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

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX ] Account Number : [ XXXX Reason : [ account is closed need late payments remove I'm not responsible of this account info, can I get this off my profile asap please. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX XXXX  ]
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 Consumer Financial Protection Act ( CFPA ) alongside a recent scam that took place in my account. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. I lost over {$1500.00} due to a scam. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. I have lost over {$1500.00} due to a scamming on the Platform and ( Block , Inc ) WOULD NOT reimburse the money after the account was reported as a scam account multiple times. The company reimbursed {$250.00} and wouldnt send the rest. I lost a total of {$1500.00} and all they would reimburse is {$250.00}. The scam claimed to be government officials and the money was supposedly going to a bail bondsman agent. I was promised my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 17 hard inquiries on my credit report, 13 of which were for  the purpose of purchasing 2 automobiles. Each purchase was made in XX/XX/XXXX- XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX I went to one dealership for each of these 2 purchases where they submitted our credit report to several different lenders in order to get the best rate. As I understand it, each of these should count as one inquiry only since the inquiries were all made from the same dealerships within 30 days. I spoke with Equifax today ( XX/XX/XXXX ), and they refused to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian, XXXX  and XXXX  credit bureau to dispute a incorrect address thats on my credit file and they told me it is undisputable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint regarding fraudulent information on my credit report. Two days after doing so, Equifax made two files for me. Now the problem is worse than it was before. I need my complete file to be correct, and not have two files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  In accordance with the Fair Credit Reporting act the aforementioned accounts 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 an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account late under an open ended consumer credit plan for any reason. 

Refuse to block information resulting from identity theft Refused to send proof of validation of debt and full details of the supposed investigation.
Product: Debt collection

They stated that account only been open for one month witch is wrong because it been more then five years already and will be calling my lawyers.
Product: Checking or savings account

During the last week of XX/XX/2020 I received a promotional mailer from Citibank offering me up to XXXX bonus miles if I opened a savings account with a minimum of {$10000.00}. The $ XXXX amount would entitle me to XXXX bonus miles if I deposited it within 30 days of opening the account and left it on deposit for 60 days. I deposited $ XXXX on XX/XX/2020 and added {$3700.00} on XX/XX/XXXX. I expected the bonus miles by no later than XX/XX/XXXX but did not receive them. I called on XX/XX/XXXX and they opened an escalation file on my claim, I received a letter from them on XX/XX/XXXX stating that the requirements for the bonus had been satisfied. As of XX/XX/XXXX I had not received the miles so I called again, was on hold for over 30 minutes so I hung up tried again on XX/XX/XXXX. Agent I spoke with said the miles should have been awarded and she thought they would be on XX/XX/XXXX. 

Tried to chat on line 3 times yesterday but a live agent yesterday but after waiting 5+minutes I disconnected. Chatted today and agent told me to call 1-800 number. As of today, I have not received the bonus miles.
Product: Mortgage

Our mortgage was sold to PHH mortgage company. We have had problems since. Our mortgage was originally roughly {$3200.00} on around {$400000.00} loan. It has gone up in total {$1000.00} in the span of 6-8 months. When it first went up, we previously had our mortgage payments set up to pay bi-weekly as to make an extra payment each year. They began not only collecting our bi-weekly mortgage payments of {$1600.00} but then were also auto-drafting an entire other mortgage payment now in the amount of about {$3800.00}. We basically paid a double mortgage of about {$7000.00} for 2-3 months before we figured out the issue. When I inquired about why they charged us an additional entire mortgage payment, they said that's what they do when a payment is made to them that isn't the full amount. I have since read that this is not a good faith practice. They did not return the money to us, or credit it to the current or next month. All additional money was applied to our principal. The first increase went up by {$600.00}, we were told this was due to the fact that we had not established our own home owners insurance, and they were charging us a very high amount to provide their own. When this issue was remedied, when the payment did not go back down, we were then told our property taxes had been reassessed and had increased. The mortgage then increased by another {$400.00}. When we inquired how that could be possible. We were told we had a deficient escrow account. A deficient escrow account despite the fact that we had missed no payments, and in fact payed almost double our mortgage amount for several months. We are looking into getting a lawyer as we do not feel that a {$1000.00} mortgage increase, where the reasons continue to change is legitimate. Clear answers are not given, and nothing is accomplished in our conversations. We have researched the company and it appears that they have had abundant litigation against them for reasons similar to our own situation. Which include continually increasing a mortgage payment through loopholes and technicalities until the owner eventually can't pay and is foreclosed on. We have also been made aware that the mortgage is again going to be sold. We have also read this is a common practice by PHH. Where they do these unethical or even illegal things, and then quickly sell off the mortgage before they are held accountable. While this increase has not caused us to ever make a payment, it has made our finances very difficult, and led to our savings being depleted, and us neglecting other financial responsibilities just to insure we make our mortgage payment each month. This is the third home we have owned, and we currently still own a second residence, and we have never ever encountered these difficulties or business practices. As a home owner you expect your mortgage to fluctuate somewhat and reasonably. This was our dream home which we saved for 15 years for, and they have now made it almost impossible for us to remain in this home long term.
Product: Credit card

I applied and received a carecredit card back in XXXX. My XXXX almost died, unknowingly had XXXX and I used it to pay for vet bills that totated over {$6000.00}. I paid the card down to about {$3500.00} and then the XXXX rate was over and since I could n't pay the card off in 6 months I incurred the interest charges for the previous 6 months, which brought the balance up over XXXX. I continued to pay and then realized that I would never use the card with such a high rate and I called CareCredit to close the entire account. I told them I wanted to close the account and pay it off. At the time it was at about XXXX in XXXX. Fast forward to XXXX. I have paid more than the XXXX a month minimum payment in order to pay this debt off. The interest rate is a whopping 29 %. In XXXX of XXXX my card had a balance of XXXX. This is a card I 've not used since XXXX and have made payments above the minimum for XXXX years. I just checked the balance last week and it is at XXXX???!!!! I lost my mind and called Care Credit. I said how is this happening, it should be going down slowly? Come to find out they did cancel my card but did n't cancel security protection which charges me around XXXX. A profit they receive each month in addition to the 29 % interest they are charging me which is around XXXX. A total of {$170.00} a month plus the incurred interest on the compounded security charge. So I 'm not even hitting the principle. I lost my mind to say the least. When I told them I requested the entire account be closed and not to incur any more charges than my balance and the interest rate. The security charge should have been canceled back in XXXX. They told me it would take several pay cycles to go into affect. This company is criminal and I want my bill to be adjusted to remove the security charges dating back to XXXX, when the account was closed. I 'm floored that this company is allowed to exist. Their behavior is absolutely criminal.
Product: Credit reporting

NO RESPONSE FROM CREDIT BUREAU PAST 30 DAY TIME LIMIT it is now 3 months. 

I sent Experian a letter that was received by them on XXXX ( delivery Confirmation attached ) in which I was disputing several items that did not belong to me due to them having someone else 's social security # listed as mine. The issue that is raised here is that I disputed a ( JUDGEMENT Item # XXXX in attached dispute letter ) since it does not belong to me. I never received a response from Experian pertaining to this Judgement, just everything else ( See EXPERIAN dispute RESULTS ) By law they had 30 days to complete the investigation, nothing was done or a response sent pertaining to the item in question. It is now considered NON COMPLIANCE XXXX XXXX Code XXXX of the FCRA. 

By law Experian should have taken one of these procedures but due to Willful NON COMPLIANCE they did not use either procedure ; -Should have re-investigated this Item within 30 days since new proof was submitted showing someone else 's Social security # as being listed on my report. No later than 5 days after the re-investigation was complete they should have contacted me. No response on judgement only other items. FCRA 611 ( 15 U.S.C. 1681I ) Subsection ( a ) ( 1 ) - Experian determines that consumer dispute is Frivolous or irrelevant they must contact consumer within 5 days from time of determination of dispute being frivolous or irrelevant. No response was received for this either. EXAMPLE OF THIS OCCURING PRIOR INVESTIGATION WITHOUT NEW PROOF WOULD RESULT IN DISPUTE BECOMING FRIVOLOUS OR IRRELEVANT & lt ; NOT IN THIS CASE. 
FCRA 611 ( 15 U.S.C. 1681I ) subsection ( a ) ( 3 )
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

My name is XXXX XXXX and Bank of Americas ATM took my money of {$1000.00} on XX/XX/2024 which was part of my rent money and havent credited my money back as of yet. They advised me that I have to wait XXXX to XXXX business for them to credit my money back that their ATM took from me which is bogus. XXXX getting charged late fees of {$500.00} from my landlord because of this issue. I expressed this to Bank of America and the only thing they can say is Sorry but Sorry isnt helping me pay my bills. I need my {$1000.00} back now! ATM id : XXXX Bank of America address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX MAIN XXXX XXXX 2021 XXXX XXXX AUTO XXXX XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have all these inquiries on my credit profile that I did not give any company permission to run my credit My consumer rights was violated
Product: Student loan

I have had accounts with this company for over 10 years and I have been making payments for 6 years on a {$20000.00} loan I took out over 10 years ago but now the loan is more than {$30000.00}. I have been making payments but the payments have never been going towards the interest. My monthly payments are constantly hundreds of dollars and it does not make a difference. They have never tried to work with me despite unemployment. They have contacted my co-signers despite my financial hardships even during the pandemic. I have a good income but not matter how much I make, these payments will continue to swallow all of my paychecks for another decade. I have not been able to get my loans refinanced. I filed bankruptcy in XXXX  but it did nothing for this debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent some information to Equifax for an inaccurate account showing on my credit report. I have not received any communication from this company nor have I saw this account being removed. I asked for verifiable proof for this account and have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account that is showing up on my credit report that does not belong to me I have tried to dispute this with all three bureaus as well as the furnsihers and they are not helpin me I need this off my credit report asap since it does not belong to me. 


XXXX XXXX XXXX - Acct # XXXX Amt {$360.00}
Product: Payday loan, title loan, personal loan, or advance loan

Since XX/XX/XXXX i have been trying to file SCRA with this company. i have provided them all the documentation required including orders and statement of service. the company has refused to proceed further.
Product: Credit card

I had no problem getting the alerts for statements and due dates till last XXXX 2014. THey stopped emailing me. I didnt know when the due date and how much the payments for XXXX, XXXX, XXXX and this month. they charged me with the late fees and harassed me by calling me and sending letters, THey threatened me with filing for code of default. I emailed them and told them I never got the alerts. They replied back and falsely accused me for changing my email address and blocking the alerts. I never did that. And XXXX of their employees sent me a letter and still accused me. He was very narrow minded. And they refused to listen to me. When I called the bank customer service, they required that I should use the XXXX or XXXX. I am XXXX. But I do n't have XXXX or XXXX anymore. I only use videophone. They were so rude and disrespectful. I told them that they need to apologize to me but they refused. The bank 's name is synchrony bank ( Amazon store card ). My lawyer wrote letters to them to stop harassing me and they have to pay off the balance. It is not my fault. You need to talk to them. And they discriminate against XXXX people.
Product: Mortgage

Called Homepoimtn Financial in XXXX regarding coming out of Forebearance and making a loan modification to start making regular mortgage payments again. Have called back several times to find out status and have been told to continue waiting for letter from company. We have never been able to smoothly make payments or work out agreeable situations and the customer service representatives are not helpful.
Product: Mortgage

This is the third complaint about Pentagon Federal credit Union to the consumer finance. We have been trying to refinance our second home since XX/XX/2020, all we get is excuses and promises that they are working on it. Nine months to do a refinance for a company that already holds the note on our home is way too long. 
After multiple appraisals multiple credit checks jumping through every hoop they can think of they asked us to do we did, this is out of hand we understand they do not want to sell us a loan at a lower interest rate due to they will lose money but they are the ones that gave us the advertisement and told us to apply now. 
We have been handed off to multiple loan processors who said that the paperwork has been lost and they need to start over again. When will this stop?? please lets wrap this loan up weve done everything you ask were been very patient this is just ridiculous.
Product: Debt collection

someone I was in a relationship with opened XXXX different XXXX XXXX XXXX phone accounts worth over {$5000.00} using my name and personal information. I have tried to dispute this and have it removed but have had no success. The account was actually removed from my credit, sold to someone and placed back on my credit report!
Product: Debt collection

I received a letter saying that Portfolio Recovery Associates LLC filed for an Application for Wage Execution with the Superior Court of New Jersey. XXXX XXXX. XXXX XXXX. XXXX. The debt is more than XXXX years old. I have not made any payments on this debt or reopened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 unverifiable collection accounts on my credit report that Equifax is reporting. I sent a certified letter on XX/XX/22. I have not received a response nor have they notated the accounts as being in investigation. There is no creditor, collection agency listed on any of these alleged accounts to contact for a validation. 

Ive included the letter I sent Equifax as well as the credit report showing all three accounts.