23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Submitted a request to stop communicating and to stop calling me they havent stopped and they also call after hours. They keep calling me at XXXX or XXXX pm at night. They are called XXXX XXXX XXXX. 
They have called XXXX times this week on Monday the XXXX of XXXX at XXXX Tuesday the XXXX of XXXX at XXXX pm Wednesday the XXXX if XXXX at XXXX Pm I will take legal action if it doesnt stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to buy a car and while shopping I had mentioned to the XXXX that I had a credit report and did not want them they run my credit. 

On all three credit report XXXX XXXX TransUnion shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance Corporation still reports delays in payments on cars that I have paid in full, this is due to the fact that during the COVID 19 pandemic, I had a delay with the payment of the bills of my 2 vehicles, however this delay was generated by adjusting to the refinancing policies and payment options that they offered due to the world problem, I adapted to their consideration measures for those of us who were without commercial and productive activity, by phone call we agreed that the payment of the delayed bills would be made at the end of the credit commitment, and indeed we agreed on that, now time later it continues to stain my reports and I appear in 3 credit bureaus with delayed payments, affecting my growth, my reputation, my capacity and credit reports, I have spoken with them on several occasions, telling them that these delays occurred in accordance with the payment policies previously agreed with them, but no, they still have not removed me from the re postage nor do they seem to comply with what was negotiated at the time. Even though the 2 vehicles I bought from them are paid, I have already paid off the total debt, but the stain that occurred during the pandemic and that I had agreed with them as a financial institution continues to appear.
Product: Debt collection

Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : Ability Recovery Service Opened XX/XX/XXXX + Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act,  Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I have made numerous attempts to report discrepancies and my financial institution and XXXX failed to investigate my claims adequately. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. This raises consumer safety concerns.
Product: Mortgage

I recently passed the 20 % threshold on my mortgage repayment. Between repaying 20 % of the original value and the fact that my home has increased in value due to the current market conditions, I sent in a written request to remove the Private Mortgage Insurance from my mortgage to my lender. I have never missed a payment on mortgage. 

I mailed my written request to remove the PMI on XX/XX/2022. 

In speaking with my lender, Truist Bank, I found out that they had received my written request on XX/XX/2022. I had called them multiple times, with the most recent time being XX/XX/2022. During the most recent call the support staff confirmed the original receipt date, and that they had processed it and formulated a response on XX/XX/XXXX, but could not confirm if the response had yet been mailed. The support staff indicated that if the response had not yet been mailed, that it would be sent via overnight mail to me. 

It is now XX/XX/2022 and the response still has not arrived, well past the 30 business day response window that they had indicated it should take ( and may be mandated elsewhere ). Meanwhile I am still continuing to pay for unnecessary PMI on a mortgage that is several years ahead of its original repayment schedule. 

To add insult to injury, looking at my next mortgage payment, the PMI 's premium has been doubled from it's original value.
Product: Consumer Loan

I leased a car from ALLY Bank and was charged a Sales/Use tax of {$28.00} per month for 39 months. My husband leased an auto from XXXX XXXX XXXX for the same period and he is not charged a sales tax. We XXXX live in the same residence in XXXX, Pennsylvania. Is this legal?
Product: Debt collection

I keep getting collections from an XXXX XXXX  visit at XXXX XXXX. I am a military spouse and have insurance but they did not bill properly or send mail to my address. They sent to my mom and she said she only received a final notice. Ive been in contact with them and my insurance company. Yet I am still getting phone calls. Even the day I had my XXXX XXXX XXXX removed and XXXX XXXX  and couldnt talk due to XXXX. It is causing much unneeded stress.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX added a collections on my XXXX portfolio. I called the company who directed me to att u- verse. I called att and asked questions about the account and the instillation address was in Texas. I havent lived in Texas since XXXX. I proceeded to go through identity theft protocol. I froze my credit and reported the incident to the police. Soon after the collection dropped off. On XX/XX/XXXX I received a collections for the same issue from sequium asset solution I called to dispute the charge due to identity theft and was not given the appropriate information and was given the run around regarding removal from credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody stole my identity and Im just now realizing it. A credit card was issued from Discover with all my personal information including my social security and this individual used the credit card and it was charged off. I tried to complain to the police and nothing has come of it. Now my credit is ruined. This wasnt me that issued that card.
Product: Checking or savings account

PayPal closed XXXX of our members ATM card. I made a new complaint through their resolution center which I specifically stated that I was disputing the charge and that the card was NOT LOST AND NO ONE WAS GIVEN THE PIN. 

Now he is once again stuck with NO MONEY in the middle of NO MANS LAND. 

***Since this is a matter that involves discrimination ALL COMMUNICATIONS ARE TO BE IN WRITING TO THE ADDRESS LISTED
Product: Consumer Loan

Response disputed Experian said : Explanation of closure Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
Please see the attached document that includes our response to your complaint. 
Thank you. 
Relief The disputed accounts do not appear on your current Experian credit report The top portion is a copy and pasted portion of the response in regards to the XXXX XXXX account. This was sent to the CFPB. Please update my credit report to correctly reflect this. I have been attempting to correct theses errors since XX/XX/XXXX and why Experian does not feel as though they need to correct the errors is beyond me. Please correct the credit report and delete the XXXX account. I have personally provided you with documentation from Ally stating this account does not belong to me. I have also provided you with a certified letter I sent to Ally requested documentation. They have no documentation that belongs to me. Therefore, they could not provide anything. XXXX XXXX has admitted to the fact that they did not call and confirm XX/XX/XXXX as I did have a fraud alert and freeze on my credit report since XX/XX/XXXX. I do have a credit report that reflects the same. Why Experian changed the date to XX/XX/XXXX is beyond me. This is negligence on the part of the creditor and the credit bureau according to the FCRA. If you would, please correct my Experian credit report. I never asked for a re investigation. The account has been deleted, it can not reappear, I received a credit report from Experian where it clearly stated XXXX XXXX had been deleted. This account can not be put back on my credit report once it has been deleted. That is what the FCRA states anyway. Based on the statues, and the fact that this account does not belong to me, and based on the fact that I have done everything in my power to obtain documentation and XXXX XXXX has nothing this account must be deleted
Product: Vehicle loan or lease

I reported to FTC that this account is Fradulent as well to XXXX. I have reported this since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute with Equifax and have tried repeatedly to get a copy of the results after being notified via email they were ready. The online portal never let me in, so I called them directly. After giving every possible identifying information to the customer service rep, I still was not given the info. After getting extremely frustrated, I requested that it be mailed to me. The person placed me on hold to see if that was possible. They came back eventually after an extended wait and stated : It will be a while before you receive it! This is absolutely ridiculous as I have been trying to get the results of the incorrect information that they should have been removed weeks ago off my report. This seems like a tactic to frustrate the consumer from removing erroneous info from their reports. It is shameful and appalling..
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. 


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/year> {$1400.00} 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 or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received an email from Experian on XX/XX/2020 saying that my credit score had changed. When I went to view it, it had dropped 22 points. When I called them I was put on hold 4 times with no answer over a period of 2 hours. 
When I got through on XX/XX/2020, I was told that all Experian could do is tell me my score and review it compared to the other bureaus. They did that and only found {$1.00} difference in balance at the end of the month. The other bureaus show no change in score thus far. 
Today XXXX, I went to look at my Experian score through my XXXX card to see that that site did not reflect a 22 pt decrease. 
Experian could not tell me why this drop happened and the manager,  XXXX, told me it was a federal law that prevented her from giving me more information, but could not tell me what law. She was discourteous with me and told me I had to hire a private consultant to explain my report. 
I would like more information about this law and this information. 

A 22pt drop is too big to just be notified via email with no information and then be told I had to hire someone to learn more. Fortunately, my score is very high and 22 pts does not affect me a lot, but this is very poor practice, not consumer protection. It leaves me worried that something is happening with my finances, at a time when I already have too many worries. I am very old school and stay very current with all of my accounts and always check discrepancies. I need more information. 

Please inform, ASAP Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report had an account listed that are not mine..I disputed the accounts with the credit bureau as `` not mine '' but it recently came back as verified..I have never had an account with these companies..Please delete immediately before further harm is done..XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX is reporting an Inquiry on my XXXX  credit report that I don't recognize on XX/XX/2022. 

XXXX is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. 

XXXX  XXXX XXXX is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.
Product: Checking or savings account

complaint against : Bank of America / prepaid ( employment development dept, they handle everyones unemployment funds through direct depositing unemployment benefits ) so maybe could be against employment development department. 

unauthorized charged made with my debit card for approx {$98.00} on XX/XX/2020 so i put a hold on the card thru online acct so no further unauthorized charges could be made. contacted the bank of america to dispute the charge on my account since they state 100 % protection against unauthorized charges on their agreement. so the cust svs rep tells me to hold on while he transfer me to the dept in charge of that since there is a hold on my account. well needless to say way over 10 attempts after that first one ive attempted early in the morning middle of the day and before business hours closing for at least 2 hours each time with no answer just the same msg repesating every minute. 

so i called back to regular cust svs to see what options i could do to take care of my unauthorized charge says you just have to wait for as long as it takes them to answer. so i ask him is there any way i can have another card sent out to me since my card was suspended by me and that i would file as claim when i had time to wait on hold he says yeah i can do that for yoju no pfoblem and tells me he is sending it out to me express shipping 3-4 days to arrive. then i ask i can walk in to the bank and get my money out right like it should be he says oh no you cant get any money out because i already reported your card as lost or stolen and since its a prepaid account the number on the card is also your acct number so it wont show up until i activate the new card so i called back about a few days ago to cust service because its been about a week an a half and i still have not received my card and tells me yeah you have to be on hold fofr until they pick up the call basically avoiding any kind of solution but is telling me now that i cant even get my money out of the bank because of the hold the bank put on my acct until it is cleared by their risk management dept. and transfer me back to the same dept waited again for two hours before hanging up mad and cant get thru to them cust svs reps keep avoiding any helping me with thasg they just say to stasy on hold and employment development dept says i have to deal with bank of america they have no clue what verification they are talking about yet they still accepted my last 2 deposits. i dont know what to do i have no money at all cant get anybody to help on this issue but i know they are doing this to everybody i know. they need to either hire more staff or change their way of dealing with this. thank you for any help and for your time. im sure you morev important things to deal with but you are my last resource.
Product: Mortgage

I own a home and the adjacent lot ( which has a mobile home. ) I obtained a reverse mortgage on my home some years ago. I put the lot up for sale and the legal description for the reverse mortgage is for both parcels. 

Initially the mortgage company required I divide my parcel into two, separating the mobile home parcel and the parcel with my home, in order to qualify for the mortgage. 

The legal description was not updated before closing my loan and thus the additional parcel is also burdened with the reverse mortgage. The escrow company, XXXX XXXX, prepared a correction deed which PHH has never acknowledged. 

For 7 months myself, the escrow agent, the loan officer, my agent and myself have been trying to get this corrected. I have already lost a buyer and I can't offer the property again until the title is clear. The market is going down, this has cost me money. I was selling the mobile home parcel because I needed the money, the several additional months has cost me my credit, additional late fees, utility shuts offs, etc. 

We are all beyond frustrated. What more can we do to get a response from PHH. What recourse do I have and how can I fix this?
Product: Debt collection

XXXX XXXX XXXX keeps calling my home phone XXXX even though I have had no business dealings with this company and have no debt associated with them. I would like the repeated phone calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00}
Product: Student loan

On Friday XX/XX/2018 I spoke with Collections Supervisor XXXX at Wells Fargo at XXXX in reference to inaccurate late student loan payments XXXX60, XX/XX/XXXX-30, XX/XX/XXXX-30, XXXX30 that was reported to XXXX, XXXX and XXXX for a loan that I am a cosigner on. This loan was in forbearance for a long time then for some reason unknown to my self it came out of forbearance according to XXXX. I was never properly notified so obviously I was unaware of this change. In my conversation with XXXX he acknowledge that he had the wrong city for my address and this may be why I never received any notices. Also, XXXX stated I was never called from his records to notify me of this change. Without proper notification I believe this is a violation of Fair Credit Reporting Act. This has caused duress and a financial burden because it has hinder my ability to purchase investment property. After speaking with XXXX the account balance in question was paid on Monday XX/XX/2018. All late payments should be removed because Wells Fargo failure to properly notify me. I pray that Wells Fargo will do the right thing and correct this severe error.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a formal dispute I submitted to XXXX, EXPERIAN AND XXXX regarding inaccurate information reported on my credit file. The initial dispute was submitted on XX/XX/year>, and I have not received a response or resolution within the required timeframe as outlined under the Fair Credit Reporting Act ( FCRA ). 

The disputed account details are as follows : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX.