23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My Citi Dividend Card stopped paying cash back at a {$300.00} limit which it never had before and I received no notice of such change. I called representative and got no acknowledgment of additional funds due to this account. I saw where XXXX XXXX XXXX did the same type of thing and possibly XXXX XXXX as well. Just thought that I would raise a red flag on this card as well. Thanks, XXXX XXXX
Product: Mortgage

I got a collection phone call when I was in my car from my mortgage service company on the morning of Monday, XX/XX/year>. They said they had not received my XXXX mortgage payment yet and wanted me to make a payment. I pay using my bank 's online bill pay system and have done so for years. I really lost my temper with their collection people because I felt like they were being very condescending and not taking this issue of the missing payment seriously.

Later that morning I called my bank and the credit union confirmed the payment went out to NewRez on time, wasn't returned, and gave me a financial transaction tracking # of XXXX. I phoned NewRez. I spoke to XXXX XXXX XXXX NewRez who was helpful and opened a lost payment case with an internal # of XXXX. It's coming up on a week and I still don't know what happened to the {$1600.00} I sent to NewRez. 

I just got my statement for XXXX and they want double the normal payment plus late fees. I'm not sure what else to do. I feel like NewRez is constantly sending me marketing emails to cash out equity or refinance, but they don't bother to send me an update on my missing payment. As a mortgage servicer, they have all the power in our business relationship -- but I believe they are required by Federal regulation to promptly accept and document payments. I'd like an update on what happened, where my money went, and how they are going to fix their problems processing my payments so it doesn't happen again. Thanks
Product: Debt collection

SELF FINANCIAL/LEAD BA XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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 - XXXX XXXX Chapter XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested copies of my credit reports from all three credit bureaus, XXXX XXXX, XXXX, Experian XXXX and found numerous accounts had been opened established in fraud. I driectly contact the credit bureaus, all three and also directly contact the creditors and the collections agencies also reporting the fraudulent debt, I'm now reaching out to you in helps of expediting this issue and getting it resolved for. I have asked all parties involved to send me proof of these debts that are claiming to belong to me, XXXX XXXX. I have asked to get ip address, physical mailing address, statement/invoices, signatures, and signed contract and dates. Still I have not received anything back or any updates regarding this extreme matter.
Product: Credit card or prepaid card

In XX/XX/ I paid off the account in full and then capital one enrolled me into a Covid relief program I didnt agree to for 9 months the account was paid off in full and now it is suspended and they add {$27.00} per month to the balance claiming it is a Covid relief program I didnt enroll for and how is adding {$27.00} per month to a card with no balance Covid relief they need to remove my account from this program and remove the {$27.00} per month since XXXX to a XXXX balance I will not pay for something I didnt purchase or enroll in
Product: Mortgage

Obtained pre-approval on loan prior to searching for a home and was approved for FHA loan and XXXX XXXX informed me that he will need 60 days to close on FHA. 
XX/XX/XXXX offer made on property at XXXX XXXX XXXX XXXX PA XXXX and not expected to close until XX/XX/XXXX based on what I was informed. 
Provided XXXX XXXX and his team at Cross Country Mortgage everything they requested in a timely manner. 
During the 60 days timeframe sent multiple emails were sent to confirm on track and request status update. 
I was sent disclosures documents to sign in middle of XXXX. At the end of XXXX I was informed that the loan Originator XXXX XXXX had made a mistake on the initial disclosures statement, my interest changed and points were being added despite the purchase amount of the property did not change. 
I confirmed after getting the disclosures paperwork with the increase that this will not delay closing as I was renting and I had already provided my lease termination letter to my landlord. 
Closing was to happen on XX/XX/XXXX however one week before that I was informed by XXXX XXXX that we are not able to close due to the error he made in the original disclosures paperwork. 
So closing happened 1 week after original date, however even after closing I was contacted to provide additional information and they did not have all of the necessary paperwork to the settlement office as requested 24 hours prior to settlement date, the paperwork was submitted with a couple of hours to closing time.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX & XXXXXXXX XXXX Date of XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On Thursday, XX/XX/2019, I received an email saying that my email and home address had been changed on my two credit card accounts. I contact the credit card company immediately and spent an hour on the phone with them. They assured me everything was changed back and a restriction was put on my account. I asked specifically since I was on the phone right away that these cards would NOT be sent out. She assured me we caught it on time. I made sure BOTH the accounts were fixed and she said yes. Now 14 hours later I get another email from them stating that my cards were XXXX XXXX XXXX to the fraud address in Florida AND they charged my account a rush fee, {$16.00} each, for both cards on my account. I contacted them and told them and they act like they have no idea what is going on. I called XXXX XXXX and they said the only person that can stop the delivery is Capital One, yet they act like they don't know who to call XXXX XXXX to stop this delivery. I did my due diligence to try to protect my identify and they did nothing. I have been on the phone twice with them and they did nothing. I begged them to call XXXX XXXX to have this delivery canceled and they refused. They acted like they had no idea how to reroute a package when XXXX XXXX told me all they had to do was call and stop the shipment.
Product: Debt collection

Keep getting repeated phone calls from ERC out of XXXX, TN, phone # XXXX XXXX XXXX XXXX XXXX. 

I have blocked there number but they keep calling on different numbers. I have told them to remove my number but they say the do and start calling back the next day. I get at least 3 phone calls a day from this company. I have submitted my number to the do-not-call registry and they still call NON STOP at all hours of the day. 

They hang up the phone while I am mid sentence asking for more information about their company.
Product: Credit card

Chase XXXX XXXX XXXX card allowed a thief to change my password, address, and request/receive a replacement card to another state overnight. Closed that acct, opened another XXXX and in XXXX days the thief had made a change of address on the new card. Closed account completely. This all took place from XXXX XXXX.Thursday XXXX thru Tuesday XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim to inaccurate/fraudulent accounts appearing on my credit file. I was extremely upset when I found out that I had inaccurate/fraudulent accounts on my file. I immediately filed a dispute with the credit bureau in XXXX of 2021. It have been 90 days since my original complaint and I have yet to get my issue resolved. I have since filed a total of three disputes with no response from the credit bureau. According to the Fair Credit Reporting Act my issue is supposed to be addressed within a 30 day window. My consumer rights are being violated and I am suffering financial and mental stress due to the inaccurate/fraudulent accounts hurting my general reputation. I am being ignored by the credit bureaus and I know the Consumer Finance Protection Bureau is the governing body to the credit bureaus and will enforce that they are properly doing their job according to the consumer laws in place set by congress. I have attached the letters that was mailed to them over the three month span. I need all of the inaccurate/fraudulent accounts removed from my file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transcript as of XX/XX/2017 shows I was in school and took XXXX credits as required to quality for deferment/forbearance with late payments as a matter of law. Took classes online with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, Maryland XXXX. It is XXXX XXXX for XXXX XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.
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 XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX not showing on credit report, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not XXXX XXXX XXXX on credit report, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 the information is inaccurate.
Product: Credit reporting

I recently reviewed my Equifax Credit Report. I continue to view Inquiries made on my Equifax Credit Report that I do n't recall authorizing. Equifax continues to reply to my disputes regarding inquiries with a standard response EVERY SINGLE TIME. The response is the following ( Case number # XXXX ) " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, Please contact the creditor directly and follow their internal fraud procedures. Written confirmation has been mailed to you ' ''. This is contradictory to several of my previous disputes through XXXX regarding inquiries displaying on my Equifax Credit Report. The following are the case numbers with XXXX that Equifax did not reply with the standard response and had the inquiries removed, XXXX & XXXX. I am requesting that Equifax remove the following inquiries from my Equifax Credit Report ... .. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE SOL XXXX XXXX, XXXX ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In my complaint with CFBP # XXXX I SPECIFICALLY REQUESTED that Equifax not to reply with there standard response. Unfortunately Equifax continues to not honor my request and continue to damage my credit worthiness and credit score for knowingly and willingly to not COMPLY WITH THE FCRA. I provided evidence that Equifax has previously removed disputed inquiries without me having to contact the creditor. Furthermore, I have contacted the Creditors as Equifax requested and each creditor has told me " I need to CONTACT EQUIFAX ''. Please stop these delay tactics. 
If after the investigation Equifax believes that the inquiry are legitimate I demand that Equifax provide me the name of the Equifax Representative who conducted the Investigation and the name of the individual ( creditor ) that was contacted to confirm that the inquiry was legitimate. Furthermore, if such evidence exist I demand that Equifax send me a copy of such alleged documents so I can verify it 's validity.
Product: Checking or savings account

I had money in my account plus IRS deposits of {$1200.00} and {$5600.00}. I went to prison in XX/XX/XXXX and remained in custody until XX/XX/XXXX. in XXXX of XXXX my federal investigator retrieved my phone and wallet from my federal probation officer, which is when I became aware that my account had been fraudulently used. The investigator contacted chime by email several times and explained the situation, to which they stated they were sorry about the fraudulent activity but needed a power of attourney from her. This wasn't possible at the time. Since me release I have contacted chime and provided all the emails from the investigator along with documents from the sentencing judge stating my incarceration and length aswell as documents from the federal halfway house I am still in and a police report that I could only file once i got out, that states I was a crime victim of fraud. Chime has declined my fraud claim 4 times stating they found no error. There are a total of XXXX transactions amounting to over {$8100.00} according to chime Bank.
Product: Payday loan, title loan, personal loan, or advance loan

I have called several times to speak with representative and sent numerous emails to have my personal information such as my new bank account updated and they have refused to do this and have not sent me a confirmation that they have received my information and have updated my account information. They do not care about the consumer and have wasted a lot of my time that cost money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XX/XX/2022
Product: Debt collection

I put my XXXX  subscription on vacation, the customer representative for dish had no problem doing that for me I picked the time frame and he said I was all set. I go on vacation, while on vacation the person that was watching my house told me I received boxes from XXXX. When they opened them for me they found packing to send the XXXX  equipment back. When I contacted XXXX  the told me that they had canceled my subscription because I put it on vacation with out paying the current months bill which was not even due yet at that time. XXXX never contacted me to inform me of this before they canceled. Since it was canceled early they charged me a early termination fee which almost doubled my bill. Since I was not expecting that extra fees for something I did not ask for I was not able to pay the bill at that time so XXXX  sent it to collections. When collections contacted me I told them I was disputing this with XXXX  and was not going to pay them at that time. Several months later it appears on my credit report forcing me to pay it with out any notice or contact from XXXX  or the collections agency. I paid it immediately to XXXX. Then I asked collections to remove it from my credit report since I had paid XXXX  directly. They told me no, when I asked to speak to the department that handles there credit reporting they again told me no and that it was going to remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent, the below accounts have violated my rights : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX - Acct # XXXXXXXX XXXX - Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I applied for the SAVE program and nelnet received my application on XX/XX/XXXX and they have not processed it or provided updates. My payment was due XX/XX/XXXX for around XXXX dollars a month and my SAVE payment was projected around XXXX. I emailed and called several times to discuss my application or what i should do but would sit on hold for over 90 minutes and give up. My calls would also get disconnected after waiting a significantly long time. Given that i have to work to pay these loans back, i simply can't afford to sit on the phone for 8 hours a day hoping my call won't get disconnected or that i actually speak with someone. 

I believe this delay is intentional to force my default so that my previous years of payments go back to XXXX, knowing full well i can not pay XXXX a month so they ignore or delay my application and i suspect this is the case with many other borrowers. A month to review my application is absurd.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX  XXXX. Please remove this account immediately.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Credit Reporting Inaccuracies Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding inaccuracies present on my credit report. Despite multiple attempts to rectify the situation directly with Experian, the errors persist, prompting me to seek assistance from your agency. 

On XX/XX/2022, I discovered several discrepancies on my credit report provided by Experian. These inaccuracies include incorrect variations of my name, such as " XXXX XXXX, '' " XXXX XXXX, '' " XXXX XXXX, '' and " XXXX XXXX XXXX. '' Additionally, there are erroneous addresses associated with my profile, namely : XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX My correct name is " XXXX XXXX XXXX XXXX and the only accurate address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I have provided Experian with appropriate documentation, including identification materials, to support these corrections. However, Experian has failed to update my credit report accordingly. 

Continuing to report these inaccuracies not only damages my creditworthiness but also violates the Fair Credit Reporting Act. Despite my explicit requests, Experian has failed to address these issues in a timely manner. 

Furthermore, I do not consent to e-Oscar or any automated means of verification. I expect Experian to manually verify and correct the inaccuracies as mandated by law. 

I am seeking your intervention to ensure that Experian complies with its obligations under the Fair Credit Reporting Act and promptly rectifies the errors on my credit report. Additionally, I request that Experian provide me with an updated credit report once the necessary corrections have been made. 

Thank you for your attention to this matter. I look forward to a resolution that restores the accuracy and integrity of my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting

I was an XXXX. The company failed. It did not file bankruptcy but became insolvent and defunct. XXXX XXXX pursued me personally for a company debt. I tried to communicate with them on many occassions but they ignored it. They sent the account to collections and sued me. I hired an attorney. XXXX XXXX failed to substantiate their claim and the case was dismissed. Now they are still reporting the debt on my credit report. I submitted a dispute with Experian, but they will not take it off the report.
Product: Debt collection

I tried to resolve this situation with each company on XX/XX/year>, asking each company to remove these items from my credit report, which I am not responsible for. I was also affected by the data breach with the credit bureaus, and these agencies are violating your consumer rights by using false, misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them, but they are violating my rights. I am entitled to {$1000.00} for every violation I listed, and they either pay me or delete these accounts ASAP!