23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/22 I received a cancellation notice from my Homeowner 's Insurance policy ( XXXX XXXX, XXXX XXXX ) for failure to pay from the escrow account. The policy that was cancelled was the exact same as the year prior so no changes were made. I was able to call in and reinstate homeowners insurance, however give the lapse in coverage the yearly premium more than doubled. Despite the error to pay happened on their end, my mortgage provider, Mr. Cooper, failed to help remedy the situation after multiple calls were made, they simply informed me that what happened is unfortunate but that there was nothing they could do to fix the issue unless I found cheaper insurance. When I informed them that would be impossible due to the lapse of coverage they caused, they hung up on me. Because of the premium increase caused by their failure to pay, my monthly insurance costs have gone up by more than {$200.00} a month, despite shopping around for more affordable providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that EQUIFAX, XXXX and XXXX to ignore my request to remove and continue to list the dismissed bankruptcies as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 4 calendar days from receipt of this letter.This request from all these agencies have yet to be honored and removing this from my credit files.
Product: Credit card or prepaid card

Synchrony Bank ( operating the Lowe 's credit card ) is forcing me to decide if I want my Lowe 's credit card statement by US Mail or by email, but will not allow me to receive both. 

If I choose to go with the 'online '' bill , are my consumer rights altered? In other words, the US mailed billing statement vs. an online statement are technically not the same thing. So are present consumer protection regulations with regards to credit card account billing specific to requiring that the bill be sent by US Mail? 

And if the latter is true, Synchrony did not disclose this change in my rights ( a reduction in my rights ) in the original email telling me I was going to be switched to paperless billing ( on-line billing ; i.e. a monthly email ). 

So that is complaint # 1. 

I chose to stick with US Mail ( printed bill ). I had to click on a link in the notice, described above. When I did I was taken to another web page where I was told : " [ you ] ... will not have access to your statements online. '' At 29.6 % interest rate on this card, Synchrony can not afford to provide BOTH US Mail and online statements? 

So that is complaint # 2 I attach a copy of the original email notice and a copy of the screen shot from when I opted to continue with paper billing.
Product: Money transfer, virtual currency, or money service

My cash app account was closed with no warning and no recourse and no explanation. Support has not answered any questions. Other than I violated tos. I went over their tos and found no violation.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I have paid for this Auto loan as agreed for the past 3 years. The automobile I purchased had a history of trouble I expressed this with the fianc company and ask that they would re negotiate the contacts due to lack of use of the vehicle. Although I had this vehicle for 3 years I never put over XXXX miles on it because of the condition of the vehicle. The price of the vehicle has doubled from the original purchase price. As a consumer I feel very cheated and the company in question has made no attempt to help me with this problem
Product: Debt collection

I use to have an account with XXXX under the name XXXX XXXX when I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois. I no longer live there as of XXXX when my account was closed with a balance of XXXX. I moved into a different unit and switched to a different wifi company and have not used XXXX XXXX in months as the service was no longer available, my account was closed, there was no way to log into that account. Then I started receiving these bills. I have reached out to XXXX customer service multiple times and nobody ever has a valid answer for me. I asked if there is any account I can log into too and they told me no because the account no longer exists yet I am still receiving bills totaling {$510.00}??
Product: Credit reporting or other personal consumer reports

There are accounts, date of accounts, amounts, and various incorrect and incomplete information on the XXXX credit report that I have been disputed over the course of the last six month. Most recently submitted XXXX XXXX XXXX XXXX 

The consumer name associated with said account has been affected by the Equifax breach settlement engagement number XXXX 

I only wish Equifax to provide the appropriate documentation and methods used to verify the information they claim is accurate. The inaccuracies have been extremely detrimental to getting jobs, as well as properly operating in commerce and accesses credits. 
The most recent dispute was mailed XX/XX/ requesting verification on alleged remarks and errors on the credit report. I encourage XXXX XXXX and Equifax to resolve these issues to avoid civil proceedings for violations pursuant to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Citibank and let them know they ran my XXXX credit XXXX times on multiple days XXXX, and XX/XX/2023. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked Citibank to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my XXXX credit report.They need to train the staff on how to handle things over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit reports which acquired from  XXXX ,   XXXX    and  XXXX , I noticed an inquiry made by Credit Plus.I did not authorized anyone of this company to make inquiry and view my credit report.Credit Plus have violated the fair credit report act section  1681 (  B ) I request that Credit Plus mail me a copy of my signed authorization form that gave them the right to view my credit report so that I can verify its validity.
Product: Credit reporting or other personal consumer reports

I discovered this morning that there are unauthorized inquiries on my credit report, and I have no idea why. I checked my report like I always do, but this time, I found errors that appeared out of nowhere. I even tried refreshing the browser thinking it might be a glitch, but the inquiries didnt disappear. Im extremely frustrated by this, and Im asking for the documents Ive submitted to be reviewed carefully so this issue can be permanently resolved.
Product: Credit reporting or other personal consumer reports

Please refer to complaint XXXX filed on XX/XX/2023. Transunion refuses to provide me with my consumer file. I have requested this information multiple times and I have provided identification via certified mail and via the CFPB portal. Transunion refusing to remove incorrect, inaccurate, and outdated information. Transunion can be held liable under the SEC ( Securities and Exchange Commission ). Transunion commission number is XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I will be filing the appropriate documents to audit consumer account. Transunion refuses to provide my consumer file but is securitizing my data.
Product: Debt collection

Dear Customer Care, I would like to inform you that this does not belong to me. I have previously reported and it has been removed from all of the other credit bureaus except XXXX. Please Kindly remove this from my XXXX credit profile. 

SUNRISE CREDIT SERVICE XXXX Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my FTC report, PA license, and 15 USC 1681c-2 to XXXX, Experian, And XXXX through certified mail. I requested to block the fraudulent information from my consumer report.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAI CREDIT.
Product: Student loan

I took out a student loan for college, and after joining the XXXX, the interest rate increased from 5.9 % back to 6.1 %. While I was in training, the loan balance grew from {$61000.00} to over {$66000.00}. On top of that, all the money I paid last month went entirely toward interest. I feel like Im just paying interest without making any real progress on reducing the principal. 

As a fair resolution, I believe the loan should return to the original interest rate of 5.9 %, the interest that accumulated during my training should be removed, and some form of credit should be applied to account for the additional interest accrued during that period. This would help lower my monthly payments and allow me to start reducing the principal balance effectively.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your company, regarding their continued reporting of inaccurate information on my credit report. Despite successful removal of these items by two other major credit reporting agencies, TransUnion which claims that the information has been verified, which I believe is not possible given the circumstances.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their report. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report. In my case, two other credit reporting agencies have removed the disputed items, indicating that they could not verify or validate the information. This raises significant concerns about your company 's compliance with these legal requirements.

Moreover, the Federal Trade Commission ( FTC ) has established guidelines that highlight the necessity for credit reporting agencies to remove unverifiable information. Furthermore, I am disputing late payment entries on XXXX accounts that I believe to be inaccurate. 
XXXX XXXX XXXX open account with account # XXXX  opened on XX/XX/XXXX with a balance of {$37.00}, XXXX XXXX XXXX open account with account # XXXXXXX opened on XX/XX/XXXX with a balance of {$390.00} As per XXXX U.S.C. XXXX ( a ), furnishers of information to credit reporting agencies are obligated to provide accurate information and correct or delete any inaccuracies. Regarding the late payment reporting, it's important to know that under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666c, if there is a billing error dispute in process, a creditor can not report late payments related to the disputed amount until the issue is resolved. Given that the other two credit reporting agencies have corrected this error, its puzzling and concerning that this particular agency hasn't followed suit. 

I respectfully request that the CFPB investigate this matter and ensure that TransUnion complies with the FCRA by removing the unverifiable and inaccurate items from my credit report. This issue is causing undue harm to my creditworthiness, and I seek your assistance in resolving it promptly. I have included the FTC report which has all companies that they still have not removed off of my credit report.
Product: Checking or savings account

I open a US Bank Checking account. There was a XXXX dollar bonus, requirement is deposit XXXX or more, 10 or more debit card purchase total of XXXX dollar or more, and enroll in online banking. I complete all the requirements on XX/XX/year>. And after a week, XX/XX/year>, US Bank said they will close my account on XX/XX/year>. With no reason. I doubt that US Bank close my account because they dont want pay me the bonus. I ask them why they close it, they said they will not provide any information. The worst bank I ever worked with.
Product: Credit card or prepaid card

Comenity Bank has not reported the balance on my Ultamate Rewards credit card to the credit bureaus in XXXX months. My credit reports still show a balance that I paid off in early XXXX, and it's XXXX now. When I asked about the reporting issue in XXXX, they attributed the delay to a " system upgrade. '' I would understand that if they had just skipped just XXXX month of reporting, but a delay this long seems like willful incompetence.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and dissatisfaction with the numerous unsuccessful attempts I have made to remove fraudulent items from my account. Despite my continuous efforts and clear evidence supporting my claims, these fraudulent items persist, and it is imperative that they are promptly addressed and rectified. 

I discovered several unauthorized and fraudulent entries associated with my account. These entries include such as unauthorized inquiries, inaccurate address and collection accounts. 

Upon discovering these fraudulent items, I immediately initiated a dispute through your official channels, providing all necessary documentation to substantiate my claims. I explicitly requested that these fraudulent items be removed from my account. 
Unfortunately, my initial dispute did not yield the desired results, and the fraudulent items remain on my account. I have subsequently made multiple attempts to dispute these items, each time providing additional evidence and adhering to the proper dispute process, as outlined by your organization. 

In addition to submitting disputes through your official channels, I have reached out to your customer support on numerous occasions, seeking assistance in rectifying this situation. To my dismay, I have not received any meaningful resolution or assistance from your support team. 

The continued presence of these fraudulent items is causing significant financial and emotional distress. It is not only affecting my credit score but also damaging my trust in your organization 's ability to safeguard my financial information. 

I demand immediate action to remove these fraudulent items from my account, conduct a thorough investigation into their origin, and update my account history accordingly. I also request written confirmation once the fraudulent items have been successfully removed. 

Failure to address this matter promptly not only jeopardizes my financial well-being but also undermines the trust I have in your organization 's commitment to protecting my sensitive information. I am asking for your immediate assistance to remove these following fraudulent items : MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$90.00} XXXX XXXX  MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX  Balance Owed : {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a recent identity theft incident that has resulted in the fraudulent addition of several accounts and one unauthorized inquiry on my credit report. These entries were made without my knowledge or consent, and I am requesting their immediate removal. 

Accounts 1. XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX : XXXX Inquiry - XXXX XX/XX/2023 An official identity theft report has been filed with the Federal Trade Commission ( FTC ), and I request the prompt removal of these fraudulent accounts and the unauthorized inquiry to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Debt collection

Tried disputing keeps being verified, went to there office was told the debt was sold wouldnt tell me who or what and was asked to leave, I asked for all original signed documentation to prove I dont owe anything to this company but was asked to leave
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify my credit and they stated that everything was accurate. However, it is not. I did a thorough search myself and found inaccuracies on my credit report even after they did their careful research. 

XXXX XXXX - XXXX XXXX XXXX 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 I also my name and addresses are not correct on any of the credit reports. 

My name and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My work name is also incorrect. My correct work name and address is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX
Product: Vehicle loan or lease

Company : Superior Auto XXXX, In Location : XXXX XXXX XXXX XXXX, XXXX, IN XXXX Issue : Potential Preditory Lending Practices. 
Purpose of loan : Purchase Vehicle Loan Terms : 48mo. @ 21 % interest Sales Person : XXXX XXXX Title : General Manager Vehicle Description : XXXX XXXX XXXX XXXX XXXX Stock # XXXX Vin # XXXX Mileage : XXXX Non-Listed Price : XXXX, XXXX Observed issues : Poor Tire Condition XXXX XXXX Value of vehicle when purchasing from a Dealership : Market Price : $ XXXX $ XXXX, with a Fair Market Value : {$13000.00} Issue : I am in the 4th year of a 5 year XXXX XXXX XXXX. I am very well aware that at the time the 21 % interest rate is to be expected. What was not expected was the " Non '' negotiable 31 % markup of the vehicle. In no other circumstance in XXXXXXXX XXXX can a dealership increase the selling price of a vehicle by 31 % " over '' a vehicle without negotiating. 

This places the typical buyer in need of a vehicle, to simply get to work at a major disadvantage to preditors. I'm fortunatly not in that situation, and I'll just save the money, and pay cash. 

What concerns me, is the folks walking thru the door after I left. The looked as if they were already struggling, and a preditor like this is only going to make their situation worse. To pay {$31000.00} for a {$13000.00} vehicle in nothing short of theft. I'm in the situation as a result of XXXX, and I have the means and education to get thru it. But, this practice should be illegal if it's not. 

Please let me know, if this is actually legal. I'll be also be addressing this with my State and Federal Representatives. 

Respectfully, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, Along with the response to summons from the court, I attached a letter to Plaintiff requesting to VALIDATE THE ALLEGED DEBT, they Nelson & Kennard failed to respond, they just mailed me a few statements, amount owed, XXXX numbers of an account, but not the agreement signed by the defendant. 
In XX/XX/XXXX, I sent them another letter requesting again, TO VALIDATE THE ALLEGED DEBT, but they failed again, sending me the same documents. 
In summary I received XXXX letters with attached bank statements, different XXXX numbers of accounts, but in none of these documents received from they they sent me documents validating the so called alleged debt. 
Today XXXX XXXX, XXXX, I received new misleading threatening documents, showing court paperwork, but I already checked with the court and these documents didn ; t come from the court, showing a client agreement, but not the XXXX bearing any signature, and they also sent me a JUDGEMENT AFTER TRIAL, where Nelson and Kennard are supposedly granted the judgement to them, but the Court to appear in court is XX/XX/XXXX, this is really causing me stress, pain, and suffering, they are sending me false documents, that look like court papers, but these come from their office, I just want them to stop, this is harrassment and threatening, I still have to appear in court and fight my case, I don ; t feel good now, my health has been badly deteriorated from the moment they started trying to collect a debt that has not been validated. Please help me with this.
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 XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct 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 XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

M & T Bank is servicing my mortgage loan. I entered into a COVID-19 Forb program and I am due to start resuming my mortgage payment as of XX/XX/2021. I made a partial payment in XX/XX/2021 in the amt of {$1000.00} that M & T bank put in my suspense bucket. For my forbearance payments I wanted a Loan mod but they claim my payments would increase so I did the partial claim to have the pmts put to the end of the loan. They also told me my {$1000.00} in suspense could not be used towards my forb payments ( partial claim ) so I said okay apply the funds to my mortgage pmt which is {$1500.00}. I will pay the {$590.00}. Now they are telling me I can not use my suspense funds. I need answers on why I can not use my money towards my XXXX pmt. I have been waiting for a week for management to contact me this company is the worst mortgage company ... please help or let me know if I need legal assistance to file legal action against M & T