23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2016 I submitted my last mortgage payment in the amount of XXXX sa per statement received by the company. They received my funds and placed it in a suspense account. The mortgage company never advised me as to why the funds were in suspense. they in turn disbursed additional monies to my insurance. They never informed me about this and after several weeks I called them and I made after many phone calls to them they advised me that in error they made these payments from the escrow while my funds were sitting in the suspense account. 3 weeks later the escrow department called me and advised that they could not reverse the payout. They gave me a new amount due for after applying my funds they had in suspense. the amount quoted was XXXX as that 's what they claimed was disburse. Reluctantly, I submitted the XXXX. After several weeks, I called them and asked why I have not received my release of mortgage. They did not know and after several days they advised the XXXX was again sitting in a suspense account. They could not answer as to why. they advised that they will apply the funds and will call me next day. Another week passed by and they did not return the call. I called them on XXXX/XXXX/16 they advised they will look into it. I again called them on XXXX/XXXX/16. they advised they will resolve this this week. When I received my mail that same day, they returned my check advising the amount had gone up to XXXX with no explanation. They had my funds to pay in full however, they are not applying funds thus ruining my credit rating and not advising on the ongoing. This has been going on since XXXX, 2016 and no resolution on there part. they are now making harassing calls to my house threatening foreclosure actions. I have all documentation and bank statements showing checks sent and statements from them for payoff amount which i sent in and they placed in suspense
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my Gemini account to fraudulent investment firm ( s ).
Product: Credit card or prepaid card

Best buy citi card pre selected the option " box '' to opt us into paperless statements. Thus we had not received a paper statement and did not realize we had an outstanding balance which were not contacted about for almost 4 months. This has ruined our credit history and I believe it was deceitful on behalf of citi card to pre select this option thus affecting consumers who rely on paper statements to manage their payments.
Product: Student loan

I submitted an employment certification form to XXXX XXXX  and noticed that the number of qualifying payments was significantly less than the actual amount of payments I made. Some loans showed 9 qualifying payments while others showed 6, even though they were all handled under the same IDR and payments were collected on all loans at the same time through direct debit. When I submitted a request to XXXX on XX/XX/2018, they said they would check on it and let me know within 70-90 days. At the time I believed I had made at least 12 on time, qualifying payments. I was at the same government organization for the entire time and had already submitted an ECF the year before. I am still at that organization. I followed up on XX/XX/2018 after over 90 days and XXXX said it would take even longer. I have kept records and know I have submitted 18 qualifying payments at this point. I followed up with XXXX again on XX/XX/2018 ( 132 days later ) and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide documents that their company has on file to verify the accounts that I have disputed. Being that they have gone past the 30 day mark, and have not been verified these accounts, under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible thank you
Product: Credit card or prepaid card

On XX/XX/2021 a fraudulent : '' Emergency Cash Advance '' of {$1500.00} was billed to my Bank Of America Travel Rewards credit card. I noticed this charge on XX/XX/XXXX and promptly filed a dispute with Bank of America. The transaction occurred at a Bank of America branch somewhere in XXXX TX. I was in Maryland, where I live at the time of the transaction took place. 

A week later I got a letter from Bank of America informing me that my claim was denied. I called again and demanded they re-open the claim and explained to them that it was impossible for me to have made the charge. The representative state that they would re-open my claim and further investigate and examine video footage. Another week later I received another denial letter. They obviously did not do anything because the person who made the fraudulent charge was not me. 

So I called in a third time irate and told them that I did not make the cash withdrawal and they instructed me to furnish credit card statements from other cards I have that showed purchases I made in Maryland on the date of the fraudulent transaction that occurred in TX on XX/XX/XXXX, which I did. I also obtained a police report and sent in all the documents. They sent me a fraud statement form which I promptly filled out and returned and informed me that my claim was being re-opened. I also sent a certified letter with this documentation which was signed for on XX/XX/2021. 

I walked into the local branch to speak with a manager to see if he could do anything for me. He said he would personally reach out to the fraud team for me. However after one call, I have not heard back from him either after leaving multiple messages. 

Its not XX/XX/2021 and my claim status is still " claim being researched ''. Every time I call for a status they tell me nothing. Meanwhile I am being charged installments on this fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting a collection account on my credit report. This is causing my score to be REDUCED. Please remove collection account from my report.
Product: Credit reporting or other personal consumer reports

this information is not reporting on other credit bureaus XXXX XXXX XXXX  evidence is attached below
Product: Credit reporting

Transition is reporting to mortgages from XXXX as open owes XXXX dollars the account s have been paid in full and closed.please update asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX DBA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 usc 1692c that law clearly states, if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. If I'm not mistaken reporting to my consumer report is a form of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$2500.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXX XXXX XXXX XXXX XXXX  - Balance : {$1100.00} - Account # : XXXX XXXX XXXX - Balance : {$4500.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1800.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXXXXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
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 XXXX Acct Number : XXXXXXXX XXXX XXXX ACCT  Number : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX HAS VIOLATED MY RIGHT. 



: 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 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 XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 XXXX 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: Debt collection

I have no idea who the firm is and requested that they stop contacting me especially while at wok. This request was sent in a reply to the text messages they sent me. I have received numerous phone calls daily at work after this request.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing and reporting of several accounts on my credit report. Under 15 U.S.C. 1681d of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692cof the Fair Debt Collection Practices Act ( FDCPA ), I exercise my legal rights as a consumer to challenge and rectify this matter. 



I have never authorized the furnishing or reporting of the following accounts : 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 Under 15 U.S.C. 1681d, consumer reporting agencies must ensure the accuracy of the information provided and obtain lawful authorization before reporting any consumer account information. Additionally, 15 U.S.C. 1692c prohibits debt collectors from reporting or communicating unauthorized account information.

I respectfully request that your agency : 1. Conduct a thorough investigation into the reporting of these accounts.

2. Require the furnishers of these accounts to provide evidence of my authorization.

3. Remove these accounts from my credit report if no valid authorization can be produced.

Please provide written confirmation of your investigation results and any actions taken to correct my credit file.

Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX Navient enrolled me into a repayment program and i was making my scheduled payment however, nothing was credited to my account. Then they took my XXXX and XXXX tax refund for a total of what they stated I owed which was {$13000.00}. Now I'm having my wages garnished because they are saying i still owe {$12000.00}. I have spoken to the collection agency and sent them all my paperwork showing that i have paid. In order to stop the wage garnishment I have to pay 5 payments of {$87.00} on top of the 12 % they are taking out of my check which is over {$600.00} a month. Navient isn't helping me nor is Pioneer credit recovery. Neither company is showing any of the payments from the IRS, past payments or my wage garnishment payments. This isn't right, I can't support my family and I'm on the verge of loosing my apartment and car.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against American Express ( AMEX ) regarding inaccurate and unlawful credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my XXXX credit report, I have identified multiple FCRA violations related to a charged-off account ( Account Number : XXXX ) ** that is being reported incorrectly. These violations are negatively affecting my credit score and must be corrected immediately.

1. Repeated Charge-Off Reporting Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) My XXXX credit report shows that American Express is reporting the charge-off every month, which artificially extends the negative impact of the account. 
A charge-off is a one-time event, not an ongoing delinquency. 
Repeatedly reporting the charge-off status each month misrepresents my financial history and violates the FCRAs accuracy requirement. 
2. Inaccurate Balance and Past Due Amount Reporting Violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) AMEX reports a charge-off balance of {$2300.00}, yet it also continues to report an increasing past due amount.

Once an account is charged off, it is no longer past due unless contractually allowed and actively being billed.

This contradicts standard credit reporting rules and creates misleading credit information.

3. Re-Aging of Debt Violation of FCRA 1681c ( a ) ( 4 ) The charge-off account is being continuously updated as if it is a new delinquency, which is illegal under the FCRA. 
Negative accounts must be removed XXXX years from the original delinquency date. 
By updating the charge-off each month, AMEX is attempting to re-age the debt, thereby extending the reporting period beyond what is legally allowed.

4. Failure to Properly Update Account Status Violation of FCRA 1681s-2 ( a ) ( 2 ) The charge-off status update in XX/XX/XXXX should have reflected a finalized charge-off, but American Express continues to update it monthly .

Under FCRA, once a charge-off occurs, the account must not be reported as if new delinquencies are happening every month.

5. Inaccurate Removal Date Violation of FCRA 1681c ( a ) ( 4 ) The estimated removal date is listed as XX/XX/XXXX, but it is unclear whether this reflects the true original delinquency date. 
If AMEX has improperly re-aged the account, the reported removal date must be corrected to reflect the actual seven-year timeline. 
I am requesting that the Consumer Financial Protection Bureau investigate AMEX for these violations and take corrective action. Specifically, I demand : Immediate removal of this account from my XXXX credit report due to unlawful reporting practices. 
Assurance that AMEX will comply with FCRA regulations moving forward and prevent further harm to my credit profile.

If AMEX does not comply, I will escalate this complaint further by taking legal action under my rights as defined in the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting

XXXX XXXX XXXX XXXX continues to report a balance on an already satisfied in full account. Secondly, the amount being reported is entirely fictitious which has already been proven in the case I opened against XXXX in which the amount COULD NOT be verified and the derogatory credit marking was removed. XXXX XXXX has been contacted numerous times in an attempt to remedy this situation with all attempts being disregarded. A certified dispute letter was sent and return receipt verification did come back. This was even BEFORE they sent this fictitious account to XXXX. This in and of itself violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tryed to get a credit score. Put Experian will not give me one. And no other company will either please help I can not rent a house home apartment whatever without a credit score help help help
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, 2018 ) Since then the account has repeatedly been updated as charged off every month. It also has random Data no available and random payment history.This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX Account XXXX XXXX
Product: Mortgage

I received written notice from Freedom Mortgage Corporation on XX/XX/19 that servicing of my loan from J.G. Wentworth Home Lending, LLC was transferred to Freedom Mortgage effective XX/XX/19. Their notice indicated I needed to make all payments after XX/XX/19 to Freedom Mortgage, but they did not send me notice until XX/XX/19! I already made my current payment to JG Wentworth for XX/XX/2019. I have tried calling Freedom Mortgage, but their wait times are 25-30 minutes. I tried emailing through their online system, but their system limits characters so that only a brief sentence can be sent! Freedom Mortgage has gone out of its way to make themselves inaccessible to customers. Freedom Mortgage needs to get the XX/XX/XXXX payment from JG Wentworth since I paid them on time and neither Freedom Mortgage nor JG Wentworth gave me reasonable notice. ( Actually, JG Wentworth has yet to send me any kind of notice. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a FAFSA loan and when signing up for an account it says my SSN already in use, and showing I had a student loan during period of time that I was XXXX. Also missing stimulus checks that were paid to direct deposit while I was XXXX and I never received.
Product: Debt collection

I am receiving emails threatening to sue me as well as charge me with Bank Fraud Violation of Federal Law of Debt and Banking. Intentional Theft by Deception. 
I've never received anything in written handwriting only an email. I had XXXX on this quite a while ago about a year ago XXXX XXXX and now we're sending me threatening emails.
Product: Credit reporting or other personal consumer reports

I wish to contest the accuracy of certain information on my credit report, which does not accurately reflect my financial records. This misrepresentation is a breach of the Fair Credit Reporting Act, specifically under Section 15 U.S.C. 1681e ( b ), obligating credit reporting agencies to ensure the accuracy of the information they compile about individuals. Enclosed are the documents that demonstrate these inaccuracies. I request an immediate investigation and the rectification of these discrepancies.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX Account Number : XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  Account XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX
Product: Debt collection

I am a consumer as defined in federal law 15 U.S. Code 1692a ( 3 ). On XX/XX/2020, I discovered that a debt collector, ALDOUS AND ASSOCIATESXXXX  reported that I owe {$150.00} to the original creditor XXXX XXXX. In response, I sent a debt validation letter the same day to XXXX XXXX XXXX XXXX, UT XXXX, pursuant to 15 U.S. Code 1692g. I have not received a written notice nor any other form of communication in response to the debt validation request letter I sent on XX/XX/2020.