23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXXwasmaileddisputesregardingmycreditreportfortwomonthsworthoflatepaymentsreportedfromXXXXandXXXXofXXXXcausingmetohave6(six)latepaymentsshowonmycredit.Aftermorethan6monthsitwasfinallyresolvedandXXXXXXXXsentcorrespondencetomeandalsoherethattheissuewillbecorrectedandtheupdatewillreflectonmycreditreportswithin60daysfromXX/XX/XXXXwhichitwas.
However,XXXXXXXXcamebackhereonCFPBinXXXXandstatedthatagaintherewasanothererrorandthecorrectiontoremovethelatepaymentsfromXXXXandXX/XX/XXXXwasalsoremovedinerrorandthatthelatepaymentsshouldremainonmycreditreports.
MyissuewithXXXXXXXXisthattheyarenotresolvinganissuethattheycreated.Ihavesentseveraldisputestothiscompanyandhavenotreceivedanyformofresolutionthishastakenatollonmementally,physically,andemotionallytohavetoendurepainandsufferingallbecauseoftheirmistakes.Nooneatthiscompanyhastakenaccountabilitytoresolvemyissue,pleaseassistandIwanttheselatepaymentstoberemovedonceagainfromallthree(3)ofmycreditreportsimmediately.

Fortheircompanytoagreetoupdatethisinformationthenlatergobackandaddittomyreportisdestructivetomycreditworthinessandillegal.
Product: Debt collection

In XX/XX/2018 I filed a complaint with the department of Insurance of the State of Kansas against XXXX XXXX for not resolving a claim. 

Shortly after filing a claim with the DOI of Kansas we were hit with a phantom bill for {$6300.00}. We were never given notification for what the bill was and the amount was taken from our checking account. I forced XXXX XXXX to return the money and disputed that we owed them anything. 

I believe this was a tactic to get us to stop being a customer of XXXX XXXX by creating phantom charges because of the claim that was filed against them. 

When talking to a XXXX XXXX rep about these charges we were told they were due to an agent under reporting our employees payroll. When we looked at what our estimate was versus our actual amount paid was they were almost identical. 

We believe this was due to an error from the Insurance broker. 

This phantom debt was now passed on to Caine and Weiner a law firm that is trying to collect on this debt listed under the account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Account Name : XXXX XXXX, with Account Number : XXXX has violated my rights in multiple ways! 

I've received a letter in the mail from them saying that they have verified my information, but it is COMPLETELY wrong according to my credit report. The FCRA : 15 U.S. Code 1681s2, states that A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681b States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not given XXXX  XXXX written instructions to put this on my credit report, nor do I have a contract with XXXX XXXX ( which I've requested to see and have yet to get ) This is the same company XXXX XXXX XXXX ), that the CFPB filed a federal complaint against and WON! 

It is not fair that these people keep calling, harassing me and impacting my credit in a negative way with their false information. It is also illegal according to my lawyer, as well as the FCRA. 

XXXX has deleted this and I would like for XXXX and Experian, to do the same due-diligence and delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I mailed Experian a letter disputing several items on my credit report. On TODAY XX/XX/2023 I received an email from them stating they received the dispute but would not be taking any action and investigating what I disputed because it does not appear to be sent directly by me or authorized by me. This is refusal to investigate and are grounds for a lawsuit. This is a violation of FCRA. 

I have attached a copy of the email sent to me by Experian today.
Product: Bank account or service

I opened a Citigold checking account with Citibank on XXXX XXXX, 2016. I entered the promo code " XXXX '', which was for a XXXX AAdvantage Miles bonus. I completed all the requirements of the offer : XXXX bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases with their respective debit card. I made the qualifying bill pays in XX/XX/XXXX and XX/XX/XXXX and completed the { {$1000.00} } spend in XX/XX/XXXX. I contacted Citi via online chat session in XX/XX/XXXX after I finished all the requirements needed and was informed that I correctly completed the requirements and should receive the bonus miles no later than XXXX 2016. I contacted Citi again in XXXX to see why I had n't received the promotion. XXXX XXXX, customer service rep, sent me an email saying I will receive the bonus in XX/XX/XXXX. I messaged in XX/XX/XXXX and asked about the mile and XXXX XXXX, customer service rep said : " I can confirm the miles have been processed to your AAdvantage member account. Please be advised it may take an additional 30 days for the miles to be posted to your AAdvantage account. '' In XX/XX/XXXX I called and asked about why my miles never posted as promised at least three different times and was informed that I was not targeted for the promotion and will not be receiving the bonus. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. How can they take away the promotion after I 've met the qualifications and they have told me to just wait it out multiple times? If I was never targeted for this bonus, why did they let me open the account, give me a promotional disclosure with the rules, tell me I would receive it over their online chat session, charge me a $ XXXX monthly fee for the account ( { {$90.00} } deducted total so far ), meet the rules and wait all this time before finally telling me, after I had to contact them numerous times, that they are n't giving it out?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent experian more than 8 letters since XX/XX/XXXX regarding this account on my credit report by the name of XXXX XXXX  and another of XXXX XXXX XXXX. they continue to verified as accurate eventhough when i point oout all the inaccuracies and violation on this accounts, XXXX XXXX reports as open which is not, it has been closed since XXXX, i disputed with the creditor also and they did not place the " notice of dispute '' not the creditor nor the credit bureaus, XXXX XXXX XXXX the same thing, this account reports a late payment every single month eventhough it has been closed since XXXX, the creditors ignores my request of disputes and the credit bureaus continue to verify inaccurate accounts in violation. XXXX has been the same exact issues. how can XXXX see the inaccuracies and violations and remove these accounts, but experian and XXXX  wont see them???
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion to explain to them that I had not authorized these inquiries and I was a victim of their inquire glitch. I requested them to remove the negative inquiries and spoke with XXXX at TransUnion and she would not help and take care of the negative inquires that are reporting on my credit report. 
I asked them to remove the following negative inquiries ... .. 

XXXX XXXXXXXX inq. ( finance ) from XX/XX/XXXX consumer in. ( XXXX XXXX ) XX/XX/XXXXXXXX XXXX/XXXX/XXXX ( department & stores ) XX/XX/XXXX XXXX/XXXX/XXXX ( department & stores ) XX/XX/XXXX XXXX ( MISC. ) XX/XX/XXXX XXXX ( automotive ) XX/XX/XXXX XXXX XXXX ( automobile ) XX/XX/XXXX XXXX ( finance ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX ( MISC ) XX/XX/XXXX XXXX XXXX. ( BANK ) XX/XX/XXXX XXXX XXXX. ( Finance ) XX/XX/XXXX XXXX XXXX ( automotive ) XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX ( finance ) XX/XX/XXXX andXX/XX/XXXX and XX/XX/XXXX XXXX ( bank ) XX/XX/XXXX XXXX ( national credit card airlines ) XX/XX/XXXX XXXX XXXX ( finance ) XX/XX/XXXX XXXX XXXX ( finance ) XX/XX/XXXX and XX/XX/XXXX XXXX ( finance ) XX/XX/XXXX I called Transunion and spoke with XXXX to get help with the removal of the negative inquires and I did not receive any help at all and I have called prior asking about removal and still no help. 

My name is XXXX XXXX and ss # XXXX birthdate XX/XX/XXXX I can be contacted at XXXX or XXXX
Product: Debt collection

Both XXXX and XXXX have incorrectly verified that the collections requested from Sunrise Credit Service during the dispute process, however I am the victim of identify theft and did not set up, nor had any knowledge of the XXXX XXXX XXXX account in question until it appeared on my credit report. I received the XXXX dispute results on Friday, XX/XX/22 and the XXXX dispute results on Monday, XX/XX/22. 

XXXX correctly removed the fraudulent address associated with the account and yet still verified the collections information as accurate. 

I spoke to Sunrise Credit Services for the second time on XXXX, XX/XX/22 and an investigation is underway. The first time I called them they directed me to XXXX XXXX XXXX and given that their call volume is too high, I submitted a form online to look into the fraudulent account. 

I continue to be disappointed with how easy it is for someone to steal your identify, and how difficult it is to rectify a situation. I have fraud alerts and security freezes set up, yet continue to deal with information that was available previously. 

Thank you for your consideration. I sincerely hope that you can help resolve this issue and work with the credit bureaus to improve how they do business.
Product: Student loan

On 2012 my XXXX email was hacked and i have not used my XXXX email in over ten years. I was notified by a Navient representative that i requested several deferments and forbearances through my email, when in fact i did not. I think it is very harmful to request forbearances or deferment without disclosing the nature of how it works We would love that Navient to contact XXXX  and XXXX  to contact and let them know that the account is old and it went into default XX/XX/2012. The email " XXXX '' has been hacked since XXXX. So XXXX XXXX Never requested DEFERMENT OR FORBEARANCE through email. So when XXXX  and XXXX  contact Navient they have to let them know that the account is old ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have me several attends to remind you of your duty pursuant 15 USC 1681. It appears that youre intentionally and willing being neglectful in remedying my affairs. 15 USD 1681e ( b ) assures that I'm due, promised accuracy in my report base in federal law. I am making this call as another attempt to have these errors connected on my credit report. 15 USD 1681i ( A.5 ) says all unverified information mist be promptly removed. This infomation was update without proof of wet signtures, eoscar permission or any documentation. 


In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX  account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX Equifax account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Equifax account XXXX XXXX XXXX following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please correct my employer 's information. Experian listed XXXX XXXX XXXX XXXX and 'XXXX XXXX XXXX but my correct employer is XXXX XXXX ' XXXX This incorrect information violates the FCRA 's maximum possible accuracy and if it is not corrected after this dispute you, will be held liable for damages of at least {$1000.00} for willful noncompliance. I'm sure you understand the importance of maintaining up-to-date and accurate information on a consumer 's credit report.
Product: Checking or savings account

Around XXXX through XX/XX/XXXX BBT opened a Business account online for someone using my ID, SS #, and Address. They opened an account with around {$100.00}, which they were immediately given access to, and the account was opened in the name of XXXX XXXX. All the paperwork came to my house for signatures. I called the bank immediately and explained it was a fraud and that they were going to check into it. In the meantime, I continued to get mail from BBT / and then TRUIST about the account and statements every month. I went over an hour to the nearest branch, several months later, to produce my personal ID and requested information about the account, as it was still open. Since I initially introduced myself and that I was there to make sure that the account got closed. They then informed me that since it wasn't my account I can not access any information about the account. So I can find out who may have my information and stop any further problems. There were also XXXX to XXXX credit checks and a couple of unknown charges on my credit report. I have continued to get Statements up until XX/XX/XXXX, with a balance of {$0.00} on the checking account. I again went to the bank to make sure the account was closed, because I was able to call customer service with my ID information and it pulled up the account as if it was open, I told customer service that this account should be flagged as a fraud account and was supposed to be closed. I still get marketing information from the bank and its affiliates and hate that my personal information is in their system also mentioning my business account with them. I have asked politely for them to remove any trace of my information from their systems. They informed me that it was impossible to do that. Please let me know if there is anything that can be done. There is also a charge on a XXXX account for a XXXX purchase. I have never ordered, received, or visited any of that company 's websites. I am tired of trying to fight this alone. As a recent widow, due to COVID, my options to follow up on these items have been limited. I have disputed some of the items and they won't remove them and it affects my credit as well. Please let me know if you can help. I have a huge, expanding file folder full of mail and documentation to support this claim. Contact me if you can help. I also recently received XXXX Invoices to be paid in a XXXX account with no company name on shipped products. I can't wait to find out where that goes.
Product: Mortgage

There is a serious communication problem on understanding our request for answers. So in attempt for simple answers this is an easy YES OR NO selection to the following questions : DO YOU -- -- -SPECIALIZED LOAN SERVICING FOR BANK XXXX HAVE THE REAL ORIGINAL LOAN AGREEMENT ( NO COPY )? YES OR NO? IS THERE A LOCATION TO WHERE WE CAN GO TO SEE THE ORIGINAL LOAN AGREEMENT IN PERSON? YES OR NO? This is very simple to answer can anyone at Specialize Loan Servicing understand these requests? YES OR NO?
Product: Checking or savings account

I opened a checking account of Betterment through the link of XXXX on XX/XX/XXXX. 2021, when they promised they would return a cashback of {$120.00} for opening a checking account for the first time and depositing {$1.00}. My application was received on the spot and they informed they needed 1-2 business days to process my application. However, they used over 2 weeks to approve my application, during which I could not fund my checking account. They also asked for repetitive proof of address even when I already submitted my car registration card in the first place. After I successfully deposited my checking account on XX/XX/XXXX of {$10.00}, I asked XXXX about cashback. XXXX contacted Betterment and Betterment refused to issue cashback because they no longer offered cashback by the time I deposited my account. 
To me, this is a fraud. I opened the account because of the cashback offered. If the account was approved as they promised in 1-2 days. I was still eligible. Betterment used two weeks and it's very likely they were doing so to cheat customers. I also knew others, including my roommate, who applied for the checking account because of cashback but received nothing for pending application. 
I didn't make any mistakes and I followed all procedures as I can. I heard Betterment before about how convenient it was to use their debit card to withdraw cash without service fee globally. So I opened an account immediately when I saw cashback. However, this experience is very disappointing. I know XXXX XXXX and XXXX are also offering similar products without service fee when withdrawing cash globally. If I was informed with no cashback, why would I choose Betterment? I don't even want to further deposit money to a dishonest bank.
Product: Debt collection

I am not a tax expert, attorney, or legal counsel but rather a consumer pursuant to the Fair Debt Collection Practices Act. 
I am in receipt of a communication via implication that any individual is an attorney or that any communication is from an attorney in response to a request for validation of an alleged debt on behalf of depository institution Synchrony Bank. 
The balance in excess of {$1.00} in accordance to the Fair Credit Billing Act is a credit balance deceptively purported as The false representation of the character, amount, or legal status of any debt balance. 

Synchrony Bank confirms that the credit balance due is correct and has made no effort to refund the credit balance in full by check, cash or money order. 

As there is no deficit stated to verify a debt Synchrony Bank has illegally taken action that can not legally be taken to disgrace the consumer by communicating to any person credit information which is known or which should be known to be false. 

Please see enclosed credentials and deceptive communication enclosed alleging debt.
Product: Credit card or prepaid card

Inquired about a cash advance XX/XX/XXXX.
Chase policy is max 20 % of credit line which {$25000.00}. Was told that I had an advance back in 2014 ... .for around {$4000.00} and wasn, t eligible for another one  because my balance was still the same.
my min due each month has been around {$300.00} ea month and I ALWAYS pay more than min due ... {$500.00} currently.
Why hasn, t my cash advance balance been reduced along with my purchase balance since I always pay over and above the min due each month?
Cash Advance interest 25 % / purchase charge is 12 % ... .I feel like a cash cow for Chase or the gift that keeps giving since I pay 25 % interest each month on a Cash Advance balance that NEVER reduces regardless how much I pay above the min due each month! THERE IS SOMETHING WRONG WITH THAT PICTURE!
Product: Mortgage

Our home was severely damaged on XX/XX/XXXX by arson fire. My home insurance carrier made initial payment to us through my mortgagee Bank of America ( BofA ). BofA told us that they will do an incremental release of that fund based on percentage of repair completed by the construction company of whom we hired to do the home restoration. 

BofA has contracted a home inspection company XXXX XXXX XXXX to conduct periodic inspection, and send a report in, and BofA based on that home inspection reports percentage of completion to release funding to me so I can pay the contractor XXXX XXXX XXXX. All that time I had no idea which home Inspection Company conducted the inspection, nor any of those reports ever send to me for review. Sixteen months had gone by and our home no where near completion. 

I asked BofA to send me all home inspection reports they had received. I ran into resistance from BofAs processor who handles my claims. She finally sent me 2 reports, first one was done on XX/XX/XXXX, and second one done on XX/XX/XXXX. Both reports stated a 60 % completion, from what had been done, my wife and disagree with that 60 % assessment. I asked the BofA processor if the home inspector had taken photos for me to look at. I ran into resistance from this BofA processor again commenting that she only sent the written report, not the photos. I told her that I have the right to view those photos of my own home. Took multiple phone calls and she finally sent them. When we view those photos, my wife and I were gasped, the written report no where matched up with what was shown in the photos. 

I then contacted BofAs processor insisted on the bank to schedule another inspection. For this inspection conducted on XX/XX/XXXX, and the only inspection I met with the home inspector ( previously was scheduled and let in by XXXX XXXX XXXX ) walked him through and explained to him what had been done and what were pre-existed work. At the conclusion of this inspection I asked the inspector for a signed copy of that report for my own record. The inspector indicated that only 40 % of that restoration was completed by XXXX XXXX XXXX. I asked this inspector why didnt I get this report instead of a nicely typed report from BofAs contracted inspection company XXXX XXXX XXXX XXXX He told me sending in his handwritten home inspection report to BofAs contracting company is how he received pay. He also told me that once his report left his hands, he has no control over if any alteration is done to his content. 

I then call BofAs processor on XX/XX/XXXX to send me the XX/XX/XXXX, home inspection report the moment she received it from XXXX XXXX XXXX. The report came in, as expected falsified information on the percentage of completion as 60 % instead of the 40 % from the original handwritten report. Attached are the XXXX home inspection reported submitted by BofAs contracting home inspection company, XXXX XXXX and the corresponding photos.