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

I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in XXXX, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. 

Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. 

Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. 

Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. These include : XXXX XXXX XXXX  ( Account ending in XXXX ) {$22000.00} ( Reported on XX/XX/XXXX ) Account ending in XXXX {$32000.00} ( Reported on XX/XX/XXXX ) XXXX XXXX  XXXX ( Account ending in XXXX ) {$1100.00} ( Reported on XX/XX/XXXX ) Additionally, I have noted the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have never provided permissible purpose for these inquiries, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.
Product: Mortgage

The insurance copy of the inspection is different than the original one made by the inspection company ( XXXX XXXX XXXX ) / Mortgage deed changing from mortgage companies to mortgage companies which was discovered by the VA. LOAN GUARANTE OFFICE we have a copy of this/ Have real house inspection and fake inspection given to insurance company Been trying to get reinspection papers but was told no one knows where it is or was there ever one as was told by VETERANS UNITED WHO TOLD US THAT WE PASSED THE INSPECTION AND WAS CLEARED TO MOVE IN WE'VE BEEN TRYING TO WORK WITH EVERYONE INVOLVED ( We've Researched and been helped and have more information if needed ) DIFFERENT LOAN NUMBERS VERY CONFUSING CHARGED MONTHLY INSPECTIONS ( CONFUSING )
Product: Mortgage

To reduce our monthly mortgage and possibly access an equity line of credit advertised by our servicer 's lender affiliate, XXXX, I started the process of cancellation of PMI by contacting the mortgage service, LoanCare, and asking they send me instructions in XX/XX/XXXX. Having not heard anything, I called LoanCare on XX/XX/XXXX and they emailed me an electronic copy of a letter dated XX/XX/XXXX ( which I never received in the mail. ) Following the instructions in the letter on how to cancel PMI, I sent a check to LoanCare to pay for the needed appraisal of my home in the amount of {$520.00}. My bank statement shows that LoanCare cashed the check ( XXXX XXXX, Check # XXXX XXXX on XX/XX/XXXX. Having not heard from LoanCare since XXXX, I tried to get a status update earlier this month. I called multiple times, and spent several hours, calling on XX/XX/XXXX and XX/XX/XXXX, the toll-free number ( XXXX ) printed on the XXXX letter. The toll-free number continuously looped through a series of pre-recorded prompts and account information, like my last mortgage payment amount and my next payment due date, none of which had anything to do with cancellation of PMI. There was no PMI option. When I followed the prompts for options like refinancing or filing insurance claims, knowing they were not relevant but wanting to at least hear the voice of a live person on the phone who could help me, these XXXX live operators ( including XXXX in refinancing and XXXX in Claims ) " transferred '' me back to the servicer, LoanCare, or gave me other toll-free numbers for LoanCare ( including XXXX and XXXX ). The transfers and trying additional toll-free numbers sent me through the same continuous loops of pre-recorded prompts and account information with no options for PMI. After several frustrating hours, I gave up trying to get a status update on my PMI cancellation request.
Product: Credit reporting or other personal consumer reports

Attached are letters that I sent to the Credit Bureau informing them that the according to the Statue Of Limitations, the debt should no longer be reporting on my Credit Report, but it is and it's lessing my chances of Refinancing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information See attachments for proof .Accounts not mine. XXXX XXXX potential negative Date opened XX/XX/XXXX balance {$290.00} status Collection/Chargeoff. 
XXXX XXXX XXXX potential negative date open XX/XX/XXXX balance {$150.00} status Collection/Chargeoff. 
XXXX XXXX XXXX potential negative date opened XX/XX/XXXX balance of {$150.00} status Collection/Chargeoff. 
XXXX XXXX XXXX potential negative Date opened XX/XX/XXXX balance of {$400.00} status Collection/Chargeoff. 
XXXX XXXX potential date opened XX/XX/XXXX balance of {$2400.00}. status Collection/Chargeoff. 
XXXX XXXX XXXX potential date opened XX/XX/XXXX balance of {$4600.00} status Collection/Chargeoff. 
address XXXX XXXX  XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX texas XXXX. 
Names XXXX XXXX
Product: Vehicle loan or lease

Company changed status to repossession after dispute of balance was sent the vehicle was not repossessed vehicle was paid off by insurance company do to a total lost there for the company is knowingly reporting false and incorrect information to my credit report which is a violation of my rights they have never provided any proof of vehicle being repossessed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has once again added a negative remark to my credit report after removing it 3 times no w. I have filed complaint after complaint with CFPB regarding this matter with XXXX XXXX. XXXX will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. I need this to be removed. I have proven over and over again that this remark is not accurate. XXXX has provided me numerous apology letters stating this information is not accurate, and then they remove it. I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. Thank you
Product: Debt collection

Discover collection unit keeps on calling me after I have told them repeatedly to take me off the calling list. I have nothing to do with the debt that is owed.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XX/XX/XXXX 60 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 30 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

For the past 14 months prior to XX/XX/2019, I consistently paid my Ally auto insurance on time to increase my credit score, usually paying more than the monthly amount. In XX/XX/2019 I thought that my payment had already been made. I didn't realize that the payment didn't go through until I noticed a 30 late mark on my credit score. The balance owed wasn't a full month due to the previous months over payment covering a portion of what was owed for the month. This was exactly 3 days after the 30 day mark. I immediately called Ally and made a payment of {$1000.00} immediately which is over 2 months worth of payments, I also filed a reconsideration request for the 30 day late mark in hopes they would remove this in good faith. In my reconsideration I offered to pay a fee to have this removed or even pay the entire balance off incase this was an incentive to have this removed from my credit. After over a month and several calls with various customer service reps I was finally denied by a customer service rep and still have never been allowed to speak with anyone that makes the decision in this entire process. I was not late due to lack of funds which I can prove with bank statements, it was a simple mistake that I need reviewed as the drop in my score has now made me ineligible to secure a home loan. This lender is notorious for ignoring consumer requests like this and reading on numerous consumer reports, they typically ignore requests unless letters are sent directly to the CEO.
Product: Credit card

Synchrony XXXX for JC Penney Credit Card account XXXXXXXXXX ( XXXX ) and TJX XXXX XXXX XXXX XXXX and XXXX ) and XXXXXXXXXXXXXXXX SYNCB/BP ( XXXX ) reported to the XXXX credit reported to XXXX, and XXXX that I was 30 days late during various times in this loan. Payments have always been paid at the same time through my bank account. I reviewed several complaints through multiple sites about other consumers were having the same issue during this same time frame with Synchrony. I also believe there was a lawsuit against Synchrony from other consumers regarding this. It almost seems as though they had an internal problem, but pushed it on the consumer. I ask Synchrony to remove the 30 day late my above accounts on XXXX, and XXXX. As I believe this was an error on XXXX side. please remove the late notification from my report. I thank you in advance for your assistance and refund any additional interest that was charged to my accounts.
Product: Mortgage

This is in regards to complaint # XXXX. I do not feel like Caliber Home loans has responded in a proper way with correct details, also they completely ignored the fact that the lender completely misled me as a customer. On FHA Mortgage 's it is required to collect all insurance in an escrow account, therefore they should have collected windstorm at closing. If they did not collect it at closing then they are implying it is not required and is therefore optional. For example if my property was located in a flood zone it would be required that I escrow flood insurance. If my property was not in a flood zone you would not require that I carry flood insurance and nor would you require me to escrow it. By that reasoning since Caliber did not collect Windstorm in my escrow account it either means one of two things which is that it is not required for me to carry windstorm or that it is not an FHA mortgage. Besides the FHA guideline issue that Caliber is ignoring, the mortgage lender that I dealt with directly clearly misguided me when it came to what my mortgage would cost. He should have known that this would happen, if he didn't know then how can he handle mortgages? This individual knew that my mortgage was going to be higher than what he quoted me but clearly hid it!
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 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
Product: Checking or savings account

I have been a member of the Boeing Employee Credit Union since XXXX. I received a call on XX/XX/XXXX, from the fraud team requesting a call back before I used the current debit card on the account.

Since my debit card has been changed 14 times in 14 months, I assumed that fraudulent charges were once again occurring on my account. Every three weeks I needed to change all of my auto pays. I have every alert notification selected on this account including international and received none. All of the fraudulent transactions on this account have been International. I do not do business with international businesses.

Because of all of the fraud via debit cards I decided to use my checking account for purchases on XXXX. XXXX informed me that my checking account was refused by XXXX and I could not use the checking account to make purchases. 

Apparently, BECU refused payment of a check to XXXX XXXX back in XXXX. I am working with a collection agency to resolve that issue. 

I was told that BECU was closing my account after 45 years. A teller told me I had to go to the main branch in XXXX to close the account in person. I opened an account with XXXX XXXX XXXX. I went to the bank on Saturday the XXXX to close out the account and was refused funds. 

All of my auto pays were denied regardless that funds were available in the account. I have yet to received written communication from BECU as of today, XX/XX/XXXX. 

My account status at BECU is now - {$29.00} for a transaction that occurred on XX/XX/XXXX. I went to XXXX to see a XXXX friend. Twenty-one days to process a transaction. Seriously!

I have an insurance policy that Ive been paying on for approximately three years and is associated with this account. This policy is voided when BECU closes the account.

I was told I would receive an appeal, yet again, Ive received nothing from BECU.

Substantial financial harm has been done. I am a single person since XXXX, had A+ credit rating until now. 

There seems to be something going on at BECU, I am not sure this is an attempt by BECU to cover up an internal employee issue with the need to change my debit card every three weeks for the past 14 months or if there are serious system security issues.

Thank you for your time and consideration. 

XXXX XXXX XXXX
Product: Debt collection

Reporting agency has not sent validation of debt after being requested on several occasions. The reporting agency does not own this debt, it was purchased 3rd party. The reporting agency is reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  New name for  XXXX   XXXX  but it triggered a lower credit score
Product: Debt collection

I have no idea of what this company does. I XXXX the company and it 's a tanning salon. I have no knowledge of this. This is identity fraud. I
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a creditor that will not remove a collection after the statue of limitations. 
Jared jewelers Opened in XXXX Have spoken with company and claimed it would be removed in XX/XX/XXXX. It still stands on my credit report.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent US {$85.00} to my niece XXXX XXXX XXXX who lives in XXXX, on XX/XX/XXXX. The total of transaction including the service fee was {$89.00}. I made the transaction in the morning and my niece went to pick up the money in the afternoon the same day. I have sent money to my family through XXXX multiple times since 2010. 

When my niece went to pick up the money, she was told that the transaction appeared on the computer as " complete ''. She immediately contacted me via XXXX to let me know the issue. We verified that the transaction number ( # XXXX ) was correct. 

I called XXXX the same day, then the next day. They told me they'll investigate the issue. For the next days I wasn't able to call XXXX because I went to XXXX and wasn't able to use my phone for international calls. For the next days I sent XXXX emails multiple times asking for an explanation about this money. They responded that they were investigating the issue. 

Two weeks later, I received an email informing that the investigation was completed and that the money was picked up and the case was closed. 

I called XXXX the same day and I asked them to send me proof that my niece received that money. Also, I suggested to investigate the case with the personnel that handle the money that is picked up in XXXX. I'm from there and I know how fraud and malicious activities can easily be done by people that work for companies. Also, I requested to speak to a manager or someone that could help me. So my call was transferred to a supervisor and she told me they'll investigate further. That was last Monday. As of today I haven't received any response about this situation nor the money back. 

I have proof of multiple transactions for bigger amounts for years!! Your help will be greatly appreciated. 

My name on this account is XXXX XXXX ( my married name ). I have divorced a long time ago and requested a change of name and address but for some reason it appears again as XXXX XXXX. My maiden name is XXXX XXXX XXXX
Product: Vehicle loan or lease

Failure to Disclose Notice of Sale and GAP Insurance Credits by Flagship Credit Acceptance I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding the refusal of Flagship Credit Acceptance to provide essential disclosures related to the repossession and subsequent sale of my vehicle. Despite my repeated requests, Flagship Credit Acceptance has failed to disclose the following critical information : 1. **Notice of Sale** : The lender has not provided the required notice detailing the sale of the repossessed vehicle, including the sale price, as mandated by applicable state laws. 2. **GAP Insurance Credits** : I have requested information regarding any amounts credited from my Guaranteed Asset Protection ( GAP ) insurance that were applied towards the sale price of the vehicle and the remaining loan balance. This information is crucial for understanding my financial obligations following the repossession. Under California law, lenders are obligated to provide a detailed accounting of the sale of repossessed vehicles, including the sale price and any credits from GAP insurance [ [ 3 ] ] The lack of transparency in this matter not only violates my rights as a consumer but also undermines the regulatory framework designed to protect borrowers from unfair practices. I urge the CFPB to investigate this matter and take appropriate action to ensure that Flagship Credit Acceptance complies with its legal obligations. The failure to disclose this information is detrimental to my financial well-being and may constitute a violation of the Consumer Financial Protection Act.
Product: Credit reporting or other personal consumer reports

I was applying for a job, part of the hiring process was a background check. My employer told me my background check came back with no " social security trace '' I called Experian to get this issue resolved on multiple occasions. I was on the phone XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to get this issue fixed, as well as possibly some other days. 

Experian told me that there is a data quality issue called a " split pin. '' They have said multiple times that they would put in a service request for me 3 separate times. This is still a recurring issue, the service request has done nothing.

I have asked for a manager 3 separate times and been denied. I have asked for a notice in writing that I would be helped and what was wrong, this was also denied. 

Today, a utility company couldn't find my credit history, so I was denied. Experian 's inadequacies are affecting my ability to apply for housing and jobs.