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

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Mortgage

I own a house and a mortgage. I pay PMI insurance. I do not want to pay PMI insurance after I have reached the required 80 % loan to value ratio. I have reached the required loan to value ratio of 80 %. Ocwen owns my loan. They say I need to pay {$440.00} to have my house appraised before they can get rid of my PMI insurance. None of this was disclosed to me and want to know if it is legal for them to require an appraisal in order to opt out of paying the PMI insurance.
Product: Credit reporting or other personal consumer reports

I am writing to delete following items on my file. The items I need deleted are listed in the report. I am a victum to identity theft and I did not make this charge. I ask that these items to be deleted to correct my credit report. I reported the theft of my identity to Federal Trade Commission and I also enclosed copies of Federal Trades Commision Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I paid Chase in the final payment for the settlement agreement. In XXXX XXXX I receive the letter of agreement for the final payment. I wanted to make sure that my credit history was all set and it would be off of my credit history but it wasn't not. When I checked with XXXX  on XXXX XXXX they told me that it was charged off when it was paid off. I called chase XX/XX/XXXX and they told me it was charged off as of XX/XX/XXXX which I was unaware of aslso I didn't recieved any letter that it was written as a charge off and was told even if I paid the whole debt off they still will not remove the charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. I HAVE INFORMED THE EQUIFAX BUREAU OF AND THE CREDITOR THAT I HAVE BEEN A VICTIM OF IDENITITY THEFT AND I HAVE SENT CERITIFIED LETTERS XX/XX/2017 ASKING FOR THE DEBT VALIDATION AND VERIFICATION OF WHEN THE ACTUAL CONTRACTUAL AGREEMENT WAS SIGNED WITH MY ORIGINAL SIGNATURE AND I HAVE NEVER RECEIVED A SINGLE RESPONSE JUST A SETTLEMENT LETTER. I HAVE NEVER SHOPPED AT XXXX XXXX XXXX FOR ANY ITEMS. I HAVE WENT THROUGH ALL THE PROPER CHANNELS IN RESOLVING THIS MATTER AND NOW I AM MY LAST STRAW. MY IDENTITY HAS BEEN USED AND STOLEN BY SOMEONE I DO NOT KNOW AND EVEN THE EQUIFAX BUREAU CONTINUES TO PUT THESE WRONG ADDRESSES ON MY CREDIT FILE THAT I HAVE NEVER LIVED AT. THIS IS TRULY BECOMING A NUISANCE TO ME. I KNOW SOMETIMES BAD THINGS HAPPEN TO GOOD PEOPLE BUT THIS IS UNFORTUNATE I HAVE TO SUFFER ON THE COUNT OF SOME CROOK WANTS TO DEFRAUD THE SYSTEM. DURING THE TIME THIS ALLEGE ACCOUNT WAS OPENED I WAS CARING FOR MY AILING FATHER AND COULDN'T LEAVE HIS BEDSIDE BUT I TRULY WANT TO KNOW HOW THIS FRIVOULOUS REPORTING CAN CONTINUE.
Product: Debt collection

XXXX XXXX has repeatedly billed me for a {$50.00} copay that was collected by their employee at the XXXX location on XXXX XXXX in XXXX XXXX XXXX. This was for a XXXX XXXX XXXX XXXX XXXX  and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX covered most of the cost but their employee said there was a {$50.00} copay that we could pay her or get billed for ( NOT BOTH ). So we paid her {$50.00} cash because her XXXX XXXX was " down ''
Product: Mortgage

I scheduled a payment with Myloancare on XX/XX/XXXX. It showed my payment has submitted but hasnt been deducted from my bank account yet. I just want to make sure it goes through so it wont hurt my credit or our home.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I referred a family member to AmEx but did not receive the referral bonus when that person opened a new American Express credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX They gave me a hard inquiry from some place in Arizona and I have called and talked to them and they said they have no auto loan account connected to my name or social and they cant get ahold of the place that ran my credit to find out how they were able to run my credit with out my knowledge and without me applying for anything. 
700CR/XXXX XXXX XXXX  Inquiry : XX/XX/2022 - Automotive ( XXXX ) XXXX The number I called the lady told me she cant help me and I cant talk to the owner I already filed a complaint. Not sure how they ran my credit but I didnt apply for anything with them
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Indigo Mastercard- Does not apply payments to available balance after taking the money from the consumers bank account. 
Payments made during the billing cycle are taken from my bank right away.

They are listed as payment posted on the account. But they do not apply them to the available balance for 2 or more weeks, and usually not until the next billing cycle starts regardless of how early the payment is made. They set the account to 0 balance with no available credit when it has been paid off in full. They charge fees that the account is over when they have already taken the payment out of my bank account and listed it as posted weeks beforehand. 
I have called them about it and they will not correct it. Instead they locked the card even though it was paid off and I had to spend hours on the phone to get it unlocked. 
It has been going on for months.
Product: Credit reporting

I have submitted information several times to Equifax regarding a  XXXX   XXXX  dispute but they still refuse to correct the problem.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX XX/XX/year> ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a Collections account. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer report. I have attached a list of the Collection Account in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. This aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case number- XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi I am XXXX XXXX, I have transferred money to my brother In Law ( XXXX XXXX ) to his bank account in XXXX on XX/XX/2020. Remitly showing that money was delivered XX/XX/2020 but my brother check his bank account the confirmed XXXX  money wasnt delivered yet. I am try to contact their customer service which is not available, they said online chatting is available but I tried so many times I couldn't reach them. I text on XXXX XXXX and XXXX  page they did't response. I want to know what happened. Why is this taking longer time to deliver?
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : 1. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX  XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX GA Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account Number : XXXX
Product: Credit reporting

i had service with XXXX. I use to pay my bill at store. until somebody used my personal information and payed online with checks from other victims while i was giving cash to this person because i was busy working. Also, XXXX fraud specialist team did not solved a fraudulent transaction from a moving truck company in other state way far from my origin state ( CA ). they gave me a new card and put my balance back to how it was before the fraudulent activity and a month after the same truck moving company took the same amount as the first transaction.
Product: Student loan

When I first went to XXXX XXXX in XXXX, MA, they had told me how they would place me in a job in that field. I completed in XXXX with a XXXX. That never helped me in obtaining a secure employment in that field. I ended up working for temp angencies. Then I became XXXX in XXXX and have been out of work since. My loans were through Sally Mae. They have been taking money out of my benefits since XXXX. I 'm should be getting $ XXXX mth but I actually only receive $ XXXX mth. I 'm a single parent trying to find a way to get back to work but it has been hard with my XXXX. I also tried to go back to the XXXX XXXX for my XXXX because they told me that they were now accredited and I would be able to transfer credits to XXXX XXXX XXXX. I went for about two weeks and just could n't make it to classes because of my XXXX. When I went to tell them this and needed to drop out. I was told that I would still have to pay. I am barely making ends meet with the income that I receive, I do n't need these loans huvering over my head. Especially when I 'm trying to get my credit straight as well. I want my loans to be Discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/15 there was a judgment that was put on my credit report that I have been saying all along was false information that I had my proof it was satisfied when I went to court and they put on my report as not being paid I got my proof from the courts that this has been satisfied and should not be on my credit file I did not get evicted the XXXX court sent me what I needed to clear this up thank you
Product: Credit card or prepaid card

The Truist Visa card has only been opened a very short time. In this time though there has been many problems regarding the flow of charges on the card. There are often several charges for the same charge even after cleared the same charge doesn't clear in the pending and status remains on the info I see online. This is also a problem experienced several times when shopping where the cashier returns my card and said it was declined although it should not be. Every week there are double or triple purchases and refunds pending on the card and it doesn't consistently stay accurate to the spending and refunds only for how this card is being used. This is troubling and needs attention.
Product: Credit card

I have a AAdvantage credit card with CITIBANK. XX/XX/XXXX, I took a Balance Transfer offer, for which I paid a fee of XXXX % over the amount of the transfer and have until XXXX/XXXX/XXXX to repay the balance transfer without interest. 
I have since then been paying in full for all new purchases made in the month included in the statement plus an extra amount to repay the balance transfer ahead of the XXXX/XXXX/XXXX interest free deadline. However, CITI is charging an interest over the new purchases made in the month included in the statement because while I am paying in full the new purchases, I am not paying in full the new balance that includes the Balance Transfer ( although I supposedly had until XXXX/XXXX/XXXX to pay it back ). 
I was just on the phone with CITI and they claim that this was disclosed as part of the Terms of the Balance Transfer offer, and probably it was. However, that means that the Balance Transfer offer was deceiving to say the least.
Product: Debt collection

I had a XXXX 's credit card account for several years. In XX/XX/XXXX My wife and I divorced and as part of the settlement I paid off all credit card debt including XXXX 's. I did not use the card after that time. Because there was a XXXX balance on the account, I did not expect to receive any statements. In XX/XX/XXXX I was prompted to pull my credit report when a credit card I actively use sent me a notice they were lowering my limit. To my dismay, I discovered that XXXX  's as well as XXXX XXXX and XXXX XXXX all had balances on them and were 90 -120 days delinquent. I contacted all of these companies and discovered my ex-wife had conducted an account take over on all these accounts. She changed the address, phone number and email address to her contact information. All statements and attempts to collect debt were going directly to her. I had no knowledge of this activity until I pulled my credit report. What she had done was essentially use the cards and pay the min payment until they were maxed out and then stopped paying. I worked with XXXX   XXXX and XXXX XXXX who both determined it was fraud and reversed all negative credit reporting as well as remove the balance as a debt I owe. I have tried to the same with XXXX 's and they refuse to work with me. In fact they charged me almost {$200.00} for me to order statements I never received since the address on the account was not mine ( again, fraud ). I had to have those statements so I could itemize all disputed items. Every transaction was completed online and shipped to an address I never lived. I filled out the fraud dispute and sent them a picture of my DL as requested. In the meantime they continued to charge me late fees and charged off the credit card balance. What started off as a {$600.00} balance has ballooned to over {$1000.00} due to fees and the amount of money they charged me for statements. They will not honor my fraud claim. I can even prove with lease agreements that I did not live at the address everything was sent to. The email address attached to my account was my ex-wife 's name. Its very clear this is fraud. I'm a United States XXXX XXXX veteran who served XXXX XXXX in XXXX and XXXX in the XXXX XXXX  XXXX. XXXX  's unwillingness to recognize this as fraud, remove the debt and reverse the charge off and all late payments that are a result of this fraud are not only impacting my XXXX, but my ability to qualify for a VA loan so I can purchase a home of my own.
Product: Credit reporting or other personal consumer reports

EXPERIAN is violating my consumer rights set forth by the FCRA. I have notified EXPERIAN by phone and letter that my consumer report contains inaccurate, fraudulent and unverifiable data. On XX/XX/XXXX at XXXX, I was told " the security and privacy of your information is important to us. '' EXPERIAN rep XXXX XXXX stated she would transfer me to disputes who can remove ANY personal information or account. '' However, XXXX in the EXPERIAN disputes department, harassed me as I filed my dispute. He said EXPERIAN is NOT responsible for verifying information accuracy. The " Understanding the Fair Credit Reporting Act '' article on EXPERIAN 's website says otherwise. It reads, " consumer reporting agencies MUST correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information MUST be REMOVED or corrected usually within 30 days. I mailed letters addressing the inaccurate, incomplete, and unverifiable information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. EXPERIAN provided a response to each of these requests stating the inaccurate, incomplete, and XXXX XXXX for XXXX Bank XXXX XXXX XXXX payments ), WF/Dillard ( XXXX XXXX XXXX, XXXX Funding ( XXXX fraudulent collection accounts ), Webbank/Fingerhut ( charge-off ), Premier XXXX XXXX XXXX charge-off ) and CB Indigo ( charge-off ) ALL came back verified and/or complied with FCRA. They repeatedly failed to provide verification proof as requested. Per XXXX XXXX XXXX - consumer reporting agency XXXX only report convictions of crimes over XXXX XXXX XXXX. This doesn't include late payments or charge-offs. So, ALL late payments MUST be deleted. Charge-offs are INCOME filed on form XXXX or XXXX, per IRS guidelines. They should NEVER be reported on a consumer report which only shows DEBT. The MUST be deleted. XXXX XXXX XXXX says accounts reported as ID theft MUST be removed w/in XXXX business days of being identified as such by the consumer. XXXX accounts are ID theft. XXXX CFR XXXX defines ID theft as use of information identifying me without my authority. I never contracted with any collection agency, and I did NOT give them permission to report or use my identifying information. These MUST be deleted as well. 

I also asked for EXPERIAN to correct my personal information. The ONLY name that should be on the report is XXXX XXXX. The address should be XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The ONLY phone number should be XXXX. XXXX XXXX XXXX says EXPERIAN needs my written permission to report any information within my report. I have not provided written consent to any personal information, thus anything else outside of the aforementioned personal information MUST be removed.
Product: Student loan

I was in a loan forgiveness program that didnt require me to make monthly payments. After a year I had to re-qualify for the program. During that process my account was in forbearance. I was never alerted that I was then required to start making monthly payments. Even though my income never changed from my initial approval. I now show 6 missed payments on my credit history and I would like those removed. I am now current with the company after being placed BACK in forbearance but they wont remove the 6 previous missed payments. Online it still says that Im in forbearance and that it will expire soon, so I should have no missed payments.
Product: Checking or savings account

I was charged for XXXX Dollars by XXXX XXXX in XXXX texas on my debit card after it was stolen on a cruise. i tried to get the claim filed and they just denied it. i tried again and they kept sending me through loops to not reimburse me and now they are telling me since it has been a year on the transaction they cant reimburse me at all. they stalled me out for a year to use that as an excuse and now wont help me at all.