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

I called Discover 's customer service and chatted with a supervisor about correcting the information on my consumer report. I was informed that she, ID # XXXX did not have the ability to remove information connected to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. I had the same call with XXXX XXXX and XXXX XXXX, but they put the dispute in today XXXX XXXX. She, ID # XXXX did see the dispute I made before. I am disputing the recording of the information not if the information is correct. I explained
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to both XXXX and equifax of a fraudulent derogatory mark from XXXX on my credit report. I disputed the mark and both reporting agencies ruled it meets their standards. I have tried to speak to someone on the phone about the issue with both agencies to no avail. This is not my XXXX account, I have XXXX  and I'm still in good standing with them. I need to remove this from my credit because Im not paying for a XXXX   account that I've never owned.
Product: Mortgage

I have been in my home since XXXX XXXX, faithfully paying my mortgage, did a refinance back in XXXX with XXXX XXXX, house value went up, doubling the worth of the home to {$200000.00} from its original of {$100000.00}. The mortgage industry crashed my home lost half its value. I have tried on at least 3 separate occasion to have the Mortgage service provider modify the loan to reflect the actual value, first attempt was in XXXX due a terrible car accident that had complications I knew I would be in trouble making payments. At that point XXXX XXXX XXXX ( XXXX ) had taken over my mortgage due to XXXX going belly up. XXXX drug out the process ( all documents attached ), giving me multiple redo 's for unsightly reasons, then finally said I qualified " in conversation '', sent me a XXXX letter saying " Let 's do one more round of paperwork, then 2 days later via another XXXX letter said sorry we sold your mortgage to Ocwen. Basically a 4-6 month process of delays to sell me off after all that work. I then tried with Ocwen, and they said sorry " Mortgage note owner ( which was XXXX ) do n't participate in HARP/HAMP '' or anything to help rectify the underwater situation. OK, that was harsh, they were rude, and either way, I got through my health crisis, caught up and then there 's NOW : I 'm still paying then XX/XX/XXXX I get a payment notice telling me they are doubling my mortgage. I call tell them I ca n't afford that, they ( Ocwen ) do same song and dance about " let 's see what we can do '' and then came back with the same " Sorry NOTE owner ( XXXX ) does not participate, and furthermore, you do n't qualify for any other assistance/consideration, as you are not behind '', and blah, blah, blah. Next they sent me the options of Deed In Lieu or Short Sale. I 've filed a complaint with the Attorney General 's Office, and was also instructed to file a complaint here. In summary, I have paid, missing the few months due to almost XXXX, over {$210000.00} over the past 14+ years, for them to take my home without reasonable negotiation. This is clearly ( to me ) unethical and un-American. What I want is to be recuperated correctly, have them fix the mortgage to rightly represent my actual value, and give me my credit for all these years of faithful payment as this is a mortgage, not rent. At this point, they have it so I owe over {$180000.00} on a home worth {$100.00}, and no credit of 14+ years of faithfully paying my mortgage. If they have it their way, I am out on the streets, credit destroyed for Foreclosure, Short Sale, or Deed In Lieu, and can not afford to purchase another home for some insane amount of time, for something as ridiculous as this. I will attach the documents showing some of the trail, and my most recent letter to the office of the president, and their response. I need you to champion this cause and get me justice as this is very wrong for multiple reasons. Thank you, and I look forward to your interaction.
Product: Prepaid card

On XX/XX/2024 me and my son woke up to our account being closed. I have my deposit from work going there every other week. I have reached out to this company asking this what is going on with my account. All they say is terms and conditions. I have not broke any rules or terms and conditions. Also I get paid this week and these people told me they will send the deposit back and then the depositor will have to resend my check that's going to take 2-3 weeks I have bills to pay. This is ridiculous no answer as to why or anything. No terms have been violated no one can give me a straight answer
Product: Debt collection

The property management company of where I once lived sent my outstanding rent balance to collections. I now have a collection item on my credit report for {$5300.00}. 

The reason I stopped paying rent at this location -- and I disputed this in court -- was because the property management company refused to make the maintenance repairs that I requested, after countless complaints. The repairs needed began to affect mine and the other tenants ' quality of living, one tenant being a XXXX year-old child. 

I began the escrow process, and even after the judge and city code enforcememt ordered the property to make the repairs, they still did not. I was eventually evicted for non-payment. I was a model tenant and up until the time I stopped paying rent, I had paid my rent every month ON TIME and OVER the amount due. 

I am requesting to have this item removed from my report, as well as from the report of the other tenant who was on this lease, XXXX XXXX XXXX XXXX.
Product: Mortgage

Recently, my loan has been transferred from XXXX XXXX XXXX Loan No : XXXX ) to Mr.Cooper ( LoanNo : XXXX ). I paid last month dues with additional principal to previous lender XXXX XXXX on XX/XX/ ( Unpaid Principal amount {$430000.00} on XXXX statement ) and i got the notice from MrCooper on XXXX XXXX XXXX When i checked with XXXX, they said that additional principal amount has been already transfered to MrCooper but its still not showing up unpaid principal amount as {$440000.00} in MrCooper loan administration portal. I reached MrCooper customer service more than 3 times from last month and not getting any solutions for this issue. I need to fix this problem so that i can pay off this month due before deadline XX/XX/XXXX. Please see the attached statement from both XXXX and MrCooper.
Product: Checking or savings account

On XX/XX/XXXX I began receiving emails from Chime that a checking account was opened under my name. 
I contacted the back through their official fraud call center to request more info. They verified my info with the account and claimed no fraud was involved on the account. I continued to ask more questions regarding their validation security and did not receive a response. I also included proof of a login security password reset that sent a code to a phone number not associated with me. No resolution was by Chime to done. No info on security was done. I requested termination of the account. 
I have email documents and screenshots to show all communications on this concern. Chime does not have secure validations processes in place to protect people 's secure info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In XX/XX/XXXX, I notified Bank of America numerous times about a company fraudulently charging my debit card for products I never rec 'd nor even received bills for. I asked the charges to be credited & future billings to be blocked. They opened up several fraud disputes & issued temporary credits but ultimately WITHOUT ANY PROOF from the vendor, reversed these credits. I explicitly asked BOA to get ( & provide me ) with proof from the vendor that I had received the products & with bills that were supposedly sent to me but they neglected to do so & relied only on a single phone call with the vendor who verbally said the charges were valid. I called BOA numerous times to reopen my claims, credit my acct, & to block future billing. In addition, I met my local BOA branch manager & asked him to escalate the fraud to the regional Mgr. I also pointed out the BOA claim detail was incorrect & needed to be fixed. We both ( again ) called the fraud Dept. to attempt resolution. BOA neglected to correct & reopen my claims & I never heard from the regional Mgr. I spent over 30 hrs & 5 mos. trying to resolve this, ultimately to no avail. 
I received a ltr from the FTC ( XX/XX/XXXX ) notifying me they sued & won a case against this very company that defrauded me out of {$1200.00}. I again contacted Bank of America fraud Dept. asking them to refund my {$1200.00} since the FTC substantiated the very fraud claims I previously reported. I spent another 1 hr & 40 mins with the BOA rep reviewing all the claim data ( dtd XX/XX/XXXX-XX/XX/XXXX ) & she opened case # XXXX ( XX/XX/XXXX? ). She advised me it would be escalated to a supervisor immediately & BOA would contact me. As of today, XX/XX/XXXX, I have ( again ) received no response, no claim has been opened, no credit issued to my acct. & this matter is still not resolved. 
It was bad enough for a vendor to get away with stealing {$1200.00} from my acct. but BOA 's financial neglect to properly investigate the fraud, stop it from recurring & to not properly pursue resolution, is unconscionable & only adds insult to injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the wake of XXXX XXXX unethical handling of our information that we did n't choose to provide, I have been unable to immediately get credit freezes because of demands for police reports, newly created run-arounds by TransUnion in order to trick me into buying their fraud monitoring instead of simply allowing me to get the credit freeze I need, as well as steep fees for the credit freezes that keep myself and others like me from being in control of our identity.
Product: Mortgage

On XX/XX/XXXX XXXX I received a phone call from the loan XXXX regarding the declined of the loan. 
I keep asking for the reason saying that was due to the FHA water source guidelines, and that I going to received information from Rocket Mortgage. 
the same day I went to the internet to do a research of those mentioned guidelines which I forward to the loan XXXX, and not response. I did asked for the appraisal also which we paid. 
He reply to my text saying " The Water source is considered to be from a spring, lake, river, sand-point, or artesian well '' is why it's ineligible '' On Monday XX/XX/XXXX I contact Rocket copy and the referred me to another loan XXXX who send me the declined letter which it say " *Collateral : Unacceptable property type '' nothing related to the water source. Again they reply to me to call XXXX representatives which I spoke to XXXX. XXXX told me that she will get back to me. When she did her reply was that was because the FHA and company guidelines which I reply that is not clear and if I can talked to the underwriter or other high management. Her reply was that no. 
I being in contact with FHA and they reply to asked the mortgage company for a written reason about why I was declined from FHA guidelines which until today no response. 
Today XX/XX/XXXX FHA referred me to file a company complain through Consumer Financial Protection Bureau XXXX FHA said very clear that the " Mortgagee must ensure that the water quality meets the requirements of the XXXX XXXX with jurisdiction? ''
Product: Credit reporting or other personal consumer reports

Account # XXXX Navy Federal Credit Union : XX/XX/24, which you claim LATE PAYMENTS. Amount : {$17000.00} Account # XXXX XXXX XXXX XXXX : XXXX, which you claim LATE PAYMENT Amount : XXXX Account # XXXX XXXX XXXX XXXX : XXXX Amount : {$11000.00} appeared on my credit report. Its unlawful to 623 ( a ) 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. ]
Product: Debt collection

AMERICAN CREDIT ACCEPT is falsely reporting on my credit as late payment. I never had a loan with them
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX Inquiry Date XX/XX/2020
Product: Debt collection

I am writing regarding a matter of concern in my credit file. I've noticed a collection entry from your agency that I was not previously informed about. Moreover, I have serious doubts about the accuracy of the claimed debt. Under the Fair Debt Collection Practices Act, I am entitled to request debt validation. Therefore, I formally request that you provide the necessary validation and take appropriate steps to address this issue. 

Please note that a comprehensive response, including all requested items, must be provided within 15 days of this letter 's date. Be advised that failure to provide a satisfactory validation response within this timeframe will be considered inadequate. In such a case, I will be compelled to initiate legal proceedings to seek monetary compensation for the violations that have occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a police report and dispute to Equifax on XX/XX/2021 via fax which Equifax received and was confirmed via phone conversation with representative. I am disputing the following inquiries 1. XXXX 2. XXXX XXXX XXXX 3. XXXX  XXXX 4. XXXX XXXX XXXX. I was told it would take 30 days to dispute but according to the FCRA 605B this type of matter should take a maximum of 4 days. I am demanding the inquiries be removed from my credit report immediately as it has already been 8 days since I've submitted my information and dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX 

These inquiries are unauthorized. I have attempted to resolve this with the credit reporting companies I was instructed to file an FTC report which I did and they still haven't corrected the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX grant which I converted to loans last year. At that time, I was told by a representative at XXXX XXXX that these new loans would be rolled into municipal existing loans and added to my monthly payments. I just noticed yesterday ( XX/XX/2018 ) they were delinquent ( 11 missed payments ) with no emails or notifications from XXXX about any of the missed payments. Again, I was told they would be added to my current loans, so I thought they were being taken out all along. I want this taken off of my credit report as this was not my fault. I paid off the outstanding balance yesterday ( {$1100.00} on XX/XX/2018 ). I have paid every single other loan on time. I am a great customer who clearly trusted the word of someone at a XXXX XXXX company.
Product: Credit reporting

Why does it feel like Experian is n't reading my letters I 've sent certified mail to them? 

Feels like no one is taking an interest as I have not gotten anything from them back as far as results are concerned and any investigation. 

Why do I have to spend so many countless hours on this? 

See attached.
Product: Credit reporting or other personal consumer reports

Principals rights were violated by XXXX XXXX XXXX in conjunction with Experian, XXXX, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. This erroneous tortuous act took effect on XX/XX/2023 for amount {$19000.00}.
Product: Checking or savings account

On XX/XX/XXXX I closed a checking account at Regions Bank. I was given a cashiers check for the total balance. Two days later on XX/XX/XXXX the account was automatically reopened because of an interest payment of XXXX XXXX XXXX. I was not notified that the account had been reopened. On XX/XX/XXXX an {$18.00} low balance fee was incurred. I tried to resolve this issue by speaking with two different customer service representatives, but was told I would need to return to the bank in person to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX ACCOUNT Name : XXXX XXXX XXXX. XXXX  ACCOUNT NAME : XXXX XXXX XXXX  These accounts Have Violated My Rights. 

15 U.S.C 1681 section 604 A Section 2 : 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 items 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 related 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

This is a formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you as no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and XXXX be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I took out a small personal loan at our local bank to last XXXX. We paid the loan off on XX/XX/XXXX  & I have a letter from the bank stating as such. Equifax changed their reporting to reflect as such, only to change it back 2 days later. I filed a dispute on the matter with Equifax. When the issue wasnt resolved, I called them. I was told the bank was reporting a current balance as of XX/XX/. I filed another dispute & called the bank. The bank has acknowledged the loan has been paid in full & the account closed. On their system they show the correct info being reported to Equifax. I spoke to the individual at the bank who handles the reporting to the bureaus on XX/XX/XXXX  & she informed me she would resend the updated info to Equifax. This morning XX/XX/XXXX  I get info from Equifax regarding the disputethey are still showing a balance on the account as of XX/XX/. XXXX has the info correct. Not sure why this is so difficult for Equifax to figure out & correct. They told me to contact the bank, I did. The bank contacted them & they still do NOT have it correct. It should NOT be this difficult to get a company to admit an error on their part!!
Product: Credit reporting or other personal consumer reports

Dep of EdXXXX by way of TRANSUINON is reporting inaccurate information on my consumer file. specifically : TRANSUNION is reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as 90 days late in a 30 day period, that's in possible! i have asked for bank statements or documentation but yet to receive them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, Equifax and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX is in clear violation of this law. XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.