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

In early XXXX, XXXX, XXXX XXXX of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  reached out to advise that my student loan was past due. He told me that the loan was with ECSI/Heartland . He also advised that I pay it off by XX/XX/year> to avoid the loan going into delinquent status. So I paid it off by XX/XX/year>. I paid {$3000.00} on or about XX/XX/year> and the remaining {$230.00} on XX/XX/year>. Nevertheless, ECSI reported this as unpaid. It is still reporting as unpaid and now all three credit reporting agencies are reporting this as unpaid, when I paid this almost a month ago.
Product: Vehicle loan or lease

On XX/XX/XXXX, I took out a car loan with credit acceptance. I had just had a baby and needed a three-row vehicle. I fell behind in the payments and have been paying, with reoccurring automatic payments, a specified amount each month. But since my payments are so high, I am only able to put {$XXXX} per month towards my arears. Because of the high interest rate and nonnegotiable terms, I am unable to get caught up or even close to breaking even. At this point, the car will be long gone before I am close to paying off the loan. 
The high interest rate and cost of the vehicle at the time of purchase, there was no way I would have been able to keep up and credit acceptance should have known that. 
Currently, I pay {$XXXX} twice a month. My standard payment is {$XXXX}. I bring home roughly {$XXXX} a month. I have XXXX children, including XXXX in daycare which those circumstances have not changed since taking out the loan. My rent is {$XXXX} per month and no utilities or food are included. The cost of the XXXX XXXX XXXX was {$XXXX} and it had XXXX miles on it. The apr was XXXX  % which equals out to {$XXXX} in finance charges total. Had I made all of the payments on time, the total I would pay for the car is {$XXXX} with a total listed of {$XXXX}. {$XXXX} for a XXXX XXXX XXXX. I was not educated or told about the total cost and was desperate at the time. 
Since I fell behind in payments my principle is now XXXX and not {$XXXX}. 
Even now, the payoff amount they are offering me is {$XXXX}. Still more than what it started at. Each month I am hit with an interest charge of {$XXXX} and late fee of {$XXXX}. For example, XX/XX/XXXX : interest charge {$XXXX}. XX/XX/XXXX : Payment of {$XXXX}. XX/XX/XXXX Interest charge of {$XXXX}. XX/XX/XXXX payment of {$XXXX}. 
Why am I being charged a total of {$XXXX} in interest each month? 
If I go back even further, XX/XX/XXXX there is an interest charge of {$XXXX}!
Product: Credit reporting, credit repair services, or other personal consumer reports

LCI Consumer center is in violation of the FCRA 623 ( b ) ( 1 ) On XXXX, XXXX 2023 I filed a dispute with LCI via certified U.S. mail tracking number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 LCI responded with an inappropriate stall letter in attempt to stone wall myself and avoid doing an investigation as the are required to conduct per the FCRA. LCI stated in their letter they could not validate my identity, I categorically state that is a FALSE AND MISLEADING ATTEMPT TO AVOID DOIND AN INVESTIGATION : 1 ) I enclosed a copy of my State issued driver license and a utility bill. 2 ) my letter was sent via certified mail from my home address. 3 ) my letter was personally signed by me. Enclosed is my original letter and information sent to LCI. SINCE LCI failed to conduct a proper investigation, within 30 days the following accounts must be removed from my file : BANKRUPTCY COURT IN FLORIDA Reference Number : XXXX filed in XXXX.
Product: Mortgage

I am a veteran of the US Military and I have a XXXX since XX/XX/XXXX. My state recognizes that fact and allows me tax exemption on my mortgage. I recently refinanced with Freedom Mortgage in XXXX XXXX and did let the loan officer know that I was tax exempt but she did not include it in my paperwork, but as soon as I got the letter and the required stamp from the tax assessors office which was XX/XX/XXXX and my first was not due until XXXX XXXX, I call Freedom Mortgage and they advised me to fax them a copy of the letter I complied. Two weeks went by and I did not hear from them so I called back XXXX XXXX XXXX. I was told they did not receive my fax so I re-faxed the letter, at that time I called to verify that it was received, it was verified. From that point on I would call them every two weeks to get an update. I paid them the full payment to include late charges for XX/XX/XXXX. For XX/XX/XXXX I informed them that I needed this issue to be resolved because I am on a fixed income and could not continue making higher payments. XX/XX/XXXX I tried to make the payment anyway because I did not want a hit on my credit. I was told they would not take anything less than XXXX+ late charges. Unfortunately I could not afford the total amount and took the hit on my credit rating. I received a letter today showing that they made the adjustment for XX/XX/XXXX. but refuse to adjust for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am now facing a bill for XXXX due XXXX XXXX XXXX, which I definitely can not pay. I am prepared to pay the adjusted amount for XX/XX/XXXX and XX/XX/XXXX, it seems only fair that the payment be adjusted since they received proof of the exemption, verified XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I been unknown negative information on my credit report that I have been disputing with XXXX, Equifax, and XXXX trying to get this unknown inaccurate information removed from my credit report. I have been reaching out to these companies since XX/XX/year> and they continue to ignore my request and violate my rights as a consumer. These companies are treating me unfairly which has caused me financial hardships for my family and myself due to this inaccurate unknown information which is negatively affecting my credit report. I have loss employment and housing due to this negative unknown information reporting on my credit. I am requesting your help to please hold these companies accountable for violating myself and the law and demand them to remove this negative inaccurate unknown information immediately.
Product: Debt collection

On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was XXXX  on XXXX. XXXX has XXXX XXXX XXXX  '' insurance ID XXXX. After a while, I received a bill from the hospital for {$1200.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few years I received a call from a collection agency " Paramount recovery " and some man told me that I owe them {$1200.00}. I explained the situation, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX XXXX from me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is equally directed at XXXX XXXX XXXX, XXXX reporting agency, and XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights. 
Under 15 USC SEC.602 ( a ) states I have a right to privacy.

15 USC 1681 SEC.604 ) A ) Also states a consumer reporting agency can not furnish an account without my written instruction.

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

This corrupt bank still held my account open after they allowed fraudsters to take all my money. Originally, they told me that it was closed in 2018, and that I had to go to the branch to open a new account. However, I declined because my money was never safe with them. Fast-forward to today. I receive a reimbursement by accident to the old XXXX account, and the ACH transaction does not bounce back. I call in to receive some of the worse customer service and incompetence ever. These people who they hire at the call centers never use simple logic. They are telling me that I have to go to a branch to resolve this when I live 7 states away to the closest one. Then to top it off, I can't cancel the account and get a refund, so XXXX is holding my money illegally in an account that should have been closed when the fraudulent transactions took place. I was able to remove all other associated accounts that went into the negative on my Transunion because XXXX XXXX lax security on bank accounts, but I am working on the 2 other credit bureaus. They are terrible and I don't even care about the money anymore, just close my account and delete my personal information. I don't want to be associated with this terrible institution anymore. They don't value their customers.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : * XXXX XXXX Account Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Despite providing concrete evidence of multiple discrepancies and inquiries on my credit report, my repeated attempts to seek resolution from XXXX, TransUnion, and XXXX have been met with deafening silence. In a world where financial integrity is paramount, the need for the Consumer Financial Protection Bureau 's intervention has never been more evident. The discrepancies has impacted my financial standing, borrowing capabilities, and overall peace of mind significantly. I had hoped that presenting them with indisputable proof of these errors would swiftly lead to their correction.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and urgent demand for the immediate removal of fraudulent accounts from my credit report. I am a victim of identity theft, and the accounts you have reported are not mine. Your failure to act on this matter is not only unacceptable but has also led to severe health issues as a result of the immense stress and XXXX this situation has caused me. 

Under Section 605B of the Fair Credit Reporting Act, you are legally obligated to investigate and rectify any inaccuracies in my credit report. I have attached the necessary documentation to substantiate my claims, including a police report and an identity theft affidavit. It is now your duty to block these fraudulent accounts and ensure that my credit report reflects my true financial history. Accounts that need to be removed ; Revolving Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$12000.00} Remove all addresses that I have never lived at : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Let me be unequivocally clear : I expect these erroneous accounts to be removed from my credit report within four ( 4 ) days of receiving this letter. Your non-compliance will leave me with no choice but to pursue legal action against your bureau for damages, including but not limited to the emotional distress and health problems that your negligence has caused. 

I demand immediate confirmation in writing that you have initiated the investigation and that the fraudulent accounts will be removed as per my request. Failure to comply will not be tolerated, and I will escalate this matter through all available legal channels. 

This is a serious situation, and I expect a serious response. I anticipate your prompt action and a written reply within the specified time frame.
Product: Checking or savings account

I opened a checking account with Regions Bank on XX/XX/XXXX  under the following promotion : https : //www.regions.com/XXXXXXXX XXXX *Here 's how to earn a {$300.00} bonus : 1. Open a new personal LifeGreen checking account by XX/XX/. Get started by opening an account online with promo code XXXX, or register and present your personalized email voucher when you open your account at your local branch. * 2. Enroll in Online Banking within 90 days of opening your account. 
3. Make {$1000.00} or more of qualifying ACH direct deposits that must post within 90 days of account opening. Deposits must be new to Regions. 

I included the promo code XXXX in my application and printed to pdf the application as evidence. I met the terms of the promotion four days later on XX/XX/XXXX, but did not receive the {$300.00} bonus. I have called and emailed to check on the status of Regions honoring this promotion several times since XX/XX/XXXX. This morning I was told that Regions would not honor the promotion despite my evidence that the promo code was attached when I submitted the application. They do not see that it was attached and said that there is nothing that they can do. Please find my evidence attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information and billing. 
Incorrect phone number. 
Incorrect address. 
Incorrect ethnicity. 
Incorrect age. 
Incorrect name. 

For bill amount of {$2000.00} XXXX XXXX started XX/XX/XXXX This is now effecting my credit score. 
I have given multiple attempts to dispute charge and call/email company to resolve this matter. 

Last attempt to call company was earlier this evening @ XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've found mistakes on my credit report concerning 15 USC 1681c-2. The listed inquiries were not authorized by me and are damaging my credit. Please remove all unauthorized hard inquiries.
Product: Vehicle loan or lease

Dear Sir / Madam : After speaking with a couple of staff members today from your office, l was requested to email the following information to check on a claim that l filed against Hyundai Motor Finance. 
Case Number : XXXX-XXXX My phone number is : XXXX-XXXX-XXXX. 
My email address is : XXXX My address is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ga. XXXX Please notify me immediate of any problems and once my files has been updated as soon as possible. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX AV XXXX XXXX, TX XXXX XXXX SUN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Amerisave Mortgage took upfront costs on a mortgage refinance to " lock-in '' my rate of 2.175 % on XX/XX/XXXX. My rate then continued to change as the mortgage process continued as well as my amount of cash-out amounts. 
Amerisave then continued to drag my application out for 4 months while charging me {$370.00} a week for extensions, caused by their negligence. They avoided communications with my current lender and my employer in order to charge me more extension fees weekly. Then they said they needed information from me ( my boss 's information ) which I provided and they did nothing with it again to charge me more extension fees out of my cash out amount. Each month Amerisave would hold my file doing nothing in order to get me to closing then have to recertify information each time, prolonging closing over and over again. 
When I finally showed frustration and started to check other company rates, I found out that Amerisave was pulling my credit file repeatedly so that I became un-mortgageable to other companies leaving me with no choice to stay on the long drawn out process they had me on. Finally, in late XX/XX/XXXX, Amerisave Mortgage employees STOPPED communicating with me about my loan just before it became a blame game between Originator and Processor, in which neither had answers or could offer any explanations. I repeatedly requested manager involvement. I did receive a call from the manager of my Originator ; once, who only offered me excuses ( overworked unstaffed etc ). All while they are still charging me extension fees. 
Amerisave has texted me without me knowingly agreeing to accepting text messages and more than half the time, not knowing who the text messages were from ; later finding out they use an " automated person 's name '' when texting me, leaving me confused on who I needed to communicate with. 
Amerisave Mortgage is being irresponsible and negligenful in handling my case/ file and I am no longer mortgageable in other lenders eyes. Applying for a mortgage is already stressfull enough but with Amerisave Mortgage the process was 10 times what it should have or could have been causing my family to be in a huge financial situation and causing me health problems. The dealing with Amerisave Mortgage were that bad!!!
Product: Vehicle loan or lease

When making a payment online and bringing account current, I noticed the past due amount and the total due amounts were different. I called Global Lending Services and was transferred to 3 different people, and then was told some outstanding fees for almost {$300.00} were from a repossession in XX/XX/2022. When the truck was repossessed in XX/XX/2022 we paid all amounts due at the time and were told our account was current. Since then we have made payments on the phone with many different agents and were never told about these fees, the amounts or any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is leaving case XXXX open but sent the attached letter to me which shows again that they did not conduct an investigation per my request which is a violation of my rights under FCRA. They also did not conduct the investigation per my CFPB complaint. They are clearly showing no regard for the FCRA. Their non-compliance under section 616 of the FCRA is greatly affecting my ability to obtain credit. If these inquiries are not immediately removed, I will file a complaint with the FTC and Attorney General with the proof of there violation and proceed with filing suit through my local court system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit card from XXXX XXXX  in the mail at my home. I never applied for this card or requested a card from them. 

I then go on to find that there is a hard inquiry on my credit report for this and showing a new account on my report. I never asked for this and highly believe that this is fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/year> A past due charge appeared on my Experian Credit report and lowered my Credit score from XXXXXXXX XXXX XXXX for a loan for {$600.00} with past due amount XX/XX/year>. I tried calling the number provided XXXX. All appears to be a scam. Never heard of this Company. Filed a claim with Experian and they could not resolve the issue. I want proof that this is a true past due claim. 

Experian report # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX
Product: Checking or savings account

I linked an external account to capital one saving account on XXXX and initiated a pull of {$100000.00} money from the external account ( XXXX XXXX XXXX ) to capital one. 
Then the fund was put on hold and I was asked by Capital one to do a XXXX way phone call with XXXX XXXX XXXXXXXX on XXXX. 

During the process the capital one specialist was in a rush to conclude that my account can not be verified resulted in my capital one account being restricted while the fund was still transferring into capital one. 

The XXXX XXXX XXXXXXXX account I linked with is a brokerage account where the account number capital one want to verify is associated with that brokerage account. But the capital one specialist conclude in rush that the XXXX XXXX  XXXX brokerage account can not be verified because the account name is not the account number and terminated banking relationship without me explain further. 

What is even worse is capital one still process the transfer and I can see the money being withdraw from my XXXX XXXX XXXXXXXX account even capital one said they terminated my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$8.00}