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

XXXX XXXX, I have mailed out XXXX different dispute letters to Experian and XXXX yet again i have received an email XXXX XXXX from Experian disregarding my dispute letters yet again. by law this is wrong on all levels. I can't get no loans, new credit, or lines of credit because of the inaccurate information they are housing or may I add illegally furnishing. month after month I try writing them of these things and to my surprise I get turn down or have to result to making complaints of this matter and I'm getting tired of the back and forward with me having to take matters like this to get heard. this is disappointing and a violation of my rights under the consumer law. I will upload the two letters I sent and they response back. XXXX is the only reporting agency that took me seriously and took all negative items off of my consumer report when writing to them of the inaccurate information. XXXX and Experian are not following the rules of the law and delaying me as giving me the run around and now I'm taken legal action against them.
Product: Debt collection

Hunter Warfield has been sending communications via email stating that a debt is owed to them in the amount of {$5000.00}. They threaten that the total amount owed will continue to incur interest at a rate of 6.00 % if debt is not paid. I do not owe this company any money, nor do I have a debt to this company. Ive requested for them to produce an original contract between them and I stating that I agree to pay them and a debt is owed, but they have not been able to produce such documents. Yet, they have posted this on my credit report causing my credit score to significantly decrease and cause denial of credit from creditors which has damaged my livelihood. This action is tax fraud and illegal.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report I have no knowledge of.
Product: Checking or savings account

A check cashed at Chase Bank was reversed after the check cleared. On XX/XX/2022, I cashed a check from XXXX XXXX in the amount of {$3200.00}. The funds were on hold for two business days then made available on Monday, XX/XX/2022. On Wednesday, XX/XX/2022, I noticed funds were overdrawn on my account. After calling Chase Bank, they mentioned a stop check was done on Tuesday, XX/XX/XXXX by XXXX XXXX and the funds deposited into my account were reversed. I asked how the funds were reversed after it cleared and the Chase representative said she did not know. I then spoke to a lead representative with Chase and he said the same thing, he didn't know. From my understanding, once a check clears, you can not reverse payment. Chase acted unlawfully by reversing payment after the check cleared on Monday, XX/XX/2022. I would like the {$3200.00} deposited back into my business account as soon as possible.The NSF fee of {$34.00} should also be credited back into my account.
Product: Credit reporting or other personal consumer reports

I discovered many unauthorized inquiries on my report XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 I disputed this debt. I have never signed a contract. I don't know who this company is. I have not done business with this company. I do not owe this company.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf regarding inaccurate late payment entries on my credit record. After reviewing my report, I discovered these late payment notations. However, despite sending letters requesting validation over XXXX days ago, I have not received a response from the creditors, and they have failed to provide satisfactory validation for these reported late payments. I kindly request your assistance in resolving this matter promptly.
Product: Credit card or prepaid card

After speaking with Discover Card regarding their illegal activity ( pulling from a known closed checking account ) I filed a complaint with the CFPB. Subsequently, Discover Card has maliciously closed my account. 

Discover Card clearly must be audited for their illegal and discriminatory practice 's. Consumers have a right to dispute charges as well as file a complaint without having to feel their account, credit, or access to credit will be put into jeopardy.
Product: Mortgage

My complaint is about United Wholesale Mortgage and they way they are managing my payments and how after 4hrs of phone calls on XXXX for XXXXsec. XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX forXXXX sec, XXXX for XXXX secs for a total of 4 hours and 6 minutes wasted. All these calls were recorded by me and them. Still, I can't get an accurate amortization schedule. I wanted my amortization statement to reflect my monthly payment of {$1200.00} with an additional principal payment of {$450.00} monthly and NOT having my additional principal as a monthly payment but only as additional principal. 
I've spoken to their reps each time and was transfered to their escalation dept. with no one being able to help my get an accurate amortization schedule. Then I demanded to speak with their superior, they told me they had no superior. I was told this 3 separate times on three separate calls. After I called again, I was connected to an EXECUTIVE in the escalation dept that said they had no superiors I could speak to. When I told the executive that fact they couldn't understand why they would send my demand upwards. I was sent 2 schedules and both were seriously flawed. Wrong monthly payments, wrong principal payments etc. I will attach these where you allow it in this complaint. Their website amortization schedule calculator is also seriously flawed. I was told they knew this already but haven't fixed it yet. My monthly payments are not being recorded accurately either. I pay extra additional principal payments each month. There site shows all my payments as addition principal instead of recording my monthly payment as a monthly payment and I have to call them every month to adjust the payments they recorded to reflect a monthly payment and the additional principal payments as additional principal payments that shows my payment activity is where you can see what I mean. I will include the screenshots of this site where allowed also. You will clearly see how many times they had to adjust my payment info to mirror what I was actually doing. The last entry on XXXX additional payment was a single payment of {$2900.00} yet was recorded as 2 separate payments of {$1700.00} and one for {$1200.00}. I complained about this and it has not been fixed. I find their incompetence unnerving to say the least.
Product: Credit reporting or other personal consumer reports

I have identified the reporting information on my report that are a result of identity theft. these information are not related to any transactions by me. 
PLEASE DELETE following INQUIRIES XXXX XXXX XX/XX/23, XXXX XXXX XX/XX/23XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Paid off a 0 % interest Lowes/synchrony credit card, had a payment auto scheduled so even though the balance on my card was {$0.00} they still took {$1000.00} dollars from my checking account. This very clearly states will not happen on their faqs. When I called to complain they said I would have to prove that the amount was withdrawn and then after I " proved it was removed '' in approx 15 days they would send me a check. Not acceptable on any planet. They also send they couldn't send it back eclectronically which is of course ridiculous. Clearly they are wagering on people not getting the check or cashing it. IF they can just take money out willy nilly surely they can put it back.
Product: Debt collection

Common Wealth Financial has reported a Collection account on my credit reports for {$180.00} that does not belong to me. This has caused my credit score to drop and is causing issues. This does not belong to me. I have never received any communication from them regarding this matter nor do I know anything about it.
Product: Credit card or prepaid card

Good afternoon, In XXXX or XXXX, I called Bank of America to pay off my card in full. I've had the account for many years with no delinquency whatsoever... the account ends in XXXX. 
I spoke to someone on the phone who gave me the amount to pay. I provided this person with my new mailing address, and let them know my phone number and email was unchanged. 
I mailed funds, matching the amount I was provided. The check cleared. 
Over sixty days later, I received a credit alert that BofA was reporting me XXXX days delinquent. Since I'd mailed the funds ( around {$4900.00} ), I'd received no mail from BofA, no text messages, no phone calls, and no emails. No communication whatsoever. 
I called BofA on XX/XX/2022, and was informed that there'd been around {$89.00} left on my account, and that considering late fees and penalties, I now owed over {$210.00}. I paid the full amount they requested ( despite never being notified ) and closed the account ( again ). However, the customer service representative ( XXXX XXXX told me that BofA would continue to report my credit delinquent, XXXX days.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Unauthorized charges from XXXX showed up on my transaction history on money lion checking accout while I was in the hospital I told them I never made these transactions. Money lion said they would investigate after they said no error occurred. They refused give me my money back. I spoke with doordash they said they needed money lion to confirm the transactions and that money lion can dispute the charges for XXXX  to pay it back but I can't get them to budge I'm on a fixed income and was literally robbed.
Product: Student loan

I am concerned with predatory practices which took place over 20 years ago. I was a federal student loan recipient and when I graduated from medical school I was told to consolidate. I chose AES to do the consolidation. As a 20 something who was facing 100K+ student loan debt I agreed to go with the company. I did not realize that I would never be afforded the same rights and protections as a federal loan recipient. I have been dutifully been paying for 20 years and had to refinance part with another lender last year for better interest rates. They would never speak with me about lowering interest rates, and split my payments so the majority went to interest. After 20 years I still owe approximately XXXX. On several occasions through the years my payments were misapplied ( due to my online bill pay being used and not their website ), and when I called they were " fixed ''. I also had to go only to their website to pay or they would split payments. When I requested a full transcript last year during refinance none of these errors were noted. I feel like they have adjusted the transcript to not accurately reflect my account. The one loan I could not refinance is because they say it was not an education loan. They would not admit that it was for a XXXX XXXX Assistance XXXX ( XXXX ) as it was used to pay off a XXXX loan. So its a new loan and I had to keep it with them! I don't know what to do besides to keep on paying however when I read about your department today i thought I would report it. I figure I am stuck and I understand that but I believe AES/PHEAA were dishonest with me years ago to my detriment and the detriment of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, And XXXX to investigate accounts. Theyve came back to say the items were updated and verified. 
According to 15 USC 1681i - Experian, XXXX and XXXX have 30 days to investigate and send me my results and also update the account information as disputed which they did not and are violation. According to the FCRA I am entitled to {$1000.00} per violation evidence below. XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX XXXX Balance : {$220.00} ; CXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

There have been so many challenges working with Huntington, poor communication, many unexpected delays on their part, redundancies, and overall poor processing. Weve done everything to try and get things done asap, but its been so time-consuming and mentally exhausting! We are very disappointed in Huntington! We went into this process in good faith, having worked with Huntington Bank many times ( it was always a good experience ), but since XXXX XXXX retired from Huntington, its not the same! We lost a {$3000.00} earnest money deposit and other expenses because sellers did not want to extend the contract ; it was not their fault, but it is Huntingtons fault. Huntington Mortgage had 45+ days to process the mortgage and still could not deliver. We were constantly told they needed more time or theyd ask for a document that was already provided. Huntington Mortgage used excuse after excuse, dangling the carrot of were so close, were going to get this done ; its a rush! Only to miss their own deadline for a clear to close!
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Improper Reinsertion of Deleted Account XXXX XXXX XXXX Dear CFPB Representatives, I am writing to file a formal complaint against EQUIFAX for the improper reinsertion of a previously deleted account into my credit report. The account in question is XXXX XXXX XXXX, which was removed following a successful dispute and has now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ). Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion. 2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me. 3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction. 4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions. 5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me. Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to EQUIFAX failure to comply with the law. Requested Action by the CFPB : 1. Investigate the improper reinsertion of the account XXXX XXXX XXXX. XXXX. Require EQUIFAX to immediately and permanently delete the account from my credit report. 3. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion. 4. Take corrective actions against EQUIFAX to prevent such occurrences in the future. I have attached copies of relevant documents, including : A copy of my current credit report showing the reinserted account. Previous correspondence related to the dispute of this account. Evidence that the account was previously deleted. I appreciate your attention to this matter and look forward to your prompt response and resolution. I am available to provide any additional information needed during your investigation. Sincerely : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus on XX/XX/2023 most recently trying to exhaust all options and I still have incorrect personal information on my credit report.
Product: Checking or savings account

On XX/XX/XXXX XXXX, I went to MUFG Union Bank XXXX Branch ( XXXX XXXX XXXX, XXXX, CA XXXX ) and using their ATM for a cash deposit. I counted my cash in the car for {$5000.00} with 50 of {$100.00} bills. I went to the ATM inserted my card, select deposit cash, the ATM states it can take up to XXXX bills, which is exactly the amount of bill. After the ATM received my cash, it immediately reported there's a technical issue and non of my money can be returned. It was after business hours and I tried every number that could contact Union Bank. What amazed me is Union Bank does not even have a 24/7 customer service. More stunning is the customer service does not accept phone calls on Sundays. I was helpless and standing at front of the ATM for a long time. They only offer 24 hours service to their " credit card users '' and the guy refused to assist me because I had a debit card and it was an ATM issue. I'm due for rent and car loan tomorrow. I can't even take the cash back and deposit to my other bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX 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 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: Checking or savings account

Bank of America has kept on accumulating fees because merchants attempted to take money out of my account. Its been piling up for months and I have no money to pay these fees. I had asked them to block these companies and they told me that itll cost {$30.00} per stop payment, which I do not have.
Product: Checking or savings account

I filed a dispute on XX/XX/year> for an XXXX transaction for non receipt of services. After XXXX business days I did not receive provisional credit yet was quoted Reg E. I contacted them now 3 separate times after the 10 business day period including just now. They are in violation of Reg E. Additionally when Ive been told theyll send me follow up info on my claim and credit, Ive yet to receive it. Each rep tells me something different. The last rep stated no request for info was entered whereas the 2 prior said they did.
Product: Credit card or prepaid card

I ended up losing my card about two weeks ago and Citi gave me a virtual number to use while I waited for my card. 

Made purchase and the scam company then locked my account. 

Date : XX/XX/XXXX Price : {$610.00} I called and they didn't really understand XXXX process of replacement card number, original acount ( that was lost ), and XXXX Virtual number. 

I used the Viritual number then later I merchant locked me out of my account. They don't help on the phone either,
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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: Debt collection

I reviewed my credit report, and notice that AFNI was reporting a collection account that did not belong to me. I initially reach out to AFNI requesting this account be removed or proof that this account belongs to me. Instead AFNI sent me a computer print out with someone else name on the documents. I later followed up with two more letters requesting this alleged debt be removed from my credit report or proof that it belong to me. I have not received any documents showing this debt belong to me and the collection account is still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has reported XXXX collection amounts to Transworld {$760.00} & {$780.00} I have disputed these charges multiple times the disputed amounts remain " unchanged. " The core issue is that the charges were not accurate from the beginning each charge entry was not aligned with the contracted agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The applied charges did not match the acceptable charges agreed upon.