23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

While booking a flight with XXXX XXXX I was double billed for an transaction. I called into American Express : Bluebird to try to resolve it. I was told to speak with XXXX XXXX. 

After speaking with a representative with XXXX XXXX I was informed to provide a FAX number so that a release of funds can be faxed to AMX. 

Calling back to AMX I was informed that there was no FAX number and that if they cancel XXXX XXXX will cancel the transaction, the account will be accredited in 7 Business days. I asked to speak with a supervisor and we conferenced in the XXXX XXXX XXXX. She ( XXXX ) informed me that the account was double billed due to billing issues with their merger with XXXX XXXX and that I was XXXX out of a XXXX transactions that this happened. She also said that the pending balance will ( from XXXX XXXX perspective ) will fall away within 24hrs because there is only one ticket number associated with he transaction. 

I was then informed from the AMX rep that my account will be credited on the 8 calendar day per AMX business policies. 

I am opening a clime because I was informed by the XXXX XXXX rep that AMX is breaking XXXX LAW by holding my money for 7 business days. XXXX Rep asked if AMX : Bluebird was a United States Business and the AMX rep said yes. 

I would like to have the CFPB investigate the mater for possible violation of US Law regarding account reimbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this with the credit bureaus. I am hoping you can expedite this for me? 
1. The following personal information is incorrectName : XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  4. DOB - XXXX XXXX. XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
6. XXXX XXXX : XXXX****Please remove this inaccurate information from my credit report. 
7. XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
8. XXXX XXXX : XXXX****Please remove this inaccurate information from my credit report. 
9. XXXX XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
10. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
11. XXXXAccount Number XXXX XXXX****Please remove this inaccurate information from my credit report. 
The inquiry was not authorized US SM BUS ADMIN ODADate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I received a notice of assignment from Resurgent Capital stating that LVNV is now the current owner of the alleged debt. I reached out to them a couple weeks ago after calling XXXX XXXX XXXX  and finding this information out. I have yet to receive a validation or dispute option. In LVNV initial letter they said the communication was from a debt collector. However they also mentioned this wasnt an attempt to collect. That notice was very confusing and deceptive because it did not include their next steps or what I needed to do in order to validate this debt. They also mailed a correspondence to an address that was giving to them without my consent.
Product: Credit reporting or other personal consumer reports

There are inaccurate addresses lost on my consumer report. I've never lived at these addresses.
Product: Debt collection

Recently, I discovered that there was a negative credit reported due to a collections agency trying to collect a debt that did not belong to me. I called and spoke with " XXXX XXXX '' at Procollect to inquire about this debt and discovered that it belonged to a person named XXXX XXXX. After stating that my name is not XXXX XXXX, she started getting upset, frustrated, and irate when I asked to speak to someone who could help me dispute this. She demanded that this account be paid and that it did belong to me. She was no help at all. 

I am currently in the process of trying to find housing and it's making it very difficult because of this. I believe this is harassment and abuse by this individual and this company called Procollect. I am not able to get any help and this company has placed a negative report and it's affecting my credit score and ability to find housing. 

Procollect has provided me with the account number XXXX. I also emailed them a police report as identity theft. Please help as this company is being abusive to their consumers.
Product: Mortgage

Called trying to get options to help on my mortage payments, was told they couldnt do anything about it because ive already received help and that they would not help me even asked to talk to a manager/supervisor and was told for what if they were going to tell me the same thing.
Product: Mortgage

I received a letter from my initial mortgage company, XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> that my mortgage was sold on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX serviced by Select Portfolio Servicing Inc ( SPS ). It has been 30 days from the date of the letter and more than 30 days from the sale date and I have yet to receive any information in regards to my mortgage as legally required. Additionally, I have tried multiple times contacting both SPS and XXXX XXXX XXXX and they continue to state they do not have the loan on their portfolio as stated in the letter from XXXX XXXX XXXX. I have tried contacting XXXX XXXX XXXX and they claim the loan was sold and have not returned my most recent call. XXXX XXXX XXXXXXXX XXXX communication states I can not send my next payment to them and it is to be sent to SPS, but SPS states they do not hold the mortgage. Neither financial institution is helping resolve the issue so payment can be made to the proper lien holder and keep my loan in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agencies to notify the errors and inaccurate information that is being reported by XXXX XXXX XXXX. According to the credit reporting agencies they verified the information but I'm in clear possession of evidence that clearly shows this account does not belong to me and is fraudulent and needs to be deleted/removed immediately. 

I do not appreciate being given false and misleading information from an investigation that appears did not take place because if it had then the inaccuracies would have been seen and the account would have been deleted. 

Please view the supporting documents and note the name as it appears does not match my given name. The dollar amount is inconsistent with what is reported on the credit report. It also shows a company name and this may be a company account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, it states that everything has to be 100 % accurate on my credit report. The credit bureaus stated that my accounts were properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate, etc. This is grounds for removal. They violated my rights under15 U.S.C. 1681 section 602 A ; states that I have rights to privacy. In addition, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
These accounts are listed below : XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Credit Bureaus for FCRA Violations and Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am writing to express my deep frustration with the XXXX major credit bureausExperian, XXXX, and XXXXregarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C. 1681 ]. Despite multiple attempts to correct inaccuracies, these agencies continue to report erroneous information, causing significant harm to my creditworthiness. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding these issues. 
Collection Account Dispute : The account with XXXX XXXX XXXX XXXX, reported on XX/XX/year>, is inaccurately affecting my credit score. I have no contractual agreement with this company, nor have I authorized them to access or utilize my personal information. Under FCRA [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. This has clearly not been observed. 
Inaccurate Late Payment Reporting : My credit report contains unfounded late payment entries, specifically noted in the Experian report as of XX/XX/year>. According to the FCRA [ 15 U.S.C. 1681i ], upon receiving notice of a dispute, credit bureaus must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The failure to correct these errors indicates a neglect of this duty. 
Unauthorized Information Sharing : I have not given consent for my personal and financial data to be shared or sold to third parties. This unauthorized dissemination violates my privacy rights under the FCRA [ 15 U.S.C. 1681b ], which restricts the purposes for which consumer reports may be furnished.

Immediate Action Required : I demand the immediate removal of all inaccurate accounts and erroneous late payment entries from my credit reports. I also request a comprehensive investigation into these violations and a written explanation of the corrective actions taken to comply with the FCRA. 
Should these issues remain unresolved, I will have no choice but to pursue further legal action for damages incurred due to this negligence. 
I trust that the Consumer Financial Protection Bureau will take prompt action to address these serious concerns and hold the credit bureaus accountable for their failure to adhere to federal law. 
Thank you for your immediate attention to this urgent matter.
Product: Mortgage

I purchased a home with XXXX XXXX, who sold my loan to XXXX, who then sold it to Planet Lending within the first 6 months of home ownership. I was never notified by phone or mail that my mortgage was sold. I had my mortgage payments auto drafted out of my account and I can attest to every payment being sent, and on time. I have provided this information on 3 occasions to Planet Lending. I have provided cleared check pictures from the bank. XXXX XXXX forwarded my payments, XXXX also forwarded the one payment they were responsible for. I have included XXXX and XXXX, who have provided dates and cleared check pictures from my bank of when the payments were forwarded to Planet Lending. 

I have been in contact with numerous XXXX representatives since XXXX and still do not have this issue resolved. However, they continuously call in regards to default. Planet has placed payments into suspensory accounts, Escrow, and applied payments to mortgage insurance, which we do not even have. They continuously tell me to call back tomorrow, or they are opening a review on my issues, that they are reviewing reversing the misapplied payments, and late charges. I have also asked to reverse the negative affect this has had on my credit score. XXXX XXXX it was a XXXX and now it is a XXXX. I was in an accident and total lost my truck, and once my cervical fracture heals, I will need to buy a new truck. With this credit score I will be unable to purchase another vehicle, which will affect my ability to return to work. 



I have notes regarding conversations from the following dates : XXXX XXXX XXXX Unknown date Unknown date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXImmediately XXXX Absolutely nothing has been resolved and the credit scores of both parties on the mortgage are continuously being affected.
Product: Credit card

american express agreed to credit my account for misleading advertising in a previous CFPB complaint, and has not done so within the time stated. 

please follow through on your previous agreement ( attached ) to credit my account {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me a letter telling me that my information was hacked from the XXXX XXXX so im getting alot of bad reports on my social security numbet
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX,
Product: Mortgage

I was provided the attached closing disclosure on the day of my mortgage loan closing. It shows the interest rate as 0 % with the monthly principal & interest amount blank, the projected payments section blank. I pointed this out to the notary who said that I still needed to sign it, which I did. 

This is after PFCU had provided multiple other LEs and CDs ( due to delays ) changing the interest rate and saying it was at my ( the borrowers ) request. Only after I objected did they offer to cover the cost of the increased origination fees.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this it's, as it is incorrect doesn't reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 



Please send me an updated credit report after you have deleted the inaccuracies. Thank you.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX # XXXX DEPT OF EDUCATION/XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company is calling my cell phone from XXXX with an automated dialer without my express consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX / XXXX XXXX which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EXPERIAN verify this?????? 
EXPERIAN has failed to do a proper investigation. I demand that EXPERIAN provide the method of verification under section 611 of the FCRA or delete this account immediately
Product: Debt collection

There was an old charge off on my credit report from SYNCHRONY BANK Care Credit that XXXX XXXX purchased. Each time I try to contact the debit collector about removing the inaccurate information as the charge off is well beyond the statue of limitation, the company refuses to remove the information and the credit agencies continue to report the transaction even though I have disputed the charge off several times. 

Additionally, the debt collector keep re populating the debt with a new date to make the derogatory remarks appear new on my credit report. 

When I attempt to contact this collector, they offer idle threats and they are aware that they utilizing predatory collection practices that are designed to hurt, and humilate the consumer even though this is a very old debit. One of their communications even states that they are aware that the debt is too old to take legal actions, but yet they keep recycling it on my credit report.

When I asked for a manager, I was given the runaround and put on hold. when I tried to go through the credit bureaus to dispute this debt, the collector responds that it's accurate and that is not true. The credit agencies are not following through.
Product: Debt collection

As your XXXX XXXX account was charged off and sold to Velocity Investments , LLC. Velocity Investments , LLC has become the servicer of this account. As a result, all payments and correspondence should be directed to : Velocity Investments , LLC XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX ... This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing that I am 30 day late for XXXX. 
My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.
Product: Credit reporting or other personal consumer reports

Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefited from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the XXXX it's causing me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out letters to the credit bureaus requesting a verification of the items listed on my credit report. They responded saying that the information was accurate. 

After further investigation and thorough research I discovered improper inaccuracies on my credit report after their alleged verification. 

Accounts in question : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX Account # : XXXX- XXXX ( reporting the same debt twice with two different account numbers. ) XXXX XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) Reporting as : ( Original Creditor : ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original XXXX : XXXX XXXX XXXX ) Account # : XXXX ( Multiple inaccuracies found ) XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) XXXX  XXXX Account # : XXXX ( Multiple inaccuracies found ) In accordance with the Fair Credit Reporting act Convergent Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have 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: Student loan

I re-applied for my IBR plan on with Nelnet on XX/XX/XXXX. I contacted their customer support team on XX/XX/XXXX and spoke with XXXX. She confirmed that my application had been received but the processing was pending on it. She advised me that no further action was required, especially since my due date was not until XX/XX/XXXX. Now that it is XX/XX/XXXX, Nelnet confirms that the application was received, but they did not process it. As a result, they capitalized my accrued interest and told me to start a new IBR application. I believe they are at fault for not processing my application and that the interest should not have been capitalized.
Product: Checking or savings account

There was an account opened up with TD Bank online that used my information. There was no identification shown.
Product: Mortgage

When BMO bought by bank, Bank of the West, my loan was in default. Because it was in default, the HELOC was never put into my online banking profile ( this was confirmed by HELOC servicing personnel ). I was told that when my loan was current it would display. I confirmed today when I called BMO that my loan is current. However I still do not have access to it in online banking.

While this may seem trivial, it is not. When I call in to get service for my loan, I am bombarded by a litany of questions about my loan. Today, XX/XX/XXXX, I was asked what my current interest rate is. I have my statement dated XX/XX/23 that says it is 10.0000 % but apparently between this statement and my call the rate has changed. I told the representative that I had only received my XXXX statement so she suggested I look up the information online. But obviously I can't do that ( see above ). 

Since I could not look up the information online, she could not further help me with the call because I did not pass all of the security questions. This includes not being able to transfer me to a supervisor. 

At this point I am unable to manage my loan. I do not have online access and representatives at BMO will refuse to help me. 

This is no way to treat a customer who is trying to service their loan.