23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

-XX/XX/XXXX I opened a Gold Delta credit card. 
-I used it in XX/XX/XXXX for the amount of {$160.00} -XX/XX/XXXX I received a statement with balance of {$200.00}, includes a late fee of {$35.00} and interest of {$2.00}. I let them know no statement was received and I requested to remove the charges. Customer service specialist request permit to his supervisor and it was authorized then I proceeded to pay the balance in full by phone XX/XX/XXXX and to close the account. Specialist offered to me other card options and I said no for now. And then he said your balance is XXXX and the card is close. 
- In XXXX XX/XX/XXXX I received another statement and it shows a new balance of {$35.00}. I called immediately and they apologized and said I dont need to pay it because it was their mistake and they will remove it. I said to the customer service representative for my tranquility I need to receive a paper with shows the XXXX balance and that the account is closed. 
- I received in XX/XX/XXXX the receipt with zero balance. 
- XX/XX/XXXX I received one statement with new balance of {$95.00} and stated that in XXXX my account has a total fees of {$60.00}. 
- I called XX/XX/XXXX and talked with XXXX about why if this account was closed and I received a XXXX balance receipt, I am getting charges. He apologized said because the account wasnt closed and I dont be worried about this, it was a mistake and the balance is removed. 
XXXX I called and finally I can contact a Spanish representative and XXXX said the fee was reversed and the account is closed. No problem and worries for me in the future.He did the process with his supervisor. And said in 72 hours is reflected in my balance with them. 
- XX/XX/XXXX I received another statement with the balance of {$95.00} again. 
- I called XX/XX/XXXX and I talked with XXXX and his attitude was very different than previous representatives and said I need to pay this balance. I explained all the process again and said it was a mistake of whom removed it you need to pay the {$95.00} because is the annual fee and he can not do more for me. Finally he released after my constantly questions. I only see that in XX/XX/XXXX you were transferred to the XXXX line, I said ok check the notes and you can realize what happens, He said sorry I can not help you with this problem, you need to pay. I asked to transfer with a supervisor and said there is not a supervisor available, I said I can wait on the line and said you need to call tomorrow because its not a supervisor in the floor. 
-XX/XX/XXXX I called and asked for a supervisor to talk about my case and let me in hold for a long time and hung up the call. I can not call back again because it was at my lunch break. 
- I sent a letter and never received an answer. And they continue harassing me sending every month the same statement.
Product: Credit reporting or other personal consumer reports

Sent mutilple letter that last 4 months and I have not recieved the documents that Im asking for.
Product: Debt collection

Im currently working under freedom debt relief to settle accounts I occurred while out of work with a injury. Ive settle all accounts completely and Im currently on the last one. Freedom debt relief came to agreement with the company to pay ( {$15000.00} ) and Ive been paying ( {$430.00} ) for 10 months now and when I check my credit reports its still showing the amount going up ( {$33000.00} ). original amount was {$20000.00} and agreed to {$15000.00} and its over {$33000.00} now on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows XXXX different reasons why these accounts shouldve already been deleted. The account not being deleted, proves I am owed monetary compensation for the violations of the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

This account appeared on my credit report, there is no company name to send a dispute letter to, I have not received any letter from " XXXX '' or Equifax. 
This is a violation of FCRA and FDCPA. 

The other account, again Equifax is reporting is an unverifiable account. I have sent dispute letters XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and it is still reporting on my credit. This is COMPLETELY UNVERIFIABLE
Product: Credit reporting or other personal consumer reports

I have Public Record bankruptcy reporting on my Equifax credit report with filing date of XXXX. In which this XXXX XXXX bankruptcy was filed XXXX. I disputed this item and upon Equifax. Upon their alleged investigation they responded back stating that bankruptcy XXXX XXXX is reporting accurately by the company that verified it. I requested for Equifax to provide me with method of verification. The service representative stated that this was verified thru XXXX XXXX. In which is also incorrect because Im currently in dispute with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my frustration with Experian 's handling of my dispute letters regarding four accounts that are inaccurately reporting on my credit profile. Despite my repeated attempts to have these erroneous accounts removed, Experian has failed to conduct a proper investigation and take action to correct the reporting. According to 15 U.S.C. 1681, which is the Fair Credit Reporting Act ( FCRA ), a federal law that regulates the collection, dissemination, and use of consumer credit information, credit reporting agencies such as Experian are required to ensure the accuracy of the information they report on consumers. 

I have filed an FTC report, Identity theft report # XXXX, affidavit of truth, and provided exhibits to demonstrate that these accounts do not belong to me, and were removed by the other credit bureaus. However, Experian has continued to report these unverifiable and invalidated items, which are causing serious harm to my credit scores and denying me access to credit. They have violated 15 U.S.C. 1681i, which outlines the procedures for disputing inaccurate information on a credit report, and 15 U.S.C. 1681i ( a ), which requires credit reporting agencies like Experian to investigate disputes and correct any inaccuracies on a credit report within 30 days. 

The specific accounts in question are XXXX XXXX bank - XXXX for {$1100.00} ( removed by XXXX XXXX XXXX removed by XXXX XXXX ), XXXX XXXX  - XXXX for {$1600.00} ( removed by XXXX XXXX, removed by XXXX XXXX ), XXXX  XXXX - XXXX for {$860.00} ( removed by XXXX XXXX ), and XXXX  XXXX - XXXX for {$2500.00} ( removed by XXXX XXXX ). It is unacceptable that these accounts have not been properly investigated and removed from my credit profile. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Experian for their violation of the FCRA. Specifically, Experian has failed to comply with 15 U.S.C. 1681c ( 4 ), which requires credit reporting agencies to delete information that is inaccurate, incomplete, or can not be verified after a reasonable investigation. They have also failed to comply with 15 U.S.C. 1681e, which requires credit reporting agencies to have procedures in place to ensure maximum possible accuracy of the information they report on consumers. Additionally, Experian has violated 15 U.S.C. 1681s-2, which outlines the responsibilities of furnishers of information to credit reporting agencies such as XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX and XXXX XXXX. 

I request that Experian be held accountable for their noncompliance with the FCRA and that they take immediate action to correct the inaccuracies on my credit profile. I also request that the Consumer Financial Protection Bureau ensure that Experian is following all applicable laws and regulations related to the accuracy and integrity of credit reporting. Thank you for your attention to this matter.
Product: Checking or savings account

Wells Fargo used my stolen bank check receipt to reimburse my niece for my account that was hacked nd stolen from on several occasions. They gave my niece XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX {$30.00}, XXXX through Wells Fargo Bank..
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on ( XX/XX/XXXX ). According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in XXXX : XXXX  # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 
XXXX - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over15 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Checking or savings account

A fraudulent CHEACK was written out of My Bank, Without MY Knowledge or Authorization. Bank CLOSED account AGAINST MY WILL. 
and said that I closed account. 
Caused high Risk score. And prevents Opening a New bank account.
Product: Credit reporting or other personal consumer reports

I REQUESTED THE INQUIRES BE REMOVED IN PREVIOUS COMPLAINTS XXXX AND THESE FRAUDULANT INQUIRIES STILL REFLECT ONLINE AT https : //my.equifax.comXXXX # XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting

XXXX BANK charged off Account Number : XXXX ... in XXXX, but the Experian is reporting this as charged off in XXXX which is incorrect. I have contacted Experian several times to correct their error, but they refuse to correct the mistake. I
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and discovered 3 delinquent accounts that does not belong to me. However, I firmly believe that these accounts entry is incorrect and should not be associated with my credit history. 

In accordance with the Fair Credit Reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation. 

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim. I urge you to consider this evidence during your investigation. 

I expect timely resolution of this dispute and a written response within 30 days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate Accounts entry. 

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed freeze with experian. 
Tried to unfreeze later using both Experian web page and phone. 
Entered ALL requested info including PIN they gave me at time of freeze. 
Both methods denied unfreeze action pending mail in of numerous ID documents. 
This is holding up a mortgage and will cost money if not solved immediately. 
Web site claims pin is the only requirement to unfreeze. I believe they are misleading people on this process to save money for themselves.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable unprotected. furthermore, their dispute resolution process was unfair and receptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) in Regulation E. these actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

FOR FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I DO NOT AND WILL NOT AGREE WITH THE DECISION THAT WAS MADE ON MY LIFE BASED UPON MY CREDIT REPORT WHICH IS REPORTING FRAUDULENT ACCOUNTS. EXPERIAN YOU STILL ARE VIOLATING MY CONSUMER RIGHTS AND HAVE BEEN VIOLATING MY RIGHTS FOR QUITE SOME TIME. YOU ARE NOW SAYING THAT YOU REFUSE TO REMOVE ANY FRAUDULENT ACCOUNTS KNOWING THAT YOU CONTINUOUSLY BREAK THE LAW. AFTER ALL THE PROPER DOCUMENTATION THAT WAS SENT TO YOU. YOU ARE ALSO SAYING THAT IT IS OK FOR YOU TO BREAK THE LAW. AFTER YOU " RESEARCHED '' THE INFORMATION OF ACCOUNTS, DID YOU RESEARCH THE LAWS THAT WERE SENT TO YOU THAT YOU HAVE VIOLATED? YOU ARE NOW SAYING TO ME, THE CREDITOR AND THE CONSUMER, THAT YOU XXXX IS KNOWINGLY BREAKING THE LAW AND JEOPARDIZING THE INTEGRITY OF THIS COMPANY? LET ME REMIND YOU AGAIN EXPERIAN OF WHAT LAWS THAT YOU HAVE VIOLATED. ALSO YOU HAVE VIOLATED A CEASE AND DESIST AND YOU IGNORED MY FTC REPORT WHICH IS A FACTUAL AND CRUCIAL PIECE OF EVIDENCE IN THIS MATTER PERTAINING TO THESE FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE. VIOLATIONS THAT EXPERIAN HAS COMMITTED AND CONTINUOUSLY COMMIT : XXXX. THE TRUTH AND LENDING ACT-15 US CODE 1681 a 2. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 3. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 4.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 5. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 6. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 7. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 8. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( what purpose do you have? ), 11.10. 42 USC 408 ( ILLEGAL ( FRAUD ) TO ASK FOR SOCIAL SECURITY NUMBER ) YOU ARE NOW SUBJECT TO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. AS I HAVE NOW GAVE YOU LAWS THAT ARE REAL LEGAL LAWS WHICH YOU HAVE INCRIMINATED YOURSELF AS COMPANY, TO CONTINUOUSLY COMMIT, WHAT WILL BE DONE ON YOUR BEHALF TO REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ALL FRAUDULENT ACCOUNTS THAT DO NOT BEAR MY WET SIGNATURE )?
Product: Credit reporting or other personal consumer reports

Rocket mortgage recently took over my homeowners loan from XXXX XXXX XXXXXXXX My homeowners insurance did not get properly transferred and my credit of XXXX went DOWN to XXXX. I was told this would not happen and that all transactions would be properly taken care of. I have called approximately 3-4 times, being transferred to XXXX, whom refused to return my calls with an explanation of the improper and inefficient transfer by Rocket Mortgage. My last call was made XX/XX/2025, leaving a voicemail AGAIN with XXXX. Her voicemail said she would get back to me in 24-48 hours. Once again, no response. I am very upset with this and if I do not get results I have no choice but to take further action. I deserve my XXXX XXXX XXXX back. I have worked all my life to maintain a perfect credit score, with not ever having a late mortgage payment. 
I expected and trusted RM to make this transfer perfect as explained in my letter that I received stating that this would NOT EFFECT my Credit score. 
I EXPECT A RESPONSE FROM XXXX OR HER SUPERVISOR WITH AN EXPLANATION.
Product: Credit reporting or other personal consumer reports

I consistently get denied for credit, pay exorbitant auto insurance fees, and am denied for life insurance increase.
Product: Mortgage

My mortgage was transferred to Mr. Cooper for mortgage servicing beginning on XXXX XXXX, XXXX. My original servicer was XXXX XXXX. According to my final statement on XX/XX/XXXX with XXXX XXXX, my principal balance was {$460000.00}. My last payment, as shown on this statement, was {$3800.00} on XX/XX/XXXX, with {$1000.00} of that payment being extra, paid directly to the principal balance. Upon setup of my Mr. Cooper account, the balance showed as {$460000.00}. The transaction history from XXXX XXXX provided by Mr. Cooper showed my extra {$1000.00} payment to principal being applied on XX/XX/XXXX, then being removed and disappearing from the ledger on XX/XX/XXXX and XX/XX/XXXX, with no explanation. 

In addition, the final escrow statement provided by XXXX XXXX on XX/XX/XXXX showed my escrow balance as {$3800.00}, as of XX/XX/XXXX. However, in the Mr. Cooper portal, my escrow balance originally appeared as {$1600.00} ( also shown at the beginning of the transaction history document attached ), with no explanation of the change or record of any disbursement from XXXX XXXX. Mr. Cooper shows escrow overage disbursements of - {$280.00} and- {$760.00} ( neither of which have been received by me as of yet ), a county tax " deposit '' adding + {$760.00}, an MI disbursement of - {$100.00}, and a county tax " disbursement '' of - {$760.00}, which, along with my payment to escrow of + {$290.00} on XX/XX/XXXX, should result in a balance of {$3000.00}. The current balance, however, shows {$820.00}. This is a shortage of {$2100.00}, with no explanation of where that money has gone. However, this difference is exactly the amount of the discrepancy between my final escrow statement from XXXX XXXX and the initial balance appearing in Mr. Cooper 's records. 

I have requested clarification from both companies, and in a phone call on XX/XX/XXXX, XXXX XXXX verified the final amounts that I am claiming and said all management had transferred to Mr. Cooper, and to ask them about the discrepancy. In a phone call with Mr. Cooper on XX/XX/XXXX shortly after, they claimed they could not see the extra {$1000.00} paid to principal in XXXX. I provided my bank statement showing the original payment + {$1000.00} coming out of my account on XX/XX/XXXX. Mr. Cooper also claimed they could not verify the initial escrow balance of {$3800.00}, despite it clearly showing in my final statement from XXXX XXXX. XXXX XXXX also confirmed they do not have any record of escrow overage disbursements headed to me to explain the difference. 

Email requests sent to Mr. Cooper 's inbound research department have been returned as resolved, with no reference to my claims of what the principal and escrow balance should be. They simply repeat the refrain that their balances match their records.