so i pulled my report and there was a collection account from Receivable Management Comp on my report. Ive sent in numerous letters for validation of this debt and have yet to receive a response. The debt owe is {$88.00}. I recently checked my Secretary of State website for the state of live in and this collection agency is NOT licensed to collect by law. This account needs to be deleted and removed from my report to report accurately.
Product: Student loan

On XX/XX/XXXX, I received my approval notice from the Borrower Defense  Application # XXXX, which said that my application was approved through the XXXX XXXX XXXXXXXX suit. In this letter, it indicated the college that I attended and my loans would be discharged, and I would receive any payments back to me in this notice. 

In XX/XX/XXXX, my student loan account should have been in Forbearance until my account was resolved. I received notice from MOHELA that payments were due in XXXX, and MOHELA took my account out of forbearance. 

I called the Borrower Defense in XX/XX/XXXX and they confirmed that my claim was approved and that information had been sent to MOHELA. 

I contacted MOHELA again in XXXX, and they indicated that they hadn't received that information. 

I then contacted the Federal Student Aid Information Center and made a complaint # XXXX. The Federal Student Aid confirmed again that my account should be in Forbearance with the XXXX XXXX XXXXXXXX case and confirmed that they sent this information to MOHELA again in XX/XX/XXXX. 

In XX/XX/XXXX, I sent MOHELA a copy of my written correspondence with the Federal Student Aid Information Center stating that my account should be in Forbearance and a copy of my approval letter electronically to their portal. 

MOHELA still took an electronic payment in XXXX. They escalated my account to a supervisor and skipped my XX/XX/XXXX payment. My account still needed to be placed in Forbearance. 

In XX/XX/XXXX, MOHELA processed another payment through my bank account through direct deposit. 

XXXX, XXXX I called MOHELA again, and they indicated they had not received several forbearance notices and indicated they would put my account on hold for payment. 

XX/XX/XXXX I filed a second complaint with the Federal Student Loan Office again, asking about the status of my account being in forbearance and asked about the XXXX XXXX  XXXX case. The complaint was complaint # XXXX. They stated again that they sent this information to MOHELA. 

As of XX/XX/XXXX, my account is still not in forbearance as it should be through the XXXXXXXX XXXX XXXXXXXX approval. I keep receiving delinquent payment notices from MOHELA and Federal Student Aid after repeatedly making complaints with both, making multiple phone calls, and providing information between the agencies. 

I just want my application through the XXXXXXXX XXXX XXXXXXXX case to be processed and for my credit to not be negatively affected by MOHELA not properly processing my application and my forbearance after being contacted on multiple occasions and multiple complaints having been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year and a half, I have been trying to get a completed copy of my credit file from Equifax. They will only send me a copy of the results from my dispute. They have refused to send me a completed copy of my credit report. I have called many of times informing various Equifax representatives that I am unable to access my report online. Only for them to tell me that there are no collection accounts on my credit file. I have asked to receive a complete copy of my credit file and was told it will come in the mail. It never came in the mail. My last call to them I informed them that XXXX XXXX is reporting 3 fraudulent collection accounts on my credit file. I was told by the representative that these accounts are not showing on their end. I believed them. They also told me that they will escalate a ticket to see why I can access the online report. It keeps telling me my information is not correct. Well, I was finally able to log in yesterday. The 3 accounts that were showing on XXXX  XXXX  are on my credit report and the Equifax representative all led to me when they convinced me that the XXXX XXXX report was outdated or incorrect. I feel that this is unethical and downright illegal to tell me its not on my file so that I can't dispute it as I did with the other 2 agencies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts that appear on my credit report which I do not recognize. I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} DEPT OF ED/XXXX {$0.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$11000.00XXXX XXXX XXXX XXXX XXXX {$8600.00} US DEPARTMENT OF EDU {$18000.00}
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. 

EACH BUREAU IS REPORTING DIFFERENT ACCOUNT STATUSES, DIFFERENT REPORTING DATES AND AMOUNTS/BALANCES
Product: Credit reporting, credit repair services, or other personal consumer reports

During an application for a business credit card with XXXX, a hard inquiry was performed against my Transunion Credit Report. The Application was later denied due to the bank being " unable to obtain a valid credit report ''. Which was later confirmed during multiple calls with XXXX. I have discussed the issue with the bank and the Transunion, each continues to tell me that they are unable to resolve the issue and to speak to the other party. 

XXXX has told me they do not provide " deletion letters '' in order to have a inquiry removed from credit reports, and Transunion has told me they are unable to submit " disputes '' on hard inquiries without the bank providing the deletion letter. 

During my last conversion with the Bank I was told to call Transunion in order to have the issue resolved ( told to do this on 3 different occasions ). When I called Transunion the last time I was told to fill out a report from the FTC.
Product: Debt collection

I was contacted by CBE Group via text message on XX/XX/2023. I have not authorized this company to contact me using text messages. The link provided in the text message to pay online was used in an effort to identify the debt. The link will auto-populate an account number and requests a secondary piece of identifying information ; either cell phone number or zip code. I tried both ways and both times I received a message stating no account could be located. I do not know this company, I do not owe this company, and their system clearly has no record of my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below :  XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I disputed this account several times with all 3 CRA 's I then received paperwork from the facility showing the debt clearly in someone elses name billed to me. I spoke to the bureaus individually, spoke of the proof and they still insist the debt was validated.????? Validated with the proof of another name, and I'm clearing stating it is not mine, your breaking laws on all levels. Hippa VIOLATION 15usc1681a ( i ) ( XXXX ) should only be discussed by consumer and facility. XXXX according to 15usc1681b no permissible purpose to place on a consumer report XXXX PRIVACY law broken. After pointing this out they still will not remove it. It is in XXXX XXXX XXXX  name. IS THAT ME?????? I want my money of {$1000.00} each for each violation. Damaging my report. Disputed XXXX