23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For the past several months there appears to be an extra charge on mortgage statement of {$32.00}. I contacted my mortgage company several times about this ( Greentree Mortgage ). And every single time I call, their representative gives me a different excuse for that charge ... i was told its a late fee ( their late fee is {$26.00} ), I was told I over paid XXXX month and because of that their system now thinks thats my new monthly payment, i was also told that years ago my previuos mortgage company did an inspection and thats what that charge is for. I even spoke to a supervisor who told me that there was an error in the billing, however all those customer service representative said to disregard that and that it would be corrected. After months of calling them and getting different answers I 'm still getting this charge and no one can correct this. I even sent an email to the company. Just on XXXX I called XXXX times got no where, XXXX person I spoke with transfer to someone else who then put me on hold while she research the account then hung up on me while I was waiting for her on hold. I feel there 's a mistake on my account and no one wants to correct it because whenever I call their customer service rep does n't understand my account, puts me on hold and then they all give me a different reason for that charge. By the way my monthly statement does not give a reason for that charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent Experian an letter requesting how Experian investigated a fraudulent account that was reinserted back on my credit report and it had been over 30 days no comply and that Experian did not due an proper investigation before they reinsert an fraudulent account as identified in 15 USC 1681a section 603E and is in violation of that law, I tried several times but Experian wants to due what they wan na due, but not to me. I going to make sure Experian as well as XXXX mainly Experian. Because Experian did not due a proper investigation, if they have I wouldn't be filing another complaint. And this time I have proof and I'm not letting up every information that's not accurate on my Experian Credit Report I'm seeking Damages as proscribed by 15 USC 1681n and 15 USC 1681o. so I don't give a XXXX about Experian I know one thing Experian as well as the other reporting agencies gon na abide by the FCRA LAWS. Or keep getting fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute on an entry on my Experian and  XXXX  credit file that showed a Chapter  XXXX  bankruptcy. I asked the company to provide me with documentation for how they came up with this entry. I asked for validation of the entry. Experian has not provided any such validation so I disputed it again. This time they wrote back saying that they would not investigate the matter anymore. This was printed on my credit report dated  XXXX   XXXX ,   XXXX  . The have not validated the entry nor have they provided any documentation supporting the validation of the entry yet they continue to knowingly inaccurately report the entry.  XXXX  has deleted the entry while the other  XXXX  credit reporting agencies continue to knowingly report false information.   According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information. This means that I have the right, by law, to dispute any item on my credit re port that I feel is not accurate. Also as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), they have 30 days to complete the investigation. When the credit reporting companies (  XXXX , Experian, and  XXXX  ) do   not prove the listing on the reports are accurate and provide validation in a timely manner when requested, by law the entry in question must be deleted. By not doing so they are in violation of federal law which can be punishable by a fine of {$1000.00} per violation if taken to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Employers show tooltip button Select as many as apply CHILD CARE Employment Inaccurate Use this reason if this is not your employer. 

XXXX Employment Inaccurate Use this reason if this is not your employer. 

XXXX XXXX XXXX Employment Inaccurate Use this reason if this is not your how can XXXX  just have amounts collections but no names or where they come frome FCRA violations see attachments remove it
Product: Mortgage

I had a house at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and I had XXXX behind on some payments Wells Fargo wasnt understanding and gave me some problems I was receiving calls all during the evening it was alot of harassment calls
Product: Credit card or prepaid card

I tried calling Discover Credit Card services to find out how they calculated my monthly interest rate. I know that it is now calculated based off 2 factors : your daily periodic rate and your average daily balance. I could not find out how they came up with the amount they provided for my average daily balance and called customer service for assistance. They could not provide how they came up with the number and I asked to file a claim. She said she would express my issue with someone higher up, but I still dont know how they came up with the amount and it was never explained. I will be looking further into my other credit card companies as well to see if it possibly exists beyond Discover. I just got off the phone with Discover as soon as I began writing this complaint. I believe millions of customers are being get XXXX XXXX by credit card companies and have been for longer than Id like to think. When they charge you an interest rate, it should be clearly explained on how that number was calculated. And I fee that you use be able to use the same formula, plug the same numbers they used, and get the exact same amount they did. If you cant, somethings wrong ; which could possibly mean they are overcharging interest.
Product: Credit card

I have good standing credit and pay all my bills on time, however, this company changed my billing statement at some point from paper to paperless. I did not request or consent to this change nor was I made aware of the change. At some point there was a bill that came due after a reoccurring annual charge that I was not made aware of until my credit was negatively hit XX/XX/XXXX. Once I was made aware of the issue I pulled up my account and saw I had already been charged 2 late fees and was set up as paperless billing. I immediately requested to be changed back to paper bill through my account online and waited to Call during business hours today XX/XX/XXXX to request the late fees and negative credit hit to be removed. The rep stated she can not help me with the credit request and can only waive one of the late fees. She did remove the one of the {$40.00} late fees and I paid the balance left. I went back into my emails and not once was I notified of a delinquent balance being owed either in email or by mail. I received no phone calls from this company either. They show my last payment was in XX/XX/XXXX when I paid off the balance. At some point between then and XXXX I was changed to paperless without my knowledge. This practice by companies to change to paperless billing without authorization needs to stop. It is messing with peoples ' finances and credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about an I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX XXXX {$11000.00} XXXX XXXX {$50.00} XXXX XXXX XXXX {$81.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$6500.00} DPT TREASURY XXXX {$230.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$9000.00} XXXX   XXXX {$100000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy that was inaccurately reporting on my credit report with XXXX XXXX. I received the attached letter from XXXX XXXX stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with XXXX XXXX and all three credit bureaus : XXXX, Equifax, XXXX. 

I have reaching out to all agencies repeatedly after XXXX XXXX has notified me that it has been removed. It is now 30 days from the date of the letter from XXXX XXXX and the bankruptcy still has not been removed from my credit report. 

I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, XXXX XXXX, XXXX, Equifax, XXXX delete this bankruptcy immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for my XXXX XXXX Account several times to the bureaus. After never receiving a response, I wrote the company myself. The company responded to my dispute, and in the letter stated they would have the consumer reporting agencies update the account to " In Dispute ''. I just checked my credit report and neither XXXX or Experian updated this to " in dispute ''. I am including the letter that XXXX XXXX sent to to me with their exact words.
Product: Vehicle loan or lease

I am writing to dispute a late payment entry on my account, which has been inaccurately reported to the credit reporting agencies. This information has appeared on my credit report, potentially affecting my credit score and financial standing. 

The account number is XXXX According to the credit report, a late payment was reported on XX/XX/2023 and XX/XX/2023. Please remove as there was a XXXX  during this time
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 Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable response, and failing to adequately to notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provide, 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: Student loan

I contacted the servicer of my loan requesting to speak to a supervisor. I was promised a return call and I never got a call back. This is not the first time this has happened. Whenever I ask to speak to a supervisor regarding any type of inquiry I'm told they are in a meeting and I will get a call back but this never happens.
Product: Mortgage

Hello, we paid off our home with U.S. Bank, NA on XXXX/XXXX/2016. To date we have yet to receive a lien release on our property. I have had to contacted the bank at least 4-5 times regarding this matter, 3 weeks ago, I was informed the lien release was sent to XXXX County Recorders Office on XXXX/XXXX/2016 and bank has since received the recorded release back from XXXX County. After checking my property records at the XXXX County Recorders Office today, there is no lien release filed on our property. During the call 3 weeks ago, I was also informed they had mailed the recorded release to our home, their office is located in XXXX XXXX, TX and we live XXXX miles north of XXXX XXXX and should have received the item they supposedly mailed within 4-5 business days. My guess is that our lien release has not been processed and we have not been told the truth. U.S. Bank, NA did not have a problem of taking our $ XXXX, our hard earned money to pay off our loan, it was paid off with our savings, not with the loan being refinance. The loan was paid off 5 MONTHS AGO and I feel is it ridiculous that we have to make call after call, ask to speak to Supervisors just to get the paperwork off someone 's desk and to get the ball rolling to complete the lien release process. Unfortunately, at this point, my guess is that we have been mislead and our lien release has not been processed, even though we paid a fee to complete this process as part of the loan pay off amount!
Product: Debt collection

I have sent letters to Portfolio Recovery seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response XXXX XX/XX/XXXX that you need my updated email address which is XXXX. I sent a complaint on XX/XX/XXXX to remove Accounts : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00} that is UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints. I am including it again.
Product: Credit card or prepaid card

I am a victim of identity theft. I been receiving death threats threats of legal action of being sent to jail and prison, harassing, profane and abusive telephone calls from Discover Financial Services in regards to a debt of {$3400.00} and a Discover credit card account thats a fraudulent account and not my account or debt. I did apply for a Discover credit card account.
Product: Debt collection

I first opened TV service with XXXX XXXX in 2015, i had the service since i moved 3 times with the service. The first move i made the customer service person canceled my service resulting in a cancelation fee and just issued me a new account not telling me what she had done. It wasnt until i saw this {$800.00} bill from them show up on my credit. I called them and the credit department is reducing to fix it i disputed it they refuse to remove it. This is holding me back from buying a house. Im not paying it as i dont owe it. My service was never disconnected. I believe the sales person just wanted to have a new connect so the did this and now Im stuck with a fee. Also when i ask for documentation they state that cant provide it. So how is this valid then.
Product: Credit reporting or other personal consumer reports

Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have two inquiries that showing up on my credit report that shouldnt be on there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I have no dealing or products from neither institution and I ask that both these inquiries be removed immediately My information may have been impacted by the XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Thank you Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

LTD Financial keeps calling repeatedly asking for me and they say that they have been hired by someone about a financial matter. They will not tell me anything.

They ask for my personal information and say they need verification. I checked my credit score and it is good with no bad reports. I see this company had been sued in 2007 for doing the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX XXXX XXXX XXXX XXXX accounts are reporting inaccuracies. They have been disputed multiple times where I have requested documentation to verify accuracy. The creditor has not provided the requested documentation and TransUnion only responds with account has been verified which was not the request for the disputes. These 2 accounts have already been removed from XXXX and XXXX for reporting inaccurate information under code 15 US code 1679c but TransUnion has not followed suit. Both accounts are being reported as opened on the same day of XX/XX/2018 and closed only 4 months later on XX/XX/2018. I have not lived in Illinois or been in school in over 8 years. Please have these inaccurate accounts that are being reported deleted from my report immediately
Product: Credit reporting or other personal consumer reports

I have a inquiry on my credit reports that I know nothing about, its on my Transunion, XXXX and XXXX. Its from XXXX XXXX, dated XX/XX/2023. I never applied for anything from XXXX XXXX or had and type of business or contact with this company, but it keeps appearing on my credit reports. Due to this fact, I have frozen all of my reports hopefully this will take care of this problem. What I would like in the meantime is the removal of these unauthorized inquiries that I neither applied for, nor sign for, being that may have an effect on my credit in the future.
Product: Credit card or prepaid card

ABOUT A YEAR AGO I ASKED CITICARD TO CLOSE MY ACCOUNT BECAUSE OF CHARGES THAT WERE NOT MINE AND TO NOT ISSUE ME ANOTHER CARD. THEY ISSUED A CARD ANYWAY.I CALLED THEM TO CANCEL THE CARD AND THAT I WAS NOT GOING TO ACTIVATE IT AND WAS DESTROYING THE CARD. THEY SAID THEY WOULD. TOWARD THE END OF 2016 I GOT A E-MAIL THAT I NEEDED TO PAY A BALANCE ON THE CARD.I CALLED THEM AGAIN AND THEY SAID THEY WOULD CLOSE THE ACCOUNT AND WRITE OFF THE BALANCE.THEY DID NOT.I CALLED THEM AND ADDITIONAL TWO TIMES AND THEY SAID THE SAME THING THAT THEY WOULD CLOSE THE ACCOUNT AND WRITE OFF THE BALANCE. SO FAR NOTHING HAS BEEN DONE AND I AM GETTING DAILY COLLECTION CALLS AND E-MAILS.