23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After selling and closing on a home in which Roundpoint Mortgage was the lender, it has been almost 60 days and I 'm unable to get a refund for the escrow balance left on the account. They have given me excuses that " the check is in the mail '', and " we need 10 business days to process '' and now they say they " need 20 days to process the check ''. I 'm getting a huge " run around ''.
Product: Checking or savings account

As of XX/XX/XXXX my account with Arvest was overdrawn $ XXXX including {$130.00} in over draft fees. On XX/XX/XXXX a check from the XXXX XXXX XXXX XXXX XXXX was deposited in the amount of {$1500.00}. The date the check was deposited the the account was brought to $ XXXX. On Saturday XX/XX/XXXX the {$200.00} credit from the deposit was reversed and the check was placed on a one week hold. Arvest has deposited several checks ( over {$1000.00} ) from the XXXX without placing a hold on the account prior to XX/XX/XXXX.XX/XX/XXXX a payment was scheduled to come out of our account with Arvest to pay for our water bill. Since Arvest has placed a hold on our deposit. Our water is now turned off and we must pay an additional {$20.00} to have the water turned back on.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of the information on my credit report.

15 U.S.C. 1681s-2 : Obligation of furnishers to provide accurate information.

15 U.S.C. 1681i ( a ) ( 5 ) : Duty to investigate and remove inaccurate or incomplete information.

15 U.S.C. 1681c ( c ) : Restrictions on reinsertion of previously deleted information without proper notice. 
I have sent multiple dispute letters to Experian requesting corrections to inaccurate items on my credit report. However, they have failed to conduct proper investigations and continue to report errors. Additionally, Experian has not complied with the requirements to provide notice or documentation of their reinvestigations or actions taken regarding my disputes. 

Recently, I became aware of the CFPB 's lawsuit against Experian for its failure to properly investigate and resolve consumer disputes. This lawsuit highlights systemic issues in their practices, including improper reinsertion of errors and inadequate dispute investigations, which directly align with my experience. Their actions, or lack thereof, threaten my ability to obtain credit, housing, and employment. 

I am requesting the CFPB to investigate Experians handling of my disputes and take appropriate action to ensure compliance with federal law. My experience reflects not only non-compliance with the FCRA but also a disregard for consumer protection rights, as evidenced by the CFPB 's recent lawsuit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my own credit report I have found a few accounts that I believe are reporting in error. I have requested multiple times proof of ink signature documents according to section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( XXXX ) ( A ) of the Fair Crediting Reporting Act showing that these accounts are indeed verified and belong to me and I am not aware of them. The accounts still haven't been verified legally to standard but continue to be reported on my credit report after months of request to have them removed. 
I am seeking the removal of these negative accounts that are reporting on my credit file or legal verification showing that these accounts belong to me. Please see below the accounts information in question. 

Account XXXX # XXXX Balance : {$20000.00} UNVERIFIED ( past XXXX yrs old )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account reporting on my credit file ; The Bureaus ( Original Creditor XXXX XXXX XXXX_XXXX XXXX This account was opened fraudulently and currenly has a balance of {$1000.00}. 

I have requested multiple times for this account to be dissociated from my name, and to be removed from my credit. 

As of XX/XX/2020 its still continuing to report on my credit. Please remove this fraudulent account from ALL three bureaus.
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 : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$500.00} Balance updated XX/XX/2022 Account number : XXXX In accordance with The Fair Credit Reporting act XXXX Account number # 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 a account without my written instructions.

I demand this be taken off my report immediately!
Product: Debt collection

That XXXX needs to be deleted immediately and showing paid in full not a charge off this company wouldnt provide a 1099c form or honor my gap coverage stealing money numerous times
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS IN VIOLATION Equifax has XXXX XXXX XXXX as being opened since XX/XX/2016 but the payment history for each month of 2016 is MISSING. 

The full payment history has been provided to them and is provided here. Provide the complete payment history for this account or delete entire account.
Product: Debt collection

Pulled my credit 17 times beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. 

I have today requested that they cease and desist. I have no accounts with them.
Product: Credit card

I sent tender of payment filled in with the account information along with payout intsrtuctions with the payout quote and the company has disregarded my instructions.
Product: Credit card or prepaid card

Dear Sir or Madam : This letter is to request to dispute the billing fraud on my Chase credit card ending in XXXX in the amount of {$850.00}. they closed my case without my agreement and I have asked Chase credit card dispute team to re-open this case, but they still told me that that transaction is still valid. 

In order to support my claim. I have asked Chase credit card dispute team to check the XXXX XXXX security camera at Cashier Window between XX/XX/2017 XXXX -- XXXX ( which is the best evidence ), but they said they can not request the security camera footage from XXXX  XXXX XXXX 
When people need to withdraw the money from the Cashier window, the clerk inside window need customer to copy photo ID and sign the name, when I was trying to withdraw, I need to do the same thing, but the girl inside the window told me that my transaction was declined, I thought my pin could be wrong or there is the limit to withdraw the cash from the credit card, so I left the cashier window empty handed. 
The next morning, I got a phone call from Chase credit card, the agent told me that my credit card has been compromised, I was asked to cancel my current card and send me a new one. 

By the way, I hope the merchant can find out who is the thief in their cashier department. 

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

Personal data was exposed in data breach. Equifax has left my family in I vulnerable for the rest of our lives. Something needs to be done to fix this.
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 U.S. Code 1681b ) FCRA 611 ( 15 U.S. Code 1681i ) FCRA 609 ( 15 U.S. Code 1681g ) i am writing to formally dispute and request the immediate removal of the following unauthorized fraudulent Accounts from my XXXX 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 XXXXhese Accounts were OPEN without my authorization and are fraudulent and are a violation of my consumer rights under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ). Specifically listed on attached FTC REPORT, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below and the items listed on FTC report :
Product: Debt collection

When exercising my rights, Amex sent my account to collections. The account has been closed and not in collections since XX/XX/2022. It was only when I sent them my remittance did I receive a letter informing of this transfer. AMEX is in violation of their own agreement when the terms of our contract include arbitration. Before any account closure or transfer, arbitration should have been started as was agreed upon when the account was opened AMEX. Additionally, AMEX is in complete and utter violation of 15 usc 1602 ( p ) which mentions use of the credit card in which the owner receives no benefit. I, as a federally protected consumer, am aware that this was to be an open end credit plan in which I was to be responsible for a finance charge computed from time to time. These laws were put in place to protect us from companies such as yours. There is a billing error on this account and pursuant to 15 U.S.C. 1666 ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. I would like it investigated. Any further adverse action would be unacceptable and remedy will be pursued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

My Synchrony credit account was given to a Legal - collections company called XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. I have tried for over 3 months to get in contact with this company to pay the debt. There is seldom anyone who answers the phone and when I do get someone i can never reach them again. In the meantime, while I did agree to a settlement and payment date to avoid a court judgement, I never received the documentation and settlement agreement and was never given the option to pay. I have called and left messages and never received the call back. 
Basically I can pay or settle the debt and have gotten threatened with Legal actions in the interim. 
The phone number I have XXXX ext XXXX XXXX XXXX - Account representative. 
If someone could please help me in addressing these issues and avoiding any more threats of legal actions or collections. I want to pay my bill and clear this- however they are not providing the resources to do so. Thank You
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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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

Transunion & XXXX  credit reporting has failed to respond to my dispute letter for CMRE which were sent certified mail and signed for.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate this inquiry that I believe is reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiry in question so that you may do as you are governed by the FCRA. I have tried to contact this company on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. This company that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

XXXX XXXX XX/XX/XXXX, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Mortgage

US Bank Loss Draft Department Hurricane Ian Flooded my home, flood insurance cut a check and I sent to Mortgage company. The company sent me a check for XXXX dollars- I deposited the check they cancelled it. I have contractors lined up and the company will not explain the issue or why I was given the check and it was then taken away. I was able to call and they stated their policy changed. I called on XX/XX/XXXX at XXXX and XXXX stated I would get a check for the total amount, called back on XX/XX/XXXX XXXX stated the check was mailed and at my home. I deposited the check on XX/XX/XXXX. I was notified by my bank on XX/XX/XXXX that the payment was stopped. I still haven't received notification from the company or a supervisor of why this occurred. I have a letter saying final disbursement was given and claims is complete. I have contractors coming next week and I won't have money to pay them to get my home where I can live in my home. I was able to get notification after multiple calls today that they would send XXXX for repairs. The problem I have is the poor information shared so I can plan to fix my investment ( home ) and the lack of communication and cancelling funds so my checks are going to bounce without that money and I will have to pay additional fees due to the incompetence of this bank.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance {$0.00}
Product: Debt collection

Harassing recorded phone calls multiple times a day and after XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, they have been fraudulently placed upon me every since my identity has been compromised. Now these same unauthorized accounts are in ligation. I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} XXXX. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX {$6400.00}
Product: Credit card or prepaid card

I filed a FRAUDULENT claim with Bank Of America in XXXX  Over a year ago. I was scammed out of $ XXXX. Because I never received a edd prepaid bank of america card before, so All transactions made were not me an I was sent a new card apparently, However I still never received an they sent a new one, But there were no funds on it. 

I've been calling an complaining on this same dispute ( claim # : XXXX ) for over XXXX YEAR, as well as sent proof of transactions IN DIFFERENT STATES WITHIN DAYS AN SOMETIMES HOURS OF EACHOTHER an I still havent been told of a final determination to the investigation NOR have I received any provisional credit or my money returned. Ive been evicted, Lost my cell phone due to non payment, Lost my car, Ect ..... I NEED MY MONEY. Bank Of America is in NO rush to resolve or credit me what is owed.

ALSO : I WAS WOLD COMPLAINTS WERE FILED BY BOA PREPAID CUSTOMER SUPPORT, BUT WHEN I CALLED THE NEXT DAY AN ASKED, THE NEXT EMPLOYEE SAID THEY WERE NOT IN THE NOTES ON MUTIPLE OCASSIONS. ( IVE ONLY BEEN ISSUED XXXX $ OF CREDIT ADJUSTMENT THUS FAR ) transactions XXXX ( Arizona, Texas, Florida, utah ) ALL PLACES I NEVER BEEN. file attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I went into this companies web Site and made a regular monthly mortgage payment plus an additional principal payment as I had done the months before. In XXXX I went into their Web site and discovered that only the additional principal payment had been taken from my bank account. In that same month I received a refund check from the mortgage company. I was confused. I contacted the company. They removed the late charge, I made the regular payment amount which made the payment current and then a couple of days later I made the payment for the current month also. So both months were current as soon as the problem was discovered. 
We had not had this account for very long and the company had stated that our payment was going to be changing so I had not set up automatic payment at this time. When I realized what had happened I contacted the company right away, I was told I received an email. I had not. I had not even had the opportunity to balance my check book to see that the full amount had not been taken out of my bank account. I sent a dispute to the company and got a reply that all payments were current. I assumed they had adjusted my credit score. I was wrong. We just went to apply for a new loan and were told because of this one payment showing 30 days past due I was going to have to pay a large down payment and would be getting a larger than expected interest rate. 

I was shocked. I have never missed a mortgage payment. I could not beleive that because of some glitch in the payment window, that would allow me to make an added payment amount without making the regular payment, could even happen without some kind of a warning, would cost me this amount of grief. When we signed on this new VA loan we were told we could not make a partial payment, well, who would have thought their web site would even accept a {$45.00} payment, the web site took the payment and stuck it into a suspense file, no warning or anything. As I stated, had I received a warning, at that point, I would have been able to correct the problem, but their web site took a lower than minimum payment, apparently, or there was some kind of a glitch in the transmission of the payment.