23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. I wrote Equifax requesting their method or methods of verification regarding two bankruptcies that they are reporting on my Equifax credit report. I requested that the method or methods of verification be mailed to me. To date I have not received any mailed responses from Equifax. I know that Equifax has received my letter of request as I have attached proof of the letter of my request of verification and returned certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following account for almost three years now : XXXX XXXX XXXX Last Reported Status : 90-119 Days Late Last Payment : XX/XX/XXXX Balance : {$9400.00} I have disputed it with the agency, as well as the credit bureau. The credit bureau subsequently removed this account ( XXXX XXXX XXXX ) from my credit file on XX/XX/XXXX. The account has reappeared on my credit file under XXXX XXXX XXXX. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a complaint against american express on XX/XX/XXXX in regards to an alleged debt owed to american express as well as a collection agency. Their response was " Because your account remained past due it was charged off on XX/XX/XXXX. An account that is charged off indicates that the debt has been written off as a loss to our company due to serious delinquency on the account and does not affect your responsibility for repayment of the balance due. Additionally, it was placed with outside agencies. When an account is assigned to an outside agency, we are unable to assist with account information as you need to work with the agency handling your account. American Express remains the creditor, the outside agency is collecting the balance on our behalf. On XX/XX/XXXX the account was placed with XXXX, an outside agency. On XX/XX/XXXX the account was assigned to our credit department. '' They advised on XX/XX/XXXX the account was assigned to their credit department. I have been harmed by this action due to the fact the company violated 809 ( a ). Validation of debts. The first correspondence I ever received from them this year was dated XX/XX/XXXX. 

*Please provide proof of delivery for any correspondence you attempt to upload as a response.
Product: Vehicle loan or lease

XX/XX/XXXX traded car. Never late with Global Lending. Contacted Global Lending all was fine payment made XX/XX/XXXX for XXXX reversed with help from my bank and them. XX/XX/XXXX calls came. I contacted company got car from all was fine. Contacted Global Lending they said they would let me know. Next thing I know started getting calls called XXXX XXXX XXXX they said they have the title all was handled. I called Global Lending they stated I still owe them the money for XXXX {$570.00}. I worked with them they were looking into it. Next thing I know I am getting calls at least 6 or 7 a day. I said ok I will pay just so they would leave me a lone. I tried they said no this account is closed. You will have to send a money order, cashiers check or XXXX XXXX. I said no. They said they want the payment. I then called and spoke with another overall manager XXXX XXXX said yes they made a mistake and released the title so yes the account is closed. He said he would take care of things and call me back. I got this call and he said well we still want the money. He said send it to the XXXX XXXX XXXX I said if the account is closed how will this be applied. He said we will take care of this. He then informed me that it is going on mine and my husbands credit as delinquent payment. I said we don't owe it and the account is closed. This conversation ended shortly after. Then a tow truck showed up to repo our car. This guy was great he looked a vin and said sorry. I called Global Lending they said we owe money. This repo was sent out by collection dept. Later on in the week another repo came he backed in driveway I ran out he said pay or he is going to repo my car. I said I don't own it don't breach the peace he pulled out of driveway and said ok. I called Global Lending they said this was sent from the delinquent side. Then they started calling my work several times a day. I had this blocked and the calls at least 10 a day came on my phone now they are calling my husbands work over and over again as well as him. He is going to loose his job. It is going on his credit as well as bad credit payment history. I was always on time never missed a payment. I am trying to build up mine and my husbands after our bankruptcy. Please help fix this. I am really trying hard to fix everything. This is messing up our credit. They are leaving messages and calling constantly.
Product: Credit reporting or other personal consumer reports

I am filling this complaint with Equifax for failing to properly investigating my disputes regarding inaccuracies in my credit report
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ] replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
On { XX/XX/XXXX } you furnished to { Experian, XXXX, } put the CRA that is reporting the late payment } an alleged transaction as Late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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. 
I requested the information that must have or possess by law in order for you to furnish a payment as late. 
This is being request pursuant rule 1002. 
In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met. 
You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 
Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] XXXX XXXX
Product: Debt collection

2014 I was the victim of identify theft, and a police report was filed and sent via certified mail to the XXXX credit bureaus, XXXX and XXXX XXXX XXXX. It was taken off my credit report. Now, 2 years later, XXXX XXXX has sold the account to Credit Systems International, who has reported it on my credit reports. They are unhelpful and XXXX XXXX is saying that I have to file an FTC report, with police report, etc. again and send it to them before they can do anything ; when in fact they have all this information from 2 years ago, and erroneously sold the account to Credit Systems International.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I opened a dispute with TransUnion. In that dispute TransUnion was asked to verify/validate an account. The account in question is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX. In accordance with federal law and FCRA guidelines ; TransUnion was given 30 days to validate/ verify the account or had to be removed. At this point TransUnion has fail to comply with FCRA guidelines and has not verified, validated or removed the account.
Product: Mortgage

This complaint relates to a deceptive email that I received on XX/XX/22 from Freedom Mortgage, the servicer for the mortgage loan secured by my house in XXXX, NC. The email falsely said that lender-placed insurance had been purchased for me, and encouraged me to contact XXXX, a private company to help me find a " suitable policy. '' But I do not have lender-placed insurance on my home. There was a lender-placed insurance policy placed on my home by mistake in XXXX, that was retroactively cancelled within a few days. I have proof of this mistake, and its correction, through both my insurance provider and a letter from Freedom Mortgage dated XX/XX/22. 

When I received the email described above today I called Freedom and was told again that I do not have lender-placed insurance and that I need not worry. 

My complaint is that this email from Freedom Mortgage improperly tells me that I am still on a lender-placed insurance policy, and that I should contact XXXX to find a " suitable insurance policy. '' Many consumers would then call XXXX, and even though they already have homeowners insurance -- as I do -- and purchase a second homeowners policy. This would lead to unnecessary expense, confusion about coverage, as well as a waste of time. 

The email described was deceptive and is harmful to homeowners. For your reference, below is a copy of the email I received : Re : 2nd Notice : Your Lender-Placed Insurance Coverage From : Freedom Mortgage Corporation XXXX Reminder : Your Lender-Placed Insurance has the minimum coverage Dear XXX, We want to remind you that youre on a Lender-Placed Insurance plan, which provides only the minimum amount of coverage that Freedom Mortgage Corporation requires and usually doesnt include personal property or liability protection. This could mean that your policy may not cover the full replacement cost of your home, your personal belongings or accidents that occur to anyone on your property. It is also more expensive than most standard homeowners policies. 

How we can help Freedom Mortgage Corporation has partnered with XXXX XXXX to assist our customers on Lender-Placed Insurance in finding a more suitable policy. With over 30+ A-rated insurance carriers in their network, XXXX team of specialized agents will work with you to find a policy that provides the right amount of coverage at a more affordable price. 

Call XXXX [ there is a button that connects one to XXXX ] Schedule A Call
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint for the eleventh time to once again for a reason that am still seeing these accounts in my XXXX and TransUnion credit file. And it was already making me anxious as even how many times I am requesting the XXXX and TransUnion Credit Bureaus to investigate and rectify the inaccuracies associated with these accounts, they persist in displaying the wrong status. And this blatant disregard for accuracy has unjustly tarnished my credit standing and scores. I have made my decision, and it's high time the XXXX and TransUnion Credit Bureaus to REMOVE these specified accounts from my credit file : XXXX : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance $-
Product: Credit reporting or other personal consumer reports

Called Sunrise Credit Services on XX/XX/year> requesting documentation showing the {$240.00} collection account belonged to me. They said they could not provide that to me as they did not see account tied to me. But they would not remove the collection account either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputing : XXXX XXXX XX/XX/XXXX {$1000.00} 15 USC 6802 - Obligations with Respect to Disclosures of Personal Information I DO NOT recall giving XXXX XXXX XXXX XXXX permission to give my personal information to XXXX XXXX. Additionally, I did not give XXXX XXXX permission to report to my credit. 



15 USC 1681 - 15 USC 1681 ( b ) - Reasonable Procedures I DO NOT recall XXXX XXXX XXXX XXXX XXXX XXXX XXXX opportunity to opt out of sharing my information. XXXX XXXX is reporting this account to my credit report fraudulently.
Product: Checking or savings account

On XX/XX/year> XXXX, credit karma froze my spend and save accounts totalling around XXXX. I recived an email stating i should contact customer support and that my account was frozen. They failed to provide me with a reason or a resolution to my issue. I didnt report any fraud, or go below any threshold of balance. After speaking with customer support they informed me they would be closing my account and did not provide a reason as to why, or provide me with a way to retrieve my funds.
Product: Mortgage

I contacted my mortgage services, Mr. Cooper, regarding my struggles to pay mortgage. I requested an application from them a few months ago, one was never sent. 
I was finally able to speak with a representative late XXXX to advise that I required an application for assistance. I finally received it as of this afternoon. I have set up an application with a HUD  counselor to complete the paperwork. I also set up a payment to be pulled from my account for one past due payment. 
I was assured by the loss mitigation specialist that their job was to help me stay in my home However, it appears that Mr. Copper lied about this. They now do not want to pursue any other options other than foreclosure. 
I also already have one open complaint with the CFBP regarding Mr. Cooper. 

I am. XXXX XXXX XXXX, XXXX woman for reference. I also understand from my HUD counselor that she had to bring in 2 attorneys to work with Mr. Cooper last year. 
Also for reference, Ive attempted to request a loan modification a few years ago with this company, and they simply stalled it, In fact, the response was to increase the payment Thank you XXXX XXXX
Product: Mortgage

I am trying to get my PMI removed and I have been dealing with Nationstar Mortgage. I have called several times to get the fax number or address and process on how to do this. They have given me several fake fax numbers so I finally had to send all of my documents ( Private Mortgage Insurance Disclosure that I signed ) and their form via registered mail. I have called several times since they received the documents. When I finally got through to them they told me that I had to wait for automatic termination. This is not what is stated on the PMI disclosure I signed. It states that I can request it be removed if I meet all the conditions and I do and my loan is at 80 % LTV. They keep giving me the run around. They are denying my rights and it is so clearly written in Black and White on a legal document that I signed.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccessibility of Funds and Substantial Financial Loss Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint on behalf of XXXX XXXX regarding the issues faced with his XXXX  account at XXXX XXXX XXXXXXXX. The purpose of this complaint is to bring to your attention the significant financial loss XXXX XXXX has suffered due to the banks failure to allow him to make wire transfers, despite assurances to the contrary. 

The relevant details of the complaint are as follows : 1. Account Information : Account Holders Name : XXXX XXXX Bank Name : XXXX XXXX XXXXXXXX Account Type : Savings Account 2. Timeline of Events : Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX attempted to initiate wire transfers from his XXXX  account. 
Initially, the bank cited Know Your Customer ( KYC ) verification as the reason for the inability to process the wire transfers. 
On [ Date ], XXXX XXXX spoke with a supervisor who assured him that the necessary steps would be taken to enable the wire transfers for an investment. 
Despite the supervisors assurance, XXXX XXXX remained unable to access his funds for the intended investment even after multiple attempts, including at least six phone calls to the bank. 
3. Financial Loss : Due to the banks failure to provide access to the funds as promised, XXXX XXXX has suffered a significant financial loss. 
The projected net loss of income resulting from the missed investment opportunity is estimated at {$250000.00}. 

We believe that these actions by XXXX XXXX  XXXX violate consumer protection regulations and may warrant investigation. We kindly request your assistance in resolving this matter promptly and ensuring that XXXX XXXX is compensated for the financial loss he has incurred. 

Enclosed with this complaint, you will find supporting documentation, including account statements, records of communication with the bank, and any other relevant evidence that substantiates our claims. 

We trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the situation. We appreciate your attention to this serious issue and look forward to a prompt resolution. 

Should you require any further information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I signed up for a care credit card which was offered through my doctor office for the use of my visits. At first, they charged me {$2.00} for interest in the first 1-2 years and there after the interest spiked to an exorbitant amount. Below, are the excessive fees that are applied to this card. 

Interest charges are the following : XXXX/XXXX/XXXX {$790.00} XXXX/XXXX/XXXX {$340.00} XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$63.00} Balance in XXXX XXXX ( prior to these large interest charges ) : {$2200.00} Current Balance as of XXXX XXXX : {$3000.00}
Product: Credit card or prepaid card

I have had a Best Buy Citibank account for nearly ten years. I set up autopayment to ensure my payments were made every month, but at the beginning of the year, those payments were cancelled without notifying me. I received a first past due notification in XX/XX/2022, and to prevent credit reporting, I paid off the balance in full ( {$550.00} ). I later received another past due notification in XXXX ( {$130.00} ) that was reported to the credit agency, dropping my score by over XXXX points. 

I disputed the credit report through XXXX, and I tried contacting Citibank to understand my options, and they said there wasn't anything they could do from their end. Note that I closed the account at this time. I then contacted XXXX and they said that wasn't true, Citibank should be able to help with a reporting issue. 

Once I called customer service at Best Buy Citibank back, they informed me that the sent a paper notification of the cancelled autopayments in XXXX to an old address, but could not tell me why specifically the autopayments were cancelled. 

Because autopayments were cancelled for an unknown reason, and without my knowledge, and I relied on those autopayments to ensure my account was up to date, I would hope there would be a workable solution to reverse the reporting. Especially since, when I became aware of the issue, I paid of the account in full, and then received further charges, again without my knowledge. 

It's very frustrating as a XXXX year customer with good payment history, that I am being penalized for an issue that started with the creditor 's action - cancelling autopayments- which is routinely advised as a safe way to ensure you are on top of your accounts. Moreover, I think I have made evident attempts to address any payment issues but have received little help or relief from the company itself, and that is also frustrating. 

I accept any charges, but I feel that my credit should not be penalized due to an issue stemming from a creditor 's action, especially because the source of the credit reporting is the creditor themselves. Especially after making an initial effort to pay off an account in full.