23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been a customer of XXXX car insurance for over 5 years and had set up monthly auto-pay with paperless billing. On XX/XX/scrub> 2023, I chose to cancel my XXXX insurance policy by contacting the XXXX agent directly. The agent did not inform me of any outstanding balance on my account, and my online account was deactivated after XX/XX/scrub> 2023. 

On XXXX XXXX, 2023, I received a notice from a collection company representing XXXX, claiming that I owed them {$230.00} and that they had already reported this to my credit report. I immediately reached out to the XXXX agent, who explained that it was a pro-rated premium for the period before I canceled my policy. I never received any billing information either by mail or online ( because I enrolled in paperless billing and autopay ). I made the payment the same day, and the XXXX agent assured me that his team would inform the collection agency to remove the collection history from my credit report. However, even after one year, the collection history is still visible on my credit report, significantly affecting my credit score. Several banks have rejected my mortgage application. 

The way XXXX has handled this situation is unacceptable. I was unable to receive the final pro-rated statement because : 1. The agent did not inform me of any outstanding balance when I canceled my policy.

2. I lost access to the online portal the day after I canceled my policy.

3. I was enrolled in auto-pay, and XXXX could have directly charged my credit card instead of sending the final bill to a collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you,
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A {$4000.00} repair allowance was promised during the sale/closing process, but never paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dropped my score XXXX points in one day I am going to seek litigation I looking to hire attorney that goes for Experian XXXX If they refuse accurately report my credit report that includes everything Negative Collections Inquiries How does XXXX drop my credit scores XXXX something points in one day I am going to get attorney and a class action law suit
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I received a house alarm system with XXXX and they told me I can get a line of credit for XXXX and the loan will be payed off instead it was a scam and now I owe a line of a XXXX loan from citizens pay and they are not trying to help resolve the situation
Product: Credit reporting

i am filing another complaint so I can resolve the issue on all XXXX major credit report companies. I would like to get this resolved on my Experian credit report. 

On my credit report, in the public record section it says I still owe XXXX dollars to a said cable company. I resolved this issue over a year ago. I left for XXXX military XXXX and my wife went and paid the said company. Yet I still owe, and it is causing damage to my credit score. I would like to get this resolved and off my credit report. Thank you.
Product: Money transfer, virtual currency, or money service

When sending money if it goes to the wrong person there is no way of getting it back
Product: Credit card or prepaid card

XX/XX/2021 I went grocery shopping at XXXX and wanted to purchase a {$400.00} XXXX gift card. 
Cashier states that can only put {$200.00} on at a time but can run the same card twice. 

Made initial purchase of groceries and {$200.00} gift card ( 1st gift card ) for {$310.00} Cashier attempt to put {$200.00} more onto the same gift card ( 1st gift card ) and said it did not work. I have attached a photo of this receipt. In the upper right corner you can see UNAPPROVED Grabbed another gift card ( 2nd gift card ) off of the rack and put {$200.00} on it.

I ended up with three transactions on my card. 1. {$310.00} ( {$110.00} groceries an
d a {$200.00} gift card ) 2. {$200.00} ( no money applied to the gift card ) 3. {$200.00} ( {$200.00} gift card ) Since the second transaction failed, this resulted in me paying {$600.00} for gift cards and only receiving {$400.00} in gift cards.

I opened a dispute with Citi for {$200.00} Over the past months, I have called numerous times and continually given that an explanation that they are looking into it. Then I get a letter saying that too much time has past and they can not do anything. They have never provided any explanation of what their findings are. I do not have recordings of my calls but I am sure they do. I am attaching all the written/electronic correspondence they have sent me. While in the XX/XX/XXXX letter there is reference to a response from the Merchant but the attachment is unreadable, Citi never provided any other explanation. 

I am not understanding why : They have not contacted the GC provider and XXXX to clearly see, where did the missing {$200.00} end up? 

Also attaching image of the 2 gift cards as well as XXXX balance page. You can see the them about 5 lines from the top on XX/XX/XXXX. 

Thanks for looking into this. I has been a extraordinarily frustrating. Each customer representative I spoke with kept saying that this was going to be resolved in my favor. I now understand this was simply a ploy to keep dragging this process out as long as possible.
Product: Credit reporting or other personal consumer reports

I have opened disputes with XXXX, Experian and XXXX. I have informed all 3 that my Student Loan balance is XXXX ( XXXX ) dollars, paid in full, closed account with no payments due. They all continue to report a balance of {$180000.00} which is incorrect, the balance is XXXX. 
All dispute information was shared in XXXX of XXXX. 
I submitted paperwork from my lender/creditor ( XXXX ) to all 3 credit reporting agencies showing the loans as paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I had been approved by XXXX XXXX to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my credit score and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my credit score in good faith.
Product: Mortgage

I have a conventional mortgage with Suntrust bank originated at 90 % LTV requiring PMI at {$100.00} per month. 
I recast my mortgage with Suntrust bank by making a one time payment that brought my LTV ratio to 45 %. 
Suntrust did not automatically remove my PMI as required by 12 USC 4902 ( e & f ) and continued to charge PMI. 
I spoke with a customer service representative who indicated that I needed to request PMI removal in writing. 
Though federal law does not require it, I requested PMI removal and a refund of the 4 months of PMI collected in violation of the law. Suntrust replied that my PMI was cancelled and refunded the partial payment for the balnce of the month requested. 
I followed up with a request for a refund of the previous 4 months of PMI collected after the loan was below 78 % LTV. 
My attorney has also requested a refund of the PMI. 
Suntrust has so far refused to refund the {$400.00} I am due. 
After researching similar issues on this website, this seems to be pervasive for Suntrust to illegally collect PMI in violation of federal law. 
The consumer finance investigator may want to look into whether Suntrust is not removing or refunding PMI purposefully and behaving in a predatory manner.
Product: Mortgage

Selene Finance doesn't provide me the access to all my statement not mailed out all the statements to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report with smartcredit. After receiving a copy ofmy report, I saw these UNVERIFIABLE accounts on my personal profile. I sent a letter to the 3 credit bureaus last XX/XX/2022 and its over 30 days after I sent the letter. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Hoping that these listed accounts Late payments will be removed. 
XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up to credit report website and within that year my account started to have things I dont recognize and has numbers calling me. I had got a lot of mail of fake loans and credit cards I didnt apply for. I try changing my passwords and everything. My credit score went from good to bad within a year of using their app.I try to remove things off too
Product: Credit reporting or other personal consumer reports

XXXX exsperian XXXX refused to make nessary changes.on deadline date.. To make change on credit scores. My scores I have noticed been same areas for quit some time. Then when l questioned scores notice XXXX increased it only XXXX POINT showin on credit scores Experian. XXXX hasn't made changes. Over month? Credit scores change every 2 months XXXX XXXX. XXXX Noticed my credit sckres been same range for quit sometime.? Whom decided also to contact government on my behalf to XXXX things been handle. These companies have received my complaints still no changes. The Government needs to find another way to handle credit scores. XXXX. XXXX. XXXX
Product: Student loan

I have filed a dispute in regards to the incorrect items I have on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is beyond ridiculous! This account needs to be deleted IMMEDIATELY!!! I have sent several disputes to Experian. They have failed to thoroughly investigate this account. I have the right to receive information used to validate this account. They have a responsibility to report correct information. Having negative information on my credit file affects me negatively.This account couldn't be validated by XXXX this same account was removed by XXXX. I submitted a screenshot of CFPB complaint XXXX the XXXX account removed by XXXX. I filed a CFPB complaint on Experian to remove the XXXX  they stated it was " validated ''. If the account is validated why have I yet to receive validation.I requested numerous times by mail. I have not received validation as requested by mail. The response received today XXXX was electronically. I will attach the last letter I sent to them clearly requested to receive documents used to validate this account by mail. Experian ILLEGALLY changed the balance from {$1800.00} to {$6500.00}. I will update screenshots from their website showing before and after. How are they allow to do this to people? Experian is a credit bureau for profit it seems. It will NOT be at my expense. Experian has continued to ignore my requests this is unfair they should not be allowed to do people like this. They should not be able to respond validated. This has cost me time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  - Opened XXXX XXXX XXXX XXXX XXXX -Opened XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX  - Opened XXXX 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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

I am filing this complaint with the CFPB to request that Equifax, the credit reporting agency, block certain information on my credit report due to identity theft and fraud, as per FCRA 605B ( 15 U.S.C. 1681c-2 ).

Specifically, I want the following fraudulent accounts removed from my report : 1. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$6600.00}. 
XXXX. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$5500.00}. 
XXXX. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$6000.00}. 
XXXX. A personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX, under account number [ acct # ], {$2900.00}. 

These fraudulent accounts have led to multiple hard inquiries and collections showing up on my consumer FICO credit report. Ive attached a list of these hard inquiries and a copy of my consumer FICO credit report from Equifax that includes these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are the result of identity theft and fraud. To support my case, Ive included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] that confirms all these accounts, collections, and inquiries are due to identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX along with other collection agencies ( XXXX, Transunion, etc. ) are engaged in unlawful debt reporting and libelous practices which created an adverse action to my ability to maintain a good reputation and attain credit and/or finances by unlawfully failing to properly investigate consumer disputes. XXXX does not take sufficient steps to intake, process, investigate, and notify about consumer disputes, resulting in the inclusion of incorrect information on my credit reports. Inaccurate or false information on consumer reports are threatening my access to credit, employment, and housing. 

When I dispute errors on my credit reports, XXXX conducts sham investigations rather than properly reviewing the disputes as required by federal law which errors are currently having serious consequences on my familys finances.
Product: Mortgage

Selene Finance LP is my mortgage servicer. I have made all my mortgage payments on time. They have not made fully payments to my home insurer, XXXX. XXXX sent me the unpaid bill of {$260.00}. They said I needed to call my mortgage servicer. I called Selene Finance on XX/XX/XXXX and let them know payment was due by XX/XX/XXXX and was eventually transferred to the insurance department. They said they would look into it and send me updates. The updates sent basically said they couldnt do anything about it and were fully automated responses. They still have not paid. 

XXXX has now cancelled my homeowners insurance and I am not covered due to nonpayment by my mortage servicer, Selene Finance. I have emailed my account representative. I am mailing a Notice of Error today.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that there were numerous pieces of inaccurate information which is very upsetting to me. These errors are affecting my ability to get a car which in turn is affecting my ability to get to work. I am on the brink of being fired and I need these errors corrected immediately. This is a flagrant violation of my rights and insist you remove these inaccuracies from my report at once.
Product: Debt collection

On multiple occasions I have had contact about this debt. Previous to this I made all payments on time and in full until my purse was stolen. I called the original company years ago. I thought the issue was resolved until I found it on my credit report, I again stated my purse was stolen and I did tell the original creditor.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws that impact my credit report and personal information. These issues include unauthorized hard inquiries, inaccurate personal information, unverified debts, and deceptive reporting practices. Heres a detailed breakdown of the violations : FCRA Section 616 ( Civil Liability for Willful Noncompliance ) Credit information about me was accepted and reported without proper verification, showing willful noncompliance with the FCRA. FCRA Section 603 ( d ) ( 2 ) ( A ) ( Failure to Disclose Opt-Out Rights ) My right to opt out of sharing personal information was not disclosed, violating my consumer rights. FCRA Section 623 ( a ) ( 3 ) ( Furnishing Deceptive Forms ) Inaccurate inquiries and accounts were furnished without proper validation, which is deceptive and breaches accounting principles. Debt Collection Practices Act Violations Inaccurate debts and accounts were reported, leading to harassment and unnecessary contact from creditors. Violation of Acquiring Location Information Regulations Debt collectors disclosed debt information to third-party credit reporting agencies, which is prohibited. Deceptive Reporting of Late Payments Late payments were reported without defining what constitutes lateness, leading to inaccurate reporting. Finance Charge Miscalculation Incorrect finance charge determinations were made, showing negligence in reporting responsibilities. Violation of Permissible Purpose Requirements Hard inquiries and credit report entries were made without my written consent, breaching FCRA 's guidelines for permissible purposes. I demand immediate action, including the correction of personal information, removal of unauthorized hard inquiries, and validation or deletion of unverified debts and accounts. Specific requests include the deletion of inaccurate personal information tied to a XXXX XXXX XXXX XXXX XXXX and the removal of several hard inquiries and accounts associated with debt collectors who failed to provide proper validation. Failure to comply with these demands may result in legal action as outlined in the FCRA and associated statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigate my credit file, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX Balance : {$10000.00}, XXXX XXXXXXXX Balance : {$290.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}