23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, THE RESPONSE LACKS DETAIL AND COMPLETE EXPLANATIONS NECESSARY TO ADDRESS MY CONCERNS REGARDING THE ACCURACY OF MY CREDIT REPORT. MY REQUEST FOR PROOF OR EVIDENCE IS NOT EFFECTIVELY SATISFIED. THERE HAS BEEN NO FORM OF COMMUNICATION TO PROVE I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT. I NEED PROOF WITHIN 15 DAYS, IF NONE ARE PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, YOUR RESPONSE LACKS A DETAILED EXPLANATION OF THE FINDINGS OF SUCH REINVESTIGATION. YOU STATED THAT THE DISPUTED ITEMS WERE VERIFIED AS ACCURATE WITHOUT PROVIDING SPECIFIC DETAILS OR DOCUMENTATION SUPPORTING THIS CONCLUSION AKA PROOF OR EVIDENCE. YOU ALSO FAILED TO ADDRESS WHETHER PROPER AUTHORIZATION WAS OBTAINED. YOUR INFORMATION REGARDING CREDIT REPAIR LAWS COMES ACROSS AS DISMISSIVE BY STATING, " THERE IS NOTHING A CREDIT REPAIR COMPANY CAN DO FOR YOU. '' YOU FAILED TO OFFER POSITIVE ASSISTANCE OR GUIDANCE ON RESOLVING MY SPECIFIC CONCERNS. WITHIN 15 DAYS, I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR TRANSUNION, XXXX HAVE RECEIVED THE LETTER SENT WHICH WAS ONLY AN UPDATED CONSUMER REPORT. I EXPECTED MORE THAN JUST AN UPDATED CONSUMER REPORT I AM LOOKING FOR PROOF OR EVIDENCE TO SUPPORT THE INFORMATION ON MY CREDIT REPORT REGARDING ANY DEBTS OR NEGATIVE ACCOUNTS. AN UPDATED REPORT DOESNT ADDRESS MY REQUEST FOR VERIFIABLE EVIDENCE. YOUR RESPONSE DOESNT PROVIDE A CLEAR EXPLANATION OF HOW YOU ARRIVED AT YOUR CONCLUSIONS. I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME ( XXXX XXXX ). I have no idea why this account is on my consumer reports. This account is direct violation of the FCRA! Im not sure what kind of account it is, it has no identification stating what kind of account it is or was. There is NO account number listed on either of my consumer reports. The original balances are inconsistent on all consumer reports. The payment history differs across all of my consumer reports. There is NO open date listed on either consumer report. This account violates so many laws. I want this account removed from all of my consumer reports ( EXPERIAN, XXXX, XXXX ). I DO NOT GIVE CONSENT FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORTS.
Product: Mortgage

My mortgage was sold to Rushmore Loan Management Services in XX/XX/2021. Shortly thereafter, I received a letter from them requesting proof of insurance. I immediately provided them with a copy of my XXXX/policy page listing my coverage amount ( plenty to cover mortgage amount ) and the organization was listed as mortgagee/loss payee. Two months later I am still getting notices that they have not received my insurance information. My insurance company has sent it, I have mailed it, I have faxed it and my insurance company sent it a second time, however, I am still being told they do not have this information. At this point I assume they have placed homeowners insurance on my loan. I will not pay any additional insurance due to this organizations incompetence 's. I dont know what else I can do to get them what they need. Clearly the issue is at their end because I have all the receipts of delivery. I have contacted this company five times and again today. I spoke with a manager today, XXXX XXXX at XXXX XXXX XXXX who assured me she would call my insurance agency immediately to get a copy of the insurance binder. As of XXXX XXXX my insurance company has not heard from her. XXXX XXXX was also going to inform me when she contacted them. Ive received no call back. I dont know what else I can do except ask for your help. I certainly am not going to pay for additional homeowners insurance when I have had home owners insurance in place, with the correct loss payee listed, since the inception of this mortgage. I appreciate your help. Thank you.
Product: Mortgage

We closed our loan XXXX XXXX 2016. When I finally got the paperwork about the loan servicer I attempted to go online and set up an automated payment. The website said my SS # / Loan # did not match. I called up and was told the " correct '' loan # ( different than on the paperwork mailed to me ). I then went in again and got the same error with the new loan #. The customer service # XXXX was automated. When you selected the option to speak with a representative it would redirect you to a disconnected #. If I had not actually applied and closed on a loan I would think this was fraud.
Product: Debt collection

I do not agree with XXXX when they reported a bill delinquent on my credit reports. In an effort to get them to remove it I wrote them a letter and sent them a check requesting them to remove it from my credit reports with XXXX, XXXX & XXXX. In the letter it also says if you cash this check the account is now paid in full and you agree with the terms of the letter and they have 15 days to remove the account from the XXXX credit bureaus. They removed the account and then resubmitted to the credit bureaus. They need to correct this immediately. As of XXXX/XXXX/2017 they cashed the check that was sent to them.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX Account Number : XXXX Date : XX/XX/2018 Amount : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed I had fraudulent accounts being reported. I tried to reach out to credit reporting bureaus but the did not properly investigate and correct reports.
Product: Vehicle loan or lease

On XXXX I was informed that my car was not where I left it by a family member. Payments, insurance, and registration was current. On XXXX I reported the car stolen. XXXX XXXX ran it through the database to see if was impounded and it came back not in the impound system. I called on XXXX to report it to my insurance and bridgecrest. XXXX I get a call from bridgecrest saying the car was recovered was I interested in getting it back. They could not provide me with the condition of the car after being missing for 2 weeks. I informed them that my insurance company needed to inspect the vehicle before I move further. I called back to get information was told that it was at XXXX and given a non working number to contact them. Called them for a week left messages no answer my insurance company did as well. After the run around and several calls to get information needed to move forward on XXXX I was finally given a working number to reach out to XXXX  They informed me that I needed permission to look and inspect the car from bridgecrest. I was told by bridgecrest I needed to take possession of the vehicle before I could inspect that would be {$1000.00}. The car was already being placed to be sold without any notice or information. The ball was dropped from the beginning. Why wasnt myself or XXXX XXXX notified that the car was recovered. Why werent the vin ran and it wouldve showed in the system as stolen. I was told they picked up the car from the impound lot on XX/XX/year> to avoid losing the lien. Meanwhile this isnt told to me until XXXX once they have rendered the account as closed after always having on time payments for over a year and reporting it to my credit as a repossession which is false.
Product: Debt collection

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX Account XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

This is a second complaint in reference to CFPB COMPLAINT ID XXXX, in which XXXX XXXX from U.S. Bank responded to this complaint on XXXX XXXX, XXXX. XXXX did not address the crux of the issue, and that is that U.S. Bank knowingly and deliberately failed to follow applicable consumer and fair lending practices laws when investigating my complaint to them in XX/XX/XXXX. I was not once contacted by the appropriate department at U.S. Bank when I made complaints of discriminatory lending practices for my Simple Loan applications to U.S. Bank. XXXX XXXX 's investigation took much longer than 30 days, and at no point was there any communication as required by law, whatsoever, to notify me of the status of the investigation or that the investigation would take longer than required by law. XXXX XXXX 's response on XXXX XXXX does nothing more than vaguely apologize for the delay in investigating my complaints -- a delay that was unlawful, according to Fair Credit Reporting Act and other consumer laws that require U.S. Bank to have contacted me both about their investigation and their large delays in their investigation, which were far greater than 30 days. I would like U.S. Bank to hold XXXX XXXX accountable for her deliberately not following internal and external policies as they related to investigating my complaint and the intentional delays in their investigation, none of which were communicated to me. If U.S. Bank did not act lawfully, then I request that they be held legally liable. If XXXX XXXX did not act according to U.S. Bank policies and procedures, then XXXX needs to be held fully accountable for her failure to act. Finally, U.S. Bank still does not address that, despite XXXX years of my complaints concerning the denials I received for their Simple Loan product, it took me making a legitimate complaint of discrimination to understand what " poor deposit history and credit performance with U.S. Bank '' actually meant. U.S. Bank is willfully neglecting to acknowledge that they allowed these vague, non-specific denial reasons to be sent to me, and not once were they investigated to provide a specific, detailed reason of what the denials meant -- until I made a legitimate complaint that I believed they had discriminated against me in the lending process. I would not have continued to apply for the Simple Loans had U.S. Bank 's denials clearly and sufficiently explained what " poor deposit and credit history meant. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX XXXX XXXX in XXXX Al ( graduated 2012 ) with a degree in XXXX XXXX XXXX and loans are $ XXXX still do not have a job in that field. The payments are too high and it's recorded a negative impact on my credit report. Can not possible purchase anything. Can't transfer credit to another college. I was told the degree is worthless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Roundpoint Mortgage Servicer refuses to remove PMI from my account. LTV reached 78 % as of XX/XX/2022, no late payments on my side. According to my mortgage contract terms, PMI is due to be automatically removed once LTV reached 78 %. 

I attempted to resolve the situation with Round Point, and they insist that I pay appraisal fee and request removal which violates my contract and contradicts Homeowner Protection Act.
Product: Checking or savings account

multiple accounts was open my credit score went down from XXXX to XXXX I called XXXX XXXX and I they mediately close the accounts they told me to contact you guys
Product: Credit card

On XX/XX/XXXX I purchased a treadmill from XXXX XXXX XXXX. I did not receive any shipping information and never received the item. Ireached out to the vendor to inquire on the status of the item and received no response. I fi led a fraudulent charge claim with ChaseBank. On XX/XX/XXXX I received notice that Chase Bank declined the claim. I called Chase to inquire as to why. They state theyreceived information from the vendor saying the product was shipped- they have no proof of shipment or delivery. I faxed additionalproof to Chase Bank on XX/XX/XXXX showing the vendor provided no shipping information, and was not responding to my claim. ChaseBank failed to reopen the claim until XX/XX/XXXX, despite me calling to check on it several times a week. They state what I sent over didnot prove anything, and declined the claim again. They are refusing to provide me with the documentation of what the vendorprovided, and the contact they've had with the vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

JFQ Lending provided my XXXX credit score dated XXXX XX/XX/2021 on or about XXXX XX/XX/2021. The letter provided by JFQ lending was XXXX points but yet the score generated by XXXX on XXXX XX/XX/2021 was XXXX points. 

I questioned the difference to JFQ Lending and they explained that the type of report such as a mortgage report will vary from a consumer report but not by much and since my score exceeded XXXX points, I was afforded the best rates. 

The JFQ key factors sighted in the JFQ report " Balanced owed on revolving accounts is to high '' and " Amount owed on Accounts is too high '' is inconsistent with my consumer reports credit report which indicates that credit used " {$1800.00} '' of the " {$53000.00} '' represents only 4 % of my available revolving credit and placed my credit score as exceptional vice JFQs report of very good. 

While I agree that the variation did not affect my interest rate based on a score above 740, this is not the case for many other consumers similar to me who have a 40 point lower consumer score of XXXX vice XXXX which could put their JFQ mortgage score at below 740 points. 

The disparity point difference between the two seems excessive with out clear explanation. XXXX membership did not agree with the disparity. XXXX case # XXXX.
Product: Credit card

Hello, I recently checked my XXXX XXXX  account and I have XXXX cards in my name that I did not apply for. A XXXX XXXX card, a discovery  card, and an XXXX card. Ive never received any of the cards but they all have a balance on them. The discovery card has been charged off at XXXX. I barely have enough money to pay my bills XXXX can not pay for something I did not use.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries : Under the Fair Credit Reporting Act ( FCRA ), creditors must have your authorization for each hard inquiry. If these inquiries are duplicates without authorization, they could violate FCRA regulations. 

In your dispute with Experian, cite 15 U.S.C. 1681b ( f ), which requires permissible purpose for any hard inquiry i do not recognize these account plz remove asap 1. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Potential Duplicate 4. XXXX XXXX Date : XX/XX/XXXX Removal Date : XX/XX/XXXX 5. XXXX XXXX Date : XX/XX/XXXX Potential Duplicate 6. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Potential Duplicate with XXXX XXXX ( same date ) 8. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX 9. XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX 10. XXXX XXXX Inquiry Date : XX/XX/XXXX,
Product: Mortgage

The company refused to give me a modification, and i was approved and doing a modification under the XXXX old mortgage company. They refused to pay off my taxes under my home which was in the loan, when I would call all the reps would get smart and say well you owe the bill so you should n't be complaining. they refuse to give me a modification, and refused to hold off on a foreclosure when the application was submitted. it 's like they was n't trying to help me save my home all. i have left numerous messages for account rep and supervisors to call me none of this was happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly billed me for a homeowners insurance policy. I was unaware this policy was active as I had insurance through a different provider at the time. This policy was cancelled for non-payment in XX/XX/XXXX. The account was then sent to a separate collection agency ( Credit Collection Services ) in XX/XX/XXXX in the amount of {$100.00}. This amount was paid to Credit Collection Services on XX/XX/XXXX as I did not want to risk my credit getting ruined over {$100.00} despite me not agreeing to the actual charge. 

In XX/XX/XXXX I became aware that this account was placed on my credit report as a " paid collection. '' Since then I have spent countless hours attempting to get this removed from my credit, sent multiple supporting documents to both XXXX and Credit Collection Services. Today I received the attached letter from XXXX stating " this bill was sent in error and requested have been made to remove the bill and any ill effects it has caused from your credit report. '' I called Credit Collection Services on XX/XX/XXXX and spoke with XXXX at Credit Collection Services who stated " It is company policy that we do NOT remove any collection accounts from the credit report. '' He further stated that " The best we can do is state the collection account is paid in full. '' I asked him to confirm that he understood the original creditor ( XXXX ) has stated the account was sent to their office in error and he confirmed he understood. He checked with a " supervisor '' and came back on the phone stating the company policy is to NOT remove collection accounts under any circumstances.
Product: Student loan

Fed Loans Servicing suggests that two accounts were removed from my credit report. In fact, these two accounts were consolidated XXXX months ago with XXXX loan servicing. 

This situation suddenly occurred after President Joe Biden announced the debt forgiveness program. 

As a result, this action caused my credit score to drop XXXX points. 
I have tried to reason with a Fed Loan representative, but without success. The against seemed to not know how to approach my concern. 

Usually, the accounts show " in good standing. ''