23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX, XXXX, CA XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX MEDICAL XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX THIS IS NOT MY ADRESS XXXX, XXXX FL XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY XXXX ADDRESS : XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY ADRESS TO XXXX XXXX, FL XXXX I BEEN LIVING THERE SINCE XX/XX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within XXXX business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA XXXX ( b ), XXXX U.S.C. XXXX XXXX ( b ) XXXX. A. Blocking Information in Credit Reports under XXXX and XXXX ( a ) ( XXXX ) Under section XXXX of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt XXXX, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  Mattress from Sears on XX/XX/XXXX. The mattresses scheduled delivery was rescheduled several times by Sears. As I can not pay for an item I did not receive I called Sears Mastercard to inform them I had not received the mattress. They agreed I could pay for the mattress when I got the mattress. I finally received a damaged mattress on XX/XX/XXXX at XXXX XXXX. Since the mattress was damaged, I called within an hour to return the mattress. They convinced me to wait for a replacement mattress. Following several delays by Sears once again, the damaged mattress was picked up on XX/XX/XXXX at XXXX XXXX. Even after I returned the mattress I received several more harassing phone calls demanding payment. I finally received a letter from Sears Mastercard dated XX/XX/XXXX that I did not owe them anything. When I checked my credit report in XX/XX/XXXX I learned that for the month of XX/XX/XXXX and XX/XX/XXXX they had reported me as missing payments. This is incorrect as I never missed any payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly late on the XXXX XXXX   XXXX accounts. ( Please see pages 4 6 attached from my credit report, along with a spreadsheet outlining account numbers. ) These student loans are in deferment. I have attached a copy of the letter from XXXX XXXX dated XX/XX/2019 verifying an Administrative Forbearance on these student loan accounts. This incorrect reporting of late on these accounts is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with P & B Capital Group LLC. They did not provide me with the original contract as requested. I submitted a dispute of this information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX ( XXXX ) XXXX I have tried calling explain to company my identification was confiscated and ive pressed charged on the person and I didnt make this purchase. 
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards
Product: Debt collection

This account was originated by XXXX XXXX XXXX wireless and was sold to 3rd party collection agency. Ive disputed thru all three credit bureaus and this was agreed that it was a fraud account and was removed from my credit report they then sold it to 3rd party collection agency and Ive dispute and theyve been remove XXXX  times now a credence resource mana account # XXXX is report it again and this time this would make the second time they have reported this account it was removed once before. I would like this account removed and blocked for good
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these two accounts below have violated my federally protected consumer rights to privacy and confidentiality, and fairness in the consumer market. 

Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.C.S 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information - any adverse item of information, other than records of convictions of crimes antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if they person knows or has reasonable cause to believe that the information is inaccurate.

I disputed these two accounts, and they were verified despite there being inaccuracies of date of account and address.

One of these accounts was repeatedly re presented to cause repeated injury to my credit, an account from XXXX presented as new repeatedly in XXXX, and the consumer reporting agency allowed this. 

The agency did not furnish me with a report on the investigation on how they verified the account which in itself is another violation of my consumer rights, as per Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumers file if the consumer alleges the item to be inaccurate. 

With regard to this I would seek remedy as is statutorily my right to do. This is unfair. The debt was incurred as a result of the pandemic and issues with the property and landlord, and there was considerable dispute such that it was an unfair assault on my credit to allow it to be repeatedly presented as a new debt, the original company refused to investigate the issue and assist me at a time of need. 

There must be rules on CRA allowing furnishers to attack the credit of a consumer in this way? 

I am seeking consolidation loans to assist with managing my debt and to finance my business growth to increase my income, towards buying a house etc and these erroneous statements on my credit are negatively impacting my life.
Product: Checking or savings account

On Friday XX/XX/XXXX, my checking account was hacked multiple times and charged three times in the amounts of {$120.00}, {$120.00}, and {$120.00} from XXXXXXXX XXXX XXXX XXXX XXXX all in the same day and time. These unauthorized transactions also happened in another state that I do not reside in. I have reached out to Chime 5 times and they have done nothing to settle my dispute. I first opened my dispute on XX/XX/XXXX and they closed my dispute the same day without my knowledge, they did not reach out to me or contact me regarding my dispute at all. They keep telling me to wait and that my case will be escalated but I have not heard or seen any changes to this matter. I have tried reaching out to XXXXXXXX XXXX XXXX and I have not heard back from them after calling and sending a message through their website.
Product: Mortgage

The main focus of the complaint is that Bank of America supposedly put a flood policy on my HELOC account on XX/XX/XXXX, AFTER they sold my original mortgage to XXXX on XX/XX/XXXX. The only VESTED interest Bank of America had in my property AT THAT TIME was {$18000.00}, with a max loan value up to around {$24000.00} total. 

They had a copy of the Elevation Certificate for which I had to pay out of pocket, but failed to use it when they supposedly obtained coverage. They allegedly obtained coverage for {$250000.00}, which they had absolutely no right to do since their vested interest was at a MAX {$24000.00}. 

The policy shows to have been in effect from XX/XX/XXXX, through XX/XX/XXXX, and yet they are wanting me to pay for a portion of the premium from XX/XX/XXXX, through XX/XX/XXXX. There was NO FLOOD POLICY on my property at that time. 

I also have documentation from XXXX showing that Bank of America told them the policy lapsed on XX/XX/XXXX. If that is truly the case, why am I expected to pay premium though XX/XX/XXXX??? 

Bank of America has been sued and has had to pay retribution for requiring everyone with a mortgage to have a flood policy. They were provided with documentation showing my property was not even in a flood plain, but they failed to drop the requirement. 

Bank of America also submitted varying amounts to me for their alleged coverage. I have tried to get them to provide proof of payment, and they refuse to do so. It is their standard practice to stop returning calls so the consumer will fade away. 

I am roughly {$760.00} away from paying off my HELOC account and need to have this money removed from the escrow account so my lien can be released free and clear. I have REPEATEDLY asked Bank of America to do the right thing since XXXX and still can not find anyone competent enough there to realize all of the fraud they have committed. 

I can provide any letters/documents you may need to pursue this complaint.
Product: Credit card

Hi, Happy new year! 
I opened an amex XXXX card on XXXX XXXX, 2016 but I did not receive XXXX reward points. I called Customer service and they said I will not receive it because I have Premier Rewards Gold Card. To the best of my understanding, the XXXX cards are different products and therefore I should be eligible to get opening bonus. In addition, many friends received bonus of both cards. I wish I will be treated equally. 
Could you help me solve this problem? 
I greatly appreciate your help! 
XXXX
Product: Credit card or prepaid card

I have XXXX credit cards with Citi and our banking relationship spans over 10 years. On XX/XX/XXXX, Citi closed all XXXX existing card accounts without warning. I did not receive any phone call, email or regular mail notifying me that this was happening. I discovered these closures by chance on XX/XX/XXXX, when I logged into the Citi mobile app. 

As a result of these closures, I am unable to re-open my accounts and I also have over XXXX Citi XXXX points that have been unfairly taken away from me. Citi phone reps have also told me that they are unable to re-open my accounts and therefore I will no longer have access my points. 

Upon further reading of the closure letter in-app, I am told that my accounts were closed as " Citi does not allow accounts to remain open with a mailing address outside the United States. '' This should have been an easy fix -- I still have a mailing address in the United States and can easily change this to keep my accounts open.
Product: Mortgage

We paid off our mortgage with Truist Bank XX/XX/2022. We were told the money in the escrow account would be mailed by check XX/XX/XXXX. As of XX/XX/XXXX and over 20 phone calls, we have not received a check. We have been lied to, and Truist has blamed the post office for not delivering the checks. We have asked them to put a tracker on the checks and they will not. It is my understanding it is against the law for them to hold our money for more than 30 days. Truist will not return our phone calls, messages have not been returned and I have talked to every rep but not one person will take action on this.
Product: Credit reporting or other personal consumer reports

delete XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Mortgage

I received a letter from XXXX XXXX servicing stating that I had a past due amount of {$1600.00}. When I called Customer service representative ( Ms. XXXX ) on XX/XX/2020 she stated that the late charges had originated with CIT servicing. When I called CIT on the same date, Customer service representative ( XXXX ) stated that the companies were different divisions of the same company. I explained that the letter I received when the change was made stated that all conditions remained the same ; therefore, I did not change the payment date for my bank 's bill pay. All payments were sent through bill bay on the same date of each month and neither company can explain why I have late charges.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report, despite my previous attempts to resolve these errors. My experience aligns with the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian ( Case No. 8:25-cv-00024 ) on XX/XX/year>, in which the agency alleged multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Specifically, Experian has failed to conduct reasonable reinvestigations, misrepresented the nature of my dispute to furnishers, and continued reporting inaccurate information in violation of my rights under federal law.

Accounts/Items in Dispute XXXX XXXX XXXX XXXX Fraudulent Account XXXX XXXX XXXX XXXX - Fraudulent Account XXXX XXXX XXXX XXXX - Fraudulent Account Violation of FCRA Requirements Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. However, according to the CFPB lawsuit, Experian has a pattern of : Failing to forward all relevant dispute details and supporting documents to furnishers.

Relying uncritically on furnishers responses, even when they are illogical or inconsistent.

Sending consumers misleading or unclear results regarding dispute investigations.

Allowing previously deleted inaccurate information to be reinserted onto credit reports.

My Legal Rights & Requested Action Pursuant to the FCRA, I request that Experian : Conduct a proper reinvestigation of my dispute by forwarding all relevant information and supporting documentation to the furnishers.

Provide me with a written statement detailing whether the disputed information has been corrected or deleted.

Immediately delete or correct all inaccurate, incomplete, or unverifiable information from my credit report.

Cease the reinsertion of any deleted inaccurate information unless it complies with the certification and notification requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide me with a free updated copy of my credit report once the disputed items have been resolved.

If Experian fails to properly investigate and correct my disputes in compliance with federal law, I am prepared to file a formal complaint with the CFPB and seek legal action for damages under 15 U.S.C. 1681n and 1681o.

I have attached copies of supporting documents ( credit report, correspondence, payment records, etc. ) to substantiate my dispute. Please respond to this dispute within the 30-day period required by law. 
Sincerely, XXXX XXXX
Product: Debt collection

I had an outstanding medical bill from XXXX XXXX of XXXX which was from an automobile accident I was in where I was not at fault. I had several bills from multiple medical providers and thought I had paid the above mentioned bill of {$1200.00}. I received a call from KCI ( Kansas Counselors Inc ) about a week after my settlement -- Week of XXXX XXXX stating they were attempting to collect this debt. I had not received any prior information about this so I asked the representative to send me a copy so I can verify the debt and see if I have already paid it. I told them if it was valid I would pay it. Before I could even get the statement I noticed that the company put this debt out on my credit report. I told them I would pay the debt so reporting this immediately has hurt my credit. I will be paying this but I would like this to be removed from my credit report.
Product: Mortgage

I was laid off due to XXXX XXXX and fell behind on payments. 
i applied for mortgage assistance from the lender Citadel servicing Corp. 
They sent me a reinstatement letter for {$45000.00}. i did not have it. 
i recently got a call from XXXX XXXX who said that Citadel was prepared to take {$30000.00} in XXXX as deposit. I told her that i did NOT receive any such call for email. 
She said she would find out what could be done. I told her i could pay {$40000.00}. 
She did not get back to me until yesterday, almost a month later with a reinstatement letter for {$75000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

CARES ACT H.R.748 116th Congress ( Sec. 4021 ) If a furnisher of credit information provides an accommodation to a consumer affected by the COVID-19 outbreak, and the consumer complies with the terms of the accommodation, the creditor generally must report the account as current.

Provided accommodations ( i.e. waived late fees and forbearance ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Product: Mortgage

My mortgage loan forbearance was supposed to end on XX/XX/XXXX. I called Loancare LLC on XXXX week to work out a deferment on my loan after my forbearance ends on XX/XX/XXXX. Loancare took me off my forbearance without telling me and without my approval and now they are making my payment due XX/XX/XXXX instead of after my forbearance that ends on XX/XX/XXXX. This is not what I wanted or ask for. The customer service girl just did this without my approval and I was never notified I was being taken of forbearance early like this. It has caused me a tremendous financial issue because I was not prepared to start making my mortage loan payments until after XX/XX/XXXX when my forbearance ends. I have called Loancare 7 times since the XXXX week to get this resolved and all I get is put on hold and disconnected and brushed off competely and no one will get this corrected for me. They have so many complaints the hold time is 3 to 4 hours and it always disconnects when your waiting on hold. They will not call you back or make any attemps on their end to get your issue resolved. This is a government forebearance program to help consumers during this Covid pandemic and I have been taken full advantage of by Loancare for taking me off my forbearance a month early and I can not get any cooperation from them in any way to get this issue corrected. I am pretty certain they have violated forebearnce laws here and they need to be help accountable for their actions and horrible customer service. They have over XXXX complaints with the XXXX XXXX XXXX.
Product: Debt collection

I receive calls from XXXX, and when I answer a person says their name, and that the call is being recorded. 
I ask them every time to identify themselves, their company and why they are calling, and they will not. They refuse to tell me any information, and keep asking me if I am XXXX XXXX XXXX  to which my response is that I am aware of multiple scams out there where people call ask if they are speaking to " x '' and when the person says yes, their voice is now captured and can be used in scams, AI calls, etc. 
I also state, that if they are a debt collector they can send me via USPS proof of the debt, and that I will happily verify my mailing address. Usually, they disconnect the call at that point.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX