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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well, I sent a letter disputing the accuracy of the bankruptcy record from the third party company XXXX because they are reporting this information. Also, I sent a copy of a letter from The U.S. Bankruptcy Court stating they do not give out that information.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint about Optum Bank, https : //mycdh.optum.com/ I have participated in my employer 's flexible spendingaccount ( FSA ), both on medical and dependent care. The accounts will automatically withdraw funds from my salary and put it into FSA, managed byOptum Bank for the purpose of pre-tax savings. Due to the CARES Act, employees are allowed to have a new election to put more fund into account mid-year, therefore I selected additional {$480.00} this past XXXX into my XXXX medical FSA, in effect beginning XX/XX/XXXX, as you can see in the attached pictures. On XX/XX/XXXX, I submitted a medical claim incurred as copayment {$250.00} ( I had a biopsy in XXXX and another excision biopsy in XXXX, resulted in twice {$250.00} XXXX, here I only submitted the first one ), then it was partially denied and the reason was insufficient fund, which was incorrect as I already had new fund elected and the total of my balance at the time was {$490.00} in that account ; I called the Optum customer services after several failed attempts re-submitting the remaining " denied '' amount {$230.00}. I received their phone call back in late XXXX telling me it was approved and I should receive my claim within 3-7 days, but I didnt receive the claim check, so I called their customer services again, then received a call saying it was approved, but still did not receive the check after a week. It's already been several cycles of me calling them and they responded in either calling back or sending me secure messages. During these past 3 months, much of my time and energy has been spent on this single claim/matter. On XX/XX/XXXX, the representative told me via secure message that I needed to provide the receipt for that claim, even though I already submitted the receipt over 2 months ago XXXX ( and many times XXXX and was approved, before my claim could be " approved again ''. On XX/XX/XXXX, I received a secure message from customer service asking me to call them, with my name spelt incorrectly.To date, I still have not received my claim and have not been able to subsequentlysubmit my second {$250.00} copay incurred in XXXX. I still have {$490.00} remaining balance that is withheld ( illegally ) byOptum Bank.
Product: Mortgage

I was billed for insurance policies in XXXX & XXXX for {$2100.00} and {$2400.00} when I had active policies during both years. The policy for XXXX was purchased prior to closing. Policy for XXXX was uploaded and updated however a policy for {$2400.00} was still purchased. In total they have overcharged me {$4500.00} for duplicate insurance policies they purchased despite my attempts to update my policy in their system. I have tried reaching out to them via phone and email and have gotten no response to either attempt.
Product: Mortgage

I am writing this email to submit a formal complaint about my experience DHI Mortgage employee, XXXX XXXX XXXX, XXXX ID # XXXX. I have been working with him since XXXX of XXXX once I submitted my offer for my new construction home. 

I uploaded all of my final required documents in XX/XX/XXXX. XXXX contacted me on XX/XX/XXXX to inquire if I wanted to now lock in my rate at 4.875 %. When asked why has he contacted me now on XX/XX/XXXX to lock in my rates while they are now extremely high and not back in XXXX when I submitted all of my documents, his response was " well I can't control the rate increases and I can not control the completion date of the home ''. I informed him that I am well aware that he can not control those items, my concern is why is he now contacting me to lock in my rate after they have increased significantly but not back in XXXX after he received every document that was requested from me. He then responded " It was too early to lock in the rate back in XXXX and I told you in XXXX that the rates were not locked ''. I responded once again, that I understand XXXX was too early and I am aware that the rate was not locked back in XXXX but I wanted to know why this option was not presented to be back in XXXX after all of my documents were submitted. He could not provide me with a logical answer instead he kept repeating that it was too early back in XXXX to lock in the rates. So I asked why was it too early then but not too early now knowing that my home is still not completed? He could not provide me with a response. 

I am extremely frustrated knowing that because this agent dropped the ball and failed to disclose to me back in XXXX that I had the option of locking in my rate for 60 to 90 days as he mentioned on the call on XX/XX/XXXX, that I went from 3.25 % back in XXXX to 4.875 % now. I am referencing the XXXX rate because I did not hear from him in XXXX or XXXX to know what the rates were at that time. 

I emailed a written complaint about this agent 's action to the branch manager as well as well a written complaint to the builder.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 my ex spouse was contacted by collection agency and given all my information
Product: Debt collection

Its always on a recording saying CBE group and when I try to return the call nobody picks up but they call every day every Sunday its annoying
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT XXXX XXXX {$10000.00}, XXXX XXXX ACCT # XXXX {$3800.00}, XXXX XXXXXXXX XXXX ACCT XXXX XXXX {$8900.00}, XXXX XXXX XXXX ACCT XXXX XXXX {$8300.00}, XXXX XXXX XXXX ACCT # XXXX-XXX {$9200.00}. ADDRESSES NEVER LIVED AT ADDRESSES : XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the method of verification for XXXX XXXX XXXX and was never supplied the method of verification. I have attached the original letter that was sent certified mail. The letter was delivered XX/XX/XXXX per postal tracking number. They are going against the fCRA. I want this inaccurate account deleted. The letter was delivered and they never notified me that it was under investigation. They never investigated nor provided me with the method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of my lease I made a full payment to XXXX XXXX for {$1400.00} under confirmation # XXXX for account ending in four digits XXXX. However XXXX XXXX reported my account to credit bureaus as Collection/Charge Off despite receiving the full payment. This is negatively affecting my credit score and impairing my ability to secure mortgage financing that I desperately need during Covid. Despite my repeated attempts to have them correct the situation they refuse to do so.
Product: Debt collection

Contacted WellsFargo on XX/XX/XXXX to fix problem I noticed.

They said 2-3 days to fix Received collection call next day. XX/XX/XXXX Spoke to executive office. They called would for sure stop. And problem being worked on.

XX/XX/XXXX received another collection call.

Problem still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. I requested that Experian to re-investigate this unverified XXXX XXXX account XXXX. However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. This response was 100 % false and deliberately misleading. ( see attached outcome by Experian as to This item remains unchanged from our processing of your dispute in XX/XX/2023. After receiving this message, knowing the response was untrue and Experian continued to report this inaccurate, misleading information and responding the information will be unchanged, I filed a complaint with the your agency against Experian. Two complaints combined into one, 1st complaint ID # XXXX on XX/XX/2023 and prior ID # XXXX on XX/XX/2023. A parallel investigation with the XXXX and FTC was also conducted. With the now abundant amount of additional evidence provided by me to you and Experian also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy. 15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate. The information has been reported with identity theft. gov, I already sent Experian A FTC report and ID so they could verify my identity. Along with sending out letters to the original collector, I have attached all documents supporting this false unverified XXXX XXXX XXXX account, to be deleted at once. This unverified account has been on my credit report and has been hindering me from obtaining my first mortgage. This will be my last attempt to reach out to Experian before i proceed into court matters and seek monetary relief. Lastly, Experian is indeed NOT in compliance with Metro 2 Credit Reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THESE ACCOUNT WERE NEVER LATE. FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my previous report. XXXX StatusOpen. 
Account TypeCredit card Balance {$0.00} Date OpenedXX/XX/XXXX Recent Payment- Original Creditor- Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Recent Payment- Original Creditor- Dispute XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Recent Payment- Original Creditor- Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$7.00} Date OpenedXX/XX/XXXX Recent Payment- Original Creditor- Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$0.00} Date OpenedXX/XX/XXXX Recent Payment- Original Creditor- Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX  XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

On XX/XX/22 at XXXX I used the Apple Card chat feature to let them know I needed a partial dispute. I was told they were working on it for about 2 hours but I saw a provisional credit for XXXX cents, not XXXX dollars. When I questioned it I was told it would be rectified. Over an hour later I asked for a supervisor that said it was input incorrectly and it would take up to 10 business days to correct. I asked to get a call. I was provided the phone number for the incorrect department. To file a simple dispute, I am STILL sitting here 4 hours later on hold for someone to rectify this situation and properly credit the account and file the appropriate dispute, or confirm it has been done thus far.
Product: Mortgage

I've been attempting to have my sister assume my loan, I contacted the Mortgage company Caliber Home loans. About a month ago I was told that my they would contact the assumptions team and would send out a packet to fill out. I was informed it may take 30 days, the 30 days have come and gone and I have yet to receive the packet, I would understand the actual process of underwriting to take this long, but to even receive the application to take 30 days sounds ridiculous. After waiting the 30 days I have called the mortgage company and each time I inquire about this process I'm told I have to speak with the assumptions group and each time they transfer me I'm on hold for more than 2 hours at a time at which point I get disconnected anyway. I'm not sure what's going on with that company, but they have failed to help me as requested. Having worked at a bank previously I know there may be delays, but I also know when the proverbial ball has been dropped and I feel like it has been dropped this time. 

First time I contacted Caliber Home Loans was on XX/XX/XXXX. 
I have subsequently spoken with 5 representatives from that company each with varying results of failure.
Product: Checking or savings account

I am a previous Wells Fargo customer and as a result of them signing me up for credit monitoring services and other services I became a victim of several phishing incidents and credit inquire problems. I was just notified by a friend about the Wells Fargo settlement that many of their previous and current customers were receiving for incidents identical to mine. I reached out to Wells Fargo about this multiple times and needless to say I got nowhere. Its extremely frustrating because in no way was I irritate with them or nasty by any means but to be disregarded and tossed to the side is disrespectful and disheartening.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate late payment reporting on my credit report. After thoroughly reviewing my records, I have confirmed that these accounts were paid on time. The erroneous reporting has negatively impacted my XXXX score, and I demand an immediate correction. 

Under 15 U.S.C. 1666b, I am entitled to a fair and accurate investigation of this matter. I expect a prompt review and correction of these accounts to reflect their actual payment status.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 other adverse item of information, other than records of convictions of crimes which 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal inquiries has been reported on all three reporting agencies. I disputed this with Equifax, XXXX and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all 3 credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. With COIVD going on I understand that it may take a little longer to process my request but over 60 days??. According to Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report, it has been over 60 days therefore they should be promptly deleted. I demand these accounts be deleted immediately or I will file for litigation due to failure to comply with the laws set in place and the time and financial restrictions these items have placed on my family and I. I am not sure but under the impression that the inaccuracies are a result of my information being involved within the equifax data breach and may have been taken by someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my EXPERIAN credit report in XXXX noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3, EXPERIAN assumed this role without permission not only that, they did not have my consent. EXPERIAN did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. EXPERIAN did not exercise their grave responsibility & were unfair. I have already taken the liberty to file this CFPB report and I will file attorney general 's complaint if these accounts aren't removed. EXPERIAN never had a permissible purpose Under 1681b ( a ) 2. I never instructed EXPERIAN to furnish this report and I never consented to this report in the first place. The 3 fraudulent accounts are A fraudulent closed account POSSIBLE FINANCE that has late payments. I have NEVER done business with this company and A card with XXXX XXXX For the amount of XXXX. In XX/XX/XXXX, a fraudulent collection account with XXXX XXXX XXXX for the original creditor XXXX XXXX XXXX XXXX was placed on my profile for the amount of XXXX. I do not have ANY UTILITY BILLS-ACCOUNTS IN MY NAME AS I DO NOT HAVE MY OWN HOUSE, I stay with my mother on XXXX XXXX. I have not done business with either company and These 3 accounts needs to be deleted off of my credit. I am attaching my etc report, the letter I sent EXPERIAN and my proof of identity.
Product: Debt collection

Just started to receive letters from Credigy, in the letter they stated that I still owe a credit card back since XX/XX/XXXX, I think it 's a credit card which I had from imagine fro which I paid off since XX/XX/XXXX. it was such a long time ago now these people say that I owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously written Experian and XXXX three letters to update my personal data. A portion of the information on my credit report was for homes I've never lived at, and I requested that they remove old, out-of-date addresses, phone numbers, and employment information in three separate letters. They never removed the locations and places of employment, so I'm going to initiate legal action against both agencies for failing to remove inaccurate information and for violating FCRA by not disclosing information that is 100 percent accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained with Consumer financial Protection Bureau, CFPB COMPLAINT # XXXX. Copy of the complaint together with my fair resolution and XXXX  's response is attached. I have also attached attachments for this referenced complaint. XXXX  claims XXXX XXXX needs my permission by stating " The company needs authorization  from you to proceed with your complaint. We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. '' WHAT DOES THIS MEAN OR IS THIS MORE XXXX XXXX GAMES? XXXX XXXX always labels ALL my complaints as a duplicate complaint without ever responding to just one complaint. Now XXXX XXXX claims they need my permission to proceed when I have been requesting an investigation for 4 years.