23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I purchased my home, which was ultimately serviced by Carrington Mortgage Company. No major issues until XXXX. In XXXX, my family had challenges during the XXXX shutdown, where I applied for the CARES ACT to get a short forbearance on my mortgage payments. This was approved and the forbearance lasted a period of 3 months ( XXXX, XXXX, XXXX ) for a total amount of {$7300.00}. I selected the repayment option of a XXXX mortgage to be paid once the first mortgage is paid in full or at the time of the sale of the home. 
In XXXX of XXXX, I made the decision to sell my home. The home sold XX/XX/XXXX attorney closing in the state of SC. The attorneys worked with Carrington to get the full payoff amount. The titled cleared, mortgage paid, home sold. I went under contract to purchase a new home XXXX XXXX. 
The XXXX XXXX, XXXX I received a demand letter from the XXXX XXXX XXXX HUD for a delinquency amount of debt. The letter stated this was for {$7300.00} due for collection plus an additional penalty for administrative fees because the debt was delinquent. This was the amount from the XXXX mortgage that shouldve been paid at the time the home was sold in XXXX. I was never informed by XXXX it was unpaid. It was handed to HUD as a delinquency and I had no knowledge. 
The XXXX XXXX of HUD reported this debt as I was in final underwriting for my new home. It was reported to all credit agencies and appeared as a trade-line the day before my closing. Given it was reported as a delinquent account and coming from the XXXX government attached to a mortgage ( the house sold in XXXX ), the lender pulled out and I lost funding for my home. 
XXXX worked with a mortgage broker to scramble to find a new lender. It took a month to secure funding and close on the new home. It cost me an additional $ XXXX in lender fees, instead of a 5.5 % interest rate I am paying 9.58 % interest ( thats over {$2000.00} more a month for my mortgage )! In addition to mortgage cost, I had to pay more than XXXX in fees to the builder for going beyond the closing date, fees for storage, fees to the apartment to extend our stay ( or else be homeless ), lost money for moving company depositsthe list goes on. 
All of this was due to Carrington failing to fully disclose the full payoff amount for the sale of my home. This also couldve been avoided if Carrington had informed me of the miscalculation. {$7300.00} and Carrington caused me financial loss, mental anguish, and nearly cost me everything! Please help stop this from happening to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to remove an unauthorized enquiry on my report by XXXX XXXX on XX/XX/XXXX which i had reported to them since XXXX of XXXX. 
Other unauthorized enquiries are XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

I signed a contract for alarm service through XXXX, via their contracting company XXXX XXXX XXXX XXXX XXXX, in the contract, it simply stated a credit bureau would be ran. For clarification I asked the representative XXXX XXXX if it was a soft or hard inquiry & he assured me it was soft. The company then messed up on all kinds of things including the running of my credit. They ran my credit on XXXX/XXXX/16 & XXXX/XXXX/16 ( 2 days after the first time ). I contacted my rep XXXX XXXX again & told him they ran it twice and it was a hard inquiry not a soft as her assured me. He apologized and said he woudl try to get it straightened out. This was all via text on XXXX/XXXX/2016. Nothing was done. I spoke to XXXX at XXXX approximately 3 weeks ago, and was told she requested a deletion of the inquiry from XXXX but they will only remove XXXX inquiry not XXXX. I pulled my credit again today & XXXX inquiries are on there. 
I believe that it is only fair that XXXX inquiries should be removed, as I was given false information by XXXX 's authorized provider XXXX. I never would have agreed to the contract if I was told it would be a hard inquiry. The company should be accountable for the information their employees provided me and the inquiries should be removed from my credit. The XXXX inquiries dropped my score XXXX points on Equifax. The damage to my score is not my fault and they should be removed as I was deceived by the company 's representative. I have all the texts should the company like to see them.
Product: Debt collection

I opened a comcast account the bill was paid XX/XX/2017 and then it was closed by XXXX saying it was not up to date but later they found that it was incorrect. I did not reopen the account and brought back equipment to XXXX XXXX, the associate assured me everything was taken care of and it was closed. 

This collection started popping up, out of blue and saying I owe a debt which is not true. This is a false collection because they have no payment history, no explanation of debt, and they keep changing their name every time I dispute it. 

Now its AFNI, debt change to {$280.00}, before which was two weeks ago, It was XXXX XXXX with debt of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing inaccurate reporting on my credit report. XXXX XXXX keeps saying I owe a debt, but I've never done business with them or XXXX  XXXX XXXX.The account number is XXXX. I've sent certified letters requesting this company to adhere to The Fair Credit Reporting Act Sections 609 and 611, which state they have to validate that this debt actually belongs to me by providing the original contract bearing my signature and my social security number etc and how the debt was verified. They've yet to do so because they don't have this information. 
I DO NOT WISH FOR ANYTHING TO BE VERIFIED VIA E-OSCAR! 

They tried sending an invoice that doesn't include any information that is necessary to validate this debt by law. At this point, it's harassment, and I'd like this inaccuracy removed off my credit report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened a Citibank savings account. They immediately flagged it as fraud and closed my account without telling me. I contacted them numerous times in mid XXXX. I received no help and was assured that the problem would be resolved in 60 days. It has been over 60 days, I do not have the $ XXXX I put into the account. Not having access to the money is crippling me. On XX/XX/XXXX, they told me they received my report to the comptroller of the currency, and they would no longer discuss anything related to my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report through XXXX XXXX XXXX   XXXX  to the 3 Credit Bureaus and after responding all the correct answers, it was denied. Each year its the same issue.
Product: Credit reporting

While checking my credit score Experian is showing a lein on my home by XXXX. 
This information is not correct and should never have been on any credit reports. I have documents from my Attorneys office that shows the information is false.
Product: Credit card

On XX/XX/year> I made a purchase online of the amount of {$400.00} with a merchant who had a restrictive return policy. I unfortunately did not know about this policy because it was not clearly listed on the merchant website. This purchase was for vehicle parts and the vehicle was unfortunately involved in an accident and declared a total loss, so these parts are of no use to me. 

I attempted to contact the merchant and cancel the order before it shipped, but it was too late. I even offered to cover a restock fee and whatnot. The merchant did not offer to help me in this situation. I had XXXX return the package to the sender without having opened it at all. 

Despite this, the merchant is still not willing to help me, and as of now, XX/XX/year>, I am still disputing this transaction with Goldman Sachs. This is despite their own literature stating evidence includes : " A letter explaining your dispute along with any documents that help confirm that the merchant improperly described their refund or return policy. Examples include a picture of check-out area without posted signs or a screenshot of the checkout page that does not display the refund or return policy '' The merchant does not have the return/refund policy for this product listed on either the product page, or the checkout page on their website, which clearly falls in line with this verbiage. 

I never opened the original item, it has been returned to the merchant by way of the return address in the original shipping container. The merchant has both the unopened product and {$400.00} of my hard earned dollars after 6 months which is beyond unfair.
Product: Credit reporting or other personal consumer reports

This company has VERY limited information for individual credit history, uses that limited information to create an erroneous credit score, and then does not have a secure online portal through which to correct information. Instead, they require that I provide PII documents and information TO THEM before I can even dispute anything via a document upload. I do not want to have to share my SSN card via a document upload to some shady, never-heard-of organization that is effectively holding me hostage with an erroneous report. This company needs to be investigated for the detrimental impact they have on consumers for their poor data collection and verification processes.
Product: Credit card or prepaid card

I received an email this morning ( XX/XX/2020 ) stating that my credit limit has decreased from {$7500.00} down to {$5000.00}. This puts the credit available at {$530.00}. I spoke with three different people at Capital One and explained how this damages my credit score and will make it impossible for me to refinance my house. I have made all payments on time for years. They said they were doing this to many people and the decision was final. They did not offer to review it or allow me to submit any type of rebuttal. This will cost me thousands of dollars over the next several years. This is also going on during the most difficult times with a pandemic going on. It is morally reprehensible and should not be allowed to happen. To not allow any sort of remedy is appalling and unacceptable. I know there are countless others who feel the same. Thank you.
Product: Money transfer, virtual currency, or money service

I went to my bank, Citizens Bank of Friday XX/XX/2018 at XXXX to send an international wire. The employee filled out the wire form and I specifically stated I wanted to wire {$4800.00} US. She completed the form and I left with a signed photocopy. The next morn ing, Saturday, I woke up and checked my accept and realized that over {$5100.00} was a withdrawn from my account and not the {$4800.00}. I immediately went to the bank and they said there was nothing that could be done until Monday. I went to the brach on Monday as soon as it opened and the person said there was nothing she could do so I said recall the wire. I called the recipient of the wire and he said he had not received anything. So I told the employee to immediately recall the wire ad refund me all the money that was removed from my account. The employee said she would and to come back in a few days. I checked my account the next day and still no refund. Went back to the bank and the employee saids she was working on it. I checked my account every day and kept going back to the branch for a period of two weeks. Finally, I noticed the branch had a new manager and I asked him to investigate. He produced to me his copy of the wire paperwork which has cross outs and changes and bore no resemblance to my copy. I also told the manager that the employee had been watching my account, refused me the wire fee and had refunded three overdraft fees I was charged because she sent too much money and made my account overdrawn. The manager said there was nothing he could do and my money was gone. I then called the main number for Citizens and spoke to someone in the wire department and sent them copies of my original paperwork and the bank 's altered forms. She called me back and said they contacted the employee and first branch manager and they said I orally told them to change the amount. This is a lie. I said to the person working in the wire department, if I told them to change the amount, how come there s no paperwork with my signature authorizing the change and why would these two people be refunding me fees since the overdraft would have been my fault and not theirs? It has now been over three weeks and I just called Citizens again. told them the recipient of the wire finally rec lived the money and is willing to return it but does not want to incur any fees. I told Citizens to get the money and pay me back my money as I do not want any fees either. Citizens told me they can not help. I am VERY UPSET. Can you help me please.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Debt Collection Activity Request for Validation Dear XXXX XXXX XXXX, I am writing to formally dispute the recent collection activity on my account, referenced by XXXX. I have significant concerns regarding the validity and legality of this collection effort and am requesting your immediate attention to address this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to proper validation of the debt, which includes : The original creditors name, The amount owed, and Detailed information about the transactions related to this debt. 

To date, I have not been provided with this essential information, nor have I received prior communication regarding this alleged debt. The FDCPA mandates that debtors must be informed about their debt and provided the opportunity to dispute it before any collection efforts begin. Your failure to communicate these details prior to initiating collection raises serious concerns about compliance with federal law.

I hereby request that you : 1. Cease all collection activities immediately.

2. Provide the full validation of the debt as outlined above.

If these actions are not taken within 15 days from the date of this letter, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and explore all legal remedies available to me. 

I look forward to your prompt response and resolution of this matter. Please ensure all correspondence is sent to the address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain account that I had previously disputed. However, I have still the account on my report that is fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few item on my report. According to FCRA section 605b, credit bureaus are required to remove or block any account that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act AXXXX Account number : XXXX, XXXX XXXX XXXX Account number : 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.
Product: Debt collection

On XX/XX/XXXX, PORTFOLIO RECOVERY ASSOCIATES repossessed XXXX XXXX XXXX auto from XXXX State that has been paid off XXXX XXXX XXXX prior to shipping to the State of XXXX  in XXXX in a private parking space in a confidential address. XXXX XXXX reports lawsuit with XXXX  State Multistate Lawsuit with XXXX XXXX. XXXX XXXX notes sold the Auto loan in XX/XX/XXXX to PORTFOLIO RECOVERY ASSOCIATES. XXXX State ETitle DMV held a lien due to contested unpaid child support to a XXXX XXXX XXXX  ( Paid off the title ). 

I responded by email to PORTFOLIO RECOVERY ASSOCIATES employee that the XXXX XXXX XXXX is paid off and must be released. I sent a copy of Paid debt from the XXXX Multistate Auto Settlement with XXXX XXXX XXXX On XX/XX/XXXX, PORTFOLIO RECOVERY ASSOCIATES.served certified mail forwarded from the previous address XXXX XXXXXXXX XXXX  to address new address to serve a lawsuit. 

I was served again by forwarded certified mail that my paid-off XXXX XXXX XXXX repossessed by PORTFOLIO RECOVERY ASSOCIATES was auctioned off and that there was {$38000.00} debt from the original auto debt paid off {$18000.00}, which is triple the debt for an auto loan that is paid off. 

XXXX reports debt as paid off Charged off settled.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a text claiming it was from Comenity about a possible fraudulent charge to my credit card account ( I have a XXXX with them ) in the amount of {$97.00}, for XXXX XXXX XXXX. I didn't call the number in the text message because I wasn't sure it was from them ; I called the number on the back of my credit card. I also checked my account online, and didn't see that charge pending. I spoke to a rep, who told me that he could see the amount pending on his end and that he'd reverse the charges and send me a new card so that the current one couldn't be used again. 

On XX/XX/XXXX, I checked my Comenity account online and saw a charge for {$96.00}, with the description XXXX XXXX XXXX XXXX NY. I called again and explained to another rep that I hadn't made that charge ( I haven't charged anything to this card since XX/XX/XXXX, as I'm trying to pay it off ). The rep told me my card had been blocked since XXXX so no more charges could be made ( I assume the {$96.00} was charged around the same time as the other one ). She said she'd lift the {$96.00} charge while the claim was investigated and that it would take up to 90 days to finish the investigation process. 

After that, I went to check my account online, to see if they'd reversed the charges, and due to a technical glitch, I can't log on to check anything. This comes after numerous calls that went to a recorded message that their office was " temporarily closed '' and dealing with their website being down. At this point, since I can't check anything online and I just called, only to be told their office is " temporarily closed '' yet again, I don't know what's going on with my account. 

Prior to their so-called update to their site, I had no issues with fraudulent charges, and suddenly I do, so it seems their " update '' probably coincided with a hack, leaving customers ' data vulnerable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Credit Dispute Regarding Improper Investigation and Request for Removal of Inaccurate Derogatory Trade Lines Dear Experian Dispute Team, I am writing to formally dispute multiple inaccuracies on my credit report and to express serious concerns regarding Experian 's failure to conduct proper investigations of my past disputes. I am aware of the recent CFPB complaint against Experian ( filed in XX/XX/year> ), which highlights systemic deficiencies in the handling of consumer credit disputes, including : Failure to conduct adequate investigations when consumers report inaccuracies. 
Re-insertion of previously removed inaccurate information without providing proper notifications. 
Automated processes that result in cursory reviews rather than thorough investigations of dispute claims. 
Based on these allegations and my personal experience, I am requesting immediate corrective action for the following : Inadequate Dispute Investigations : Despite previous dispute submissions, Experian has failed to properly investigate or provide clear resolutions regarding inaccurate information on my credit report. This has significantly affected my financial standing and access to credit. 

Derogatory Trade Lines : I am not a primary account holder on certain derogatory trade lines, and they should therefore be removed from my credit report immediately. These include : XXXX  XXXX XXXX XXXX XXXX XXXX with FCRA Requirements : Pursuant to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct thorough investigations and ensure accurate credit reporting. I expect a comprehensive review and removal of any inaccurate or unverifiable information on my report. 

Notification of Re-Insertions : If any previously removed derogatory information has been re-inserted, I demand immediate notification as required under the FCRA, along with documentation supporting its accuracy. 

Given the CFPB 's findings and my ongoing concerns, I am requesting that Experian : Remove all inaccurate derogatory trade lines where I am not the primary account holder. 
Provide a full and documented review of previous disputes, along with outcomes and supporting evidence. 
Ensure compliance with proper investigative procedures as outlined by federal regulations. 
Please respond to this dispute within the legally required timeframe and provide confirmation once the corrections have been made. Failure to properly address this matter will leave me with no option but to escalate the issue further. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX