23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loancare LLC is charging me for " hazard insurance '' products that I did not request, approve, or was notified of. I have sufficient comprehensive insurance through my insurance company. In the past 2 months, they have taken {$900.00} out of my checking account, without my consent. I filed this with the XXXX as well, but was told it'll take 30 days for the business to review, and I can't afford to lose almost a thousand dollars while they take their time reviewing. I'm not made of money, and will end up having to sell my house if they keep this up! They've already settled this issue with others years ago, and are back to their bad practices. 

This is also posted under XXXX CASE # : XXXX
Product: Mortgage

On XX/XX/XXXX, I submitted a complaint about Nationstar to the CFPB because Nationstar increased my PMI and monthly impound payments by almost {$300.00} per month and could not explain it. They sent erroneous impound statements and could not explain them. The CFPB case number was XXXX ( their XX/XX/XXXX response is in that file, so you already have all the documentation needed ). Nationstar finally responded on XX/XX/XXXX. THANK YOU CFPB! Your presence gave them a reason to care that they actually DID overcharge me by OVER {$2500.00} per year for FHAMIP. However, during the waiting period for them to respond, I kept trying to figure out HOW my impound was short and why I would be forced to pay the escrow " cushion '' since we had JUST REFINANCED with PLENTY of impound money. What I discovered was that they paid {$1400.00} XXXX for my annual homeowners/hazard insurance. I called and was on the phone for XXXX hours on a XXXX call with Nationstar and my insurance company because they could not explain why the escrow statements showed it paid XXXX. Nationstar paid it once in XXXX, then once in XXXX ; however, my insurance company, XXXX, only showed it paid once in XXXX. We learned that Nationstar sent the XXXX payment to some semi-related insurance company in Florida. Then we got on a XXXX call with the Florida insurance company and got the refund check processing started. So the WHAT IS THE NEW COMPLAINT? Nationstar 's XX/XX/XXXX CFPB response adjusted for the incorrect FHAMIP, but they are still charging me a higher monthly payment for a " cushion '' because they think I will be short by {$1000.00} in XX/XX/XXXX when the next insurance premium is due. They over paid my insurance by {$1400.00} and did not account for it in their response or calculations, and now I am somehow short by {$1000.00}??? Coincidence? I think not. PLEASE get them to FIX their mistake and stop overcharging me because THEY CAN NOT DO THEIR JOBS!!! This is nuts! Who else are they doing this to?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Credit Card Holding Account # XXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXXXXXXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Credit card or prepaid card

My credit card was stolen in XXXX XXXX and fraudulent purchases were made on my account. I reported the theft and unauthorized charges to BBVA and was told they would open a dispute into those charges and take them off of my account. Months went by and I received no response, resolution, or deletion of charges from my account. Instead, BBVA hit me with Late Fees, and Interest Charges despite my having reported the fraud and offering a police report. 

XXXX XXXX I followed up on the dispute given I had still seen the charges on my account and subsequently charges that were added, as well as a negative impact on my credit. A representative assured me that he would file a new dispute on my behalf for this and that unlike last time, the process would be expedited. 

We are now in XX/XX/XXXX and that has not been done. BBVA has not only charged me for 4 months worth of late payments and interest charges, they also closed my account without communication and are illegally withholding my security deposit for my account. I have spoken to multiple agents who confirm BBVA made a " mistake '' in charges and the closure of my account yet refuse to rectify the issues in real time and maintain there's a network of different " departments '' who need to process the solution. 

I have opened a total of 7-8 cases with BBVA and have stayed on the phone with customer service for hours on end attempting to get answers and resolutions to their deceitful actions. I have been consistently hung up on, placed on excessively long wait times, denied access and communication to upper management, executives, corporate, and escalations.

I have been robbed. My credit has been ruined, and BBVA has chosen to hide behind a network of non communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Product: Credit card or prepaid card

On XX/XX/23 I noticed that my chase sapphire reserve card ending in XXXX was closed. I reported to my credit bureau that the account was in fact open and that I applied and approved the application for the card. Further on XX/XX/23 chase closed my account for fraudulent activity per one representative. I had neither called in nor did I report the account as fraud. The account was used on a trip and the account was used to purchase a treadmill in which I approved all transactions. I called the sapphire team to alert that my account was closed and was told then by a representative that the account was report stolen. But I never reported the account as stolen as I explained the card was in my possession. Again I stated that yes I applied for the card. I was then asked to t send in documentation proving my identity in which I provided a SSC copy front and back, a DL front and back, and a billing statement with my name current address as proof I was who I said I was. 2 weeks later I phoned again and was told on XX/XX/23 that my card was with the recovery team. On XX/XX/23 I called again and was rudely told by a customer service representative that my account was closed and would not be reopened the deemed it as fraud and could not prove my identity with the documentation I provided. When asked for an explanation I was told that they do not have to tell me anything. I have an extended fraud alert on my credit so I in fact was at least due a call by the team to inform me of something but they did not. I had been waiting on this card a long time and was really excited. The way the situation was handled was very unprofessional and rude. When asked for documentation I provided it and anything else asked to recover my account yet the person over the account did not reach out to confirm or explain anything to me.even though I stated several times this was a legitimate application and I applied for it.. I also added my fianc as a authorized user and neither of us reported the card. The only thing that varies was the address as i just purchased a new home.The card was deemed closed on my credit report before the bank said fraudulent activity. And then they removed the remark. I would like someone to further investigate this matter.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I paid off my account with Money Lion Moneyplus Loan account in FULL!! Once the account was paid in full, then the account was closed a few days later which is how their process works. Moneylion just reported on my credit report that the account is closed but was 30 days delinquent when it was closed and this is NOT true. Also to note, the account was not an account that was closed then paid off. It was paid off and only closed because the balance was paid in FULL!!! Which is what they always do once an account is paid off. They are not reporting the most up to date account status at the time of closing for this account. 

I have included supporting documentation to confirm that the account was paid off as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. 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 : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXX XXXX Owed : {$49000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Approximately a year ago I received a bill from a creditor stating I owed {$400.00} that was taken out with " Comenity Capital Bank BJ 's. I immediately contacted XXXX and asked that an investigation be conducted. I also contacted the creditor and asked what this was all about since I never opened a credit card with BJ 's, but did have a membership that was opened on XXXX. The creditor insisted that it was opened by me at which time I asked for them to send me the location of the store where the card was opened so I can report the incident to my local police department. Unfortunately I have yet to get this information. I am attaching two of the harassing bills that they have sent me, one of which I am being threatened, as they state they will take legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX General Counsel, Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Dispute regarding inaccurate information on my credit report. 

Dear Experian, I am writing to formally dispute in accurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer financial protection bureau filed the lawsuit against Experian, for it failure to properly investigate, consumers, disputes, citing Sham investigations and other unlawful practices. 
These practices, as outlined by the CFPB, include : Conducting in adequate investigations that fail to address consumer disputes properly. 
Reinstating previously disputed and in accurate information without explanation. 
Fail to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute, may be handled in a similar manner. 
Please review the inaccurate information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed ( certified mail ) a letter to Transunion credit bureau inquiring about negative information reported by " US BKPT CT PA XXXX '' in the file that they maintain under my Social Security number. I challenged the inaccuracy of this information and requested that within 30 days that they provide me with copies of any documentation associated with this supposed account, bearing my signature as well as information about their method of verification. They received and signed for the letter on XX/XX/2020. They did not indicate on my credit report that this item was in dispute, still, as of XX/XX/2020. They mailed me a response stating that they " verified '' the information via US BANKRUPTCY COURT, but did not say exactly who verified it for them or their contact information. I mailed them another letter in turn on XX/XX/2020 to dispute this information. I included with the letter also a copy of a statement from the clerk of courts stating that they do not verify public records to credit bureaus. This letter was received and signed for on XX/XX/2020. I received a reply from them dated XX/XX/2020, which was simply another copy of the credit report stating that the information is " verified as accurate by US Bankruptcy Court. '' Again, I mailed them a copy of the statement from the Clerk of Courts verifying that the court does NOT verify public records, so how can they possibly verify this supposed bankruptcy via the court? This is an inaccuracy in reporting and per FCRA, this information must be removed from my report immediately. In addition, they broke the law by not indicating on my consumer credit report that I am actively disputing this item. I have attached several documents for review and proof. I have attached two letters that I drafted to Transunion, as well as their responses. I have attached the letter I received from XXXX XXXX and the US Bankruptcy Court. I have also attached a copy of my credit report dated XX/XX/2020 which clearly shows that they have not noted that I am disputing this item on my report. Thank you!
Product: Debt collection

I received a letter of debt from Credence debt collectors, I did not recognize this debt and I requested verification and proof of the debt and they did not send me the proof of the debt. All the response said was that they investigated and it was my debt and provided nothing, not even a number amount of money I allegedly owe and then put it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 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

Payment history incorrect. Account open, updated, and closed dates are also incorrect. Balance history also incorrect. Ive contacted Experian, and XXXX XXXX XXXX XXXX XXXX with the same response stating information is valid but was unable to provide me with proof. 

after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent out a letter to the three Credit Companies XXXX, XXXX, and Experian asked them to send proof my information was sent to them by the courts or myself and they failed to send me anything. I ask that they remove the illegal information from my report. I reached out to the courts and they stated they never gave out any personal information to XXXX, XXXX, and Experian. I attached Letters as well to my complaint.
Product: Debt collection

I received a written collection notice from Enhanced Recovery Company , LLC ( ERC ) of XXXX, Florida attempting to collect a debt for XXXX. 

I followed the instructions on the collection agency letter and responded in writing in 2013 to dispute the validity of the debt. My letter included the specific statement : " This account is not mine and should be removed from my credit report. " I went to a local XXXX store and was able to learn that my social security number was among the information used to open the account. Other account information included a State of Georgia driver 's license number and expiration date, mailing address and associated home telephone number for a residence in Georgia. 

Learning that my social security number was used to open this account, I filed a police report with my local law enforcement agency and placed fraud alerts with the XXXX credit bureaus. I completed and returned the ERC fraud packet at that time. 

Now, nearly 2 years later, I am unable to obtain a home mortgage because a credit bureau still reports this XXXX account as a collection item against me ; the other XXXX bureaus previously removed this fraudulent collection account. 

I was unable to receive even a pre-qualification letter from XXXX lender due to the appearance of this collection item, even though the item includes a note that it is disputed.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent out my dispute letter certified on XX/XX/XXXX and they received it on XX/XX/XXXX they had to sign to get the letter. They violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. In Which I dont believe the accounts listed below should be shown on my credit report. Another law that is being broken is 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 I did not give anybody written instructions. The accounts that I disputed in my letter was : XXXX XXXX  account # XXXX Amount : XXXX XXXX Account # XXXX Amount : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX I need these accounts deleted off of my credit report due to multiple laws being broke. I need all of the accounts listed above need to be deleted. If not I will be seeking litigation for every account listed above. This is my 3rd attempt. Stop breaking all the consumer laws and promptly erase these unlawful accounts off of my credit report. Erase unlawful accounts listed above asap thank you to whom this may concern