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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

On realizing this item on my credit report I then tried disputing the item There was no investigation conducted on my behalf to protect my rights as a consumer. 
I have never step foot on the business premises associated with this account No papper work has been checked for signatures and no video surveillance of my presence in this institution has ever been conducted
Product: Credit card

On XXXX XXXX a payment via mail with check and payment stub included of {$450.00} was processed by Home Depot Citibank Retail Card Services and the {$450.00} was cleared through the bank account. The payment was not applied to the account. On XX/XX/year>, I called the customer service number, and they initiated a payment research investigation with reference number XXXX and asked me to upload the front and back of the cleared check from the bank account. I did so and they said it would take up to 90 days to investigate. I assumed this ended the issue. Later on, I received a collection call. I advised the agent of the missing payment and asked that my number not be called for collection because I am at work for the XXXX XXXX XXXX 

On XX/XX/XXXX, I received a collection call while I was in a meeting for the XXXX XXXX. I called back and was advised that I needed to fax in the front and back of the check even though the investigation department already has the check. It took 3 more transfers to reach someone who promised they would stop the collection calls - but then they said they could not do it because only a special military department can do it.

Citibank is in violation of the Fair Debt Collection Practices Act and I am eligible for up to {$1000.00} in compensatory damages plus possibly attorney fees should I choose to retain an attorney. I require Citibank compensate me {$1000.00} for their violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my Equifax credit report that are inaccurate. One is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX '' and the other is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. '' I did not authorize these inquiries and I have no accounts or lines of credit with this entity. This is likely fraudulent, or it must be an error of some type. I disputed both of these inquires with Equifax on the afternoon of XX/XX/XXXX, and my dispute was listed as " resolved '' as of XXXX XXXX on XX/XX/XXXX. Both disputes were denied with minimal explanation from Equifax. Based on the speed of the denial and the lack of transparency, it is clear to me that this dispute was not properly investigated by Equifax. This is ridiculous and disappointing that I have two potentially fraudulent inquiries on my report and I have essentially been told " oh well, that is your problem '' by Equifax. There needs to be greater accountability on the credit bureaus to ensure that their information is accurate since it has such a huge impact on the financial health of consumers.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Take a look at the attached documents. I want the bureau to start an inquiry into these accounts, as I am never tardy, but they are mistakenly reporting me as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  AND ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 
I have disputed all off these items with each credit bureau by mail several times.
Product: Bank account or service

On XX/XX/XXXX I was charged a NSF fee for XXXX due to a check I wrote around 2 weeks before this date. 
Upon investigation and many phone calls I was told the {$37.00} could not be refunded because Huntington has credited me too many times in the last year. One of these credits is due to the last complaint with the CFPB. 
I also found out that Huntington changed my account without my permission to a " Asterix free checking '' When I had a " Huntington 5 account '' I found out I was using ATM and being charged fees also, then found out my account was no longer the Huntington 5 account. 
There was no notice of my account changed, there was no reason from huntington on why it was changed and this was done without my permission. 
I am very upset that the check that was bounced back was not covered under the huntington 24 hour grace. What is disturbing is nobody can answer why it was not covered. All I am told is " It is up to the bank ''. The check would of put my account negative {$21.00} if I would of gotten the 24 hour grace. Thus would of been paid ( I did pay the NSF charges the same day. 
The disturbing part is the Huntington Customer Service. The local bank declared " Personal checks are not covered by 24 hour grace '' Call center agents tell me that I am not eligible for 24 hour grace anymore because of my past account history. Well I was never sent a notice that 24 hour grace is not longer available for me. 
The local banking center says I am eligible for 24 hour grace still and that they are sorry my account was changed without my permission. 
This is a very frustrating bank and I was also told I can never have any money refunded until XX/XX/XXXX. Because you are only allowed {$50.00} a year and the {$300.00} from my last CFPB complaint exceeded that. I thought this would be a good jester from Huntington and did not realize if I made anymore mistakes I was going to be staked out and have all my privileges removed.
Product: Mortgage

United Wholesale Mortgage ( UWM ) refinanced my home on XX/XX/XXXX. Included within the refinance was an escrow account to cover my homeowners insurance. 

On XX/XX/XXXX I was notified by my homeowners insurance that my payment was past due and not yet received. At that point I submitted a request via UWM 's secure website asking why payment had not been made and that I was unable to determine that they had made payment via their website. 

I received a secure message back on XX/XX/XXXX from them stating that I can update my insurance information via a secure portal and they provided instructions to do so. As my insurance had not changed, and was still the same information they had on their online portal I determined this was an inappropriate response. 

Instead of moving forward with " changing '' my insurance information, I instead chose to call their XXXX main phone number for support later that day on XX/XX/XXXX. At that point, a gentleman stated that he too saw that my escrow account included homeowners insurance. He stated that the first payment they had indicated was for XX/XX/XXXX. I stated that as my home refinance closed in XX/XX/XXXX, and that UWM knew my insurance was up for renewal in XXXX, as determined by the XX/XX/XXXX due date, UWM should be aware that a payment was needed in XX/XX/XXXX. He agreed and said he would reach out to the insurance department for more information and call me back on Monday, XX/XX/XXXX. 

I did not receive a call on Monday, XX/XX/XXXX. 

I did not receive a call on Tuesday, XX/XX/XXXX. 

I called UWM back on Wednesday, XX/XX/XXXX. At that point I spoke with a XXXX who claimed that as the homeowners insurance was not funded at the time of closing this was not UWM 's fault. I stated that insurance was included within the escrow and she agreed. She then stated that UWM making this payment would impact my future escrow calculation. I stated that I understand that UWM made a mistake, but that the insurance must still be paid. I was comfortable with my escrow adjusting to make up for this error as these were still my funds to pay. As such, XXXX provided me with instructions on how to submit a bill to UWM via an email address and that a check would be overnighted to pay for my homeowners insurance that at this point was more than a week past due. I followed those instructions within the hour on Wednesday, XX/XX/XXXX and requested confirmation in the email for when the payment was sent. 

I did not hear back on Thursday, XX/XX/XXXX. 

On the evening of Friday, XX/XX/XXXX, I sent a reply to the auto-response email that I received on Wednesday XX/XX/XXXX from when I sent them the bill stating that if I did not hear back about payment being sent by noon on Monday, XX/XX/XXXX that I would be initiating this complaint with the CPFB. 

I still have not heard back and am unable to tell that my homeowners insurance has been paid. I don't understand how UWM can hold my escrow account hostage and not pay these bills.
Product: Money transfer, virtual currency, or money service

I asked XXXX on my phone to " Call Cashapp '' and they dialed a known scam number. I ended up losing access to about {$15000.00}. I immediately contacted Cashapp to gain back access, but after going through their entire verification process they still refused to give me access.
Product: Credit reporting or other personal consumer reports

XXXX with account number XXXX is still reporting on my Transunion reporting agency which is not suppose to be report due to the fact that is an unauthorized account opened in my name fraudulently, i have made several attempt to get this account permanently removed from my credit report, Transunion credit reporting constantly refuse to remove it which violate my consumer right to privacy and accurate reporting. 

XXXX with account number XXXX, Transunion reporting agency as constantly continue to violate my consumer rights, I have also made several attempt to them to removed the fraudulent account and blocked it permanently from reporting in my credit report, Transunion ignored my requesXXXX and continue to violate my rights to fair credit reporting. 

XXXX XXXX XXXX with account number XXXX this account is only reporting to my Transunion credit report which is against my consumer rights, because this account is as a result of identity theft and only Transunion refused to remove and block this account from reporting and causing damages to my credit report. 

XXXX XXXX  with this account number XXXX is also not suppose to be reporting on my transUnion reporting agent, but Transunion continue to do that and violate my right as a consumer, this account is as a result of identity theft from credit breach, I filed an FTC report to that effect, but TransUnion constantly ignore my request and violate my rights. 

XXXX XXXX  with account number XXXX this account does not belong to me and I have also filed an FTC report to that effect, but transUnion refused to remove and blocked this account from reporting by violating my consumer right to fair credit reporting. 

XXXX XXXX  with account number XXXX doesn't belong to me, my name was fraudulently added as authorized user, which I have asked transUnion to remove and blocked from reporting to my credit, and I have filed FTC report to that effect, but TransUnion refused and that is violating my consumer right to fair credit reporting. 

XXXX with account number XXXX, I do not have any delinquency or late payment on this account, but Transunion is violating my consumer right by reporting late payment on this account. 

XXXX XXXX with account number XXXX I do not have any delinquency or late payment on this account, so I am requesting Transunion to update this account to current immediately.
Product: Credit reporting

TransUnion did not address my issue and claims they ca n't find the collection that is as clear as day on my credit report. This collection has been handled directly with the creditor and was removed from XXXX, however, TransUnion is still showing it on their credit report. It needs to be removed completely not showed as a " paid '' collection. I used Divorce paperwork from court to show that this debt was not mine and XXXX XXXX XXXX cleared the debt and had it removed completely from my credit as a collection. TransUnion is still showing it as a collection for some reason.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report on XX/XX/XXXX that XXXX XXXX XXXX Has reported that they have charged off my mortgage of {$9600.00} on XX/XX/XXXX. I have not received my 1099-C tax form from this company yet. I am requesting my tax form 1099-C as soon as possible. If I don't receive it I will have to pursue this situation with an escalated matter such as suing for reporting incorrect information which is sabotaging damages to my report. Thank you for your quick response to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to XXXX XXXX Experian and XXXX  lates for the months of XXXX and XXXX, 2020. ( Please see pages attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) The vehicle was stolen and when it was recovered it required extensive work with the auto mechanic. I contacted XXXX and was granted a payment extension. ( Please see the attached letter from XXXX titled Payment Extension Notice for reference. ) This false reporting of lates on this account is seriously harming my credit score and these lates need to be removed. Also, XXXX  ; Experian XXXX XXXX are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I've already reached out to companies and credit bureaus and the correct action of deleting negative fraudulent items from My report. 
I received a copy of my credit report and found the following items to be errors, or are deficient of proof of not being untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or else wise not compliant to include to XXXX XXXX reporting standards. 
Here as follows are items in potential error requiring immediate annulment of the retainment APPLE CARD GSBANK XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inaccurate, untrue, incomplete and non-compliant information from my credit report immediately. 
This is a violation of the FCRA and is also a violation of requisite XXXX XXXX Compliance Reporting Standards
Product: Mortgage

United Wholesale Mortgage UWM ). I sold my condo on XX/XX/year>. UWM was supposed to forward the escrow balance of XXXX dollars to me at my new address. They requested that I change my address on their portal, which I did several times. The old address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the new address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They told me that they sent the check, and when I checked the portal, they had my address listed as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Which is an undeliverable address. 

The representative told me that they could no longer change the incorrect in their system and asked me to send her a letter with the new mailing address, a copy of my driver 's license, and a screenshot demonstrating that I no longer could change the address. After that call, I was not able to log in at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current Experian credit report shows three ( 3 ) Hard Inquiries that do have a large effect on my current credit rating. They are from 1. ) XXXX XXXX, 2. ) XXXX and, 3. ) XXXX XXXX. The first two mentioned ( XXXX XXXX and XXXX ) were both for credit cards which were approved and I'd appreciate their removal as I requested the removals from both creditors and they approved them but Experian continues to report them. The third ( XXXX XXXX ) was also for a credit card which was denied in most part due to the continued presence of these Hard Inquiries, which has caused me another negative reduction to my score on top of the pull. These deductions would have never occured for XXXX XXXX if the two prior pulls were taken care of in a timely manner as of todays date all three pulls remain on my Experian report and the deduction to my credit score due to XXXX XXXX denial.
Product: Credit card

I received a billing statement showing a charge of {$23.00} on XX/XX/XXXX. I then called the credit card company, explained that I would like more information on who submitted this charge. They said they would investigate it and contact me. We talked on the phone a few times, I can't make it any simpler, WHAT COMPANY SUBMITTED THOS CHARGE? 
They would not answer me, then sent me a letter dated XX/XX/XXXX saying they are investigating. Additional phone calls show they don't know what they are doing. 
I sent a letter to them on XX/XX/XXXX. They would call me, leave messages to call their main number with any questions. I can't keep playing this game. 
On XX/XX/XXXX they sent me another letter with a bunch of runaround and inaccurate information, saying I have not stated what I would like to do, and suggested that I contact the merchant. I DON'T KNOW WHO THE MERCHANT IS!!!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX has violated my rights. Or list of inquiries 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 if 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

I opened account 7 years ago paid balance for reposition even though they never sent letter of balance but reportedly wrong balance information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX all showed my name and report as having an account with XXXX XXXX XXXX. XXXX dispute was good and the bad information was removed. XXXX will not answer the phones and the on line service will not function at all. 

I have contacted XXXX XXXX and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the XXXX do I fix it?