23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a letter in the mail at my old address that stated that someone without my permission or authority applied for a Goldman Sachs Apple bank card. The letter stated that the application was reviewed and was denied because " there is an alert or freeze on your credit file ''. I had no knowledge of this application and did not authorize anyone to apply. I am a victim of identify theft and have had numerous attempts made to open accounts in my name.
Product: Credit card or prepaid card

I have a promotional balance on my Chase credit card account with 0 % interest for a promotional period. that period is about to expire. I asked how to pay the remaining promotional balance before the period expires to avoid the interest for the entire period being added onto my balance in a lump sum. I was told that because they apply all payments above the monthly minimum to the amount with the greatest APR that my promo balance can not be paid off by request and additional payment and that the only way to avoid the additional interest was to pay the total account balance. This is NOT how any of my other accounts work nor was this included in the promotional information. If I send a payment and ask to have it applied to a promotional balance, it is. That is how you are able to avoid interest for some of the balance. It is completely unfair for Chase to require the total balance to be paid to avoid interest on a promotional balance. They should allow the promotional balance to be paid when ever the customer wants to send a payment in addition to the monthly minimum.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX contacted the seller of the home I was buying and started dealing with him instead of me. He gave the seller a copy of the appraisal that I bought, he also told him that even if he signed extension agreement for repairs, he did not have to make those repairs if FHA did n't require it ( which the appraisal company he hired did not list one repair on the appraisal ). When I contacted XXXX about communicating with the seller, he got very upset and also lied. My agent and I signed another extension agreement to extend the closing date on XXXX. XXXX called the seller and told him that he could close it on XX/XX/XXXX and the automatic 7-day extension was n't necessary. That caused a lot of unnecessary back and forth between me and the seller when it came to agreeing on a date. And we did n't close on XX/XX/XXXX, we ended up closing on XX/XX/XXXX anyway. XXXX told me and my agent I was pre-approved, but towards the end of the process underwriting needed a copy of my tax return transcript. How was I pre-approved without that? My down payment ended up being more than the required 3.5 %, because he got my loan approved at 95.9 % and never told me. I found out in my closing disclosure. XXXX was supposed to be representing me but instead he decided to communicate with the seller and keep him updated on the process while I had to find out later from my agent or the loan processor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Balance : {$1100.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX Balance : {$1400.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX Balance : {$1900.00} You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
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 account 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 account 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. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$11000.00}
Product: Checking or savings account

I paid for a new water heater with a check for {$4000.00}. The guy took to his truck and electronically deposited with his phone. Then he left check in truck. He says a few weeks later someone went in his unlocked truck and took tools and papers, including my check. Someone doctored the check and cashed at a jewelry store. Check went through and another $ XXXX was taken from my account. I immediately went to Chase Bank and file a report. They Contacted XXXX XXXX who cashed the check. This was back in XXXX. Very quickly XXXX admitted in was their issue and said I would get my money back but it would take up to ninety days. I called Chase two weeks ago and they said XXXX would have my money back soon. Ninety days passed two weeks ago and haven't heard anything more from either bank.
Product: Credit reporting

There were XXXX incorrect payment histories on my Equifax report that I disputed. I received the disputed report and they all read reported correctly from the investigation ( I still dispute ). XXXX of these accounts were closed and paid in full back in XX/XX/XXXX and the other XXXX were closed and paid in full XX/XX/XXXX, thats 7 years for the first and almost 6 years for the other XXXX. I called Equifax and spoke to supervisor XXXX XXXX and he told me since I disputed these accounts ( I still dispute the accuracy ) that they will remain on my record for another 10 years ( XX/XX/XXXX ) that would be a combined total of 17 years. I told him that is against the Fair Credit Reporting Act and his response to me is that they can report as long as they want. This is not the law and is a total assault against me and my character. Please help me correct this over reaching company, as it is their responsibility to report the truth not make it up at their discretion. Thank You!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT AND I CANT BELIEVE WHATS GOING ON WITH MY CREDIT I DID NOT AUTHORIZE THESE ACCOUNT IN ANY WAY I WANT A FRAUD ALERT ON MY CREDIT FILES I REFUSE TO BE A VICTIM OF IDENITITY THEFT I WANT ALL OF THESE FRAUD ACCOUNT REMOVED AND BLOCK FROM MY CREDIT FILES THANK YOU
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, Discover Bank issued me a Form 1099-C, signifying the cancellation of debt for my credit card account. The account was opened on XX/XX/XXXX, and closed and charged off in XX/XX/XXXX. The first charge-off was reported in XX/XX/XXXX, with a balance of {$890.00}. The most recent charge-off update was reported in XX/XX/XXXX with XXXX and XXXX. I filed a dispute with XXXX on XX/XX/XXXX, and received their dispute results on XX/XX/XXXX. XXXX has deleted this account from my credit report as of XX/XX/XXXX, following my dispute. However, XXXX and XXXX continue to report the account as charged off and update this status monthly, even though the debt was canceled and reported to the IRS as such. This inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and up-to-date.

FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers of information, such as XXXX XXXX XXXX to not report inaccurate or incomplete information to credit reporting agencies. Reporting the account as " charged off '' monthly after issuing a Form 1099-C indicates inaccurate and incomplete reporting. FCRA 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies ( XXXX and XXXX ) conduct a reasonable investigation of disputed information. My disputes have not been properly investigated, as evidenced by the inconsistent resolution compared to XXXX. FCRA 605 ( 15 U.S.C. 1681c ) states that negative information such as charge-offs must not be re-aged or reported in a way that extends its impact beyond permissible limits. By updating the charge-off monthly, XXXX and XXXX appear to be unfairly prolonging the accounts negative effect on my credit score. FCRA 602 ( a ) ( 15 U.S.C. 1681 ( a ) ) emphasizes the importance of accurate reporting to ensure fair credit assessments. The failure to align reporting practices across bureaus and the contradiction with the 1099-C issued by Discover Bank undermine this principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In sum and substance, in XXXX to XXXX I attended XXXX XXXX, XXXX XXXX, then XXXX XXXX the most affordable state schools I could afford under a single parent household. In and around XXXX I paid off my federal student  loan because I had only taken a small loan. But I did not notice that After paying the loan off completely, I incurred a interest for the prior month that totaled {$4.00}. The Federal student loan system continued to to charge interest on that {$4.00} amount. In XXXX I randomly logged into the student loan portal and noticed the balance of {$27.00} which I immediately paid. As of this date, when I log into XXXX, Transunion, and XXXX they list a total of 4 to 5 Derogatory Federal Student loan accounts, each listing a repeated late payment and derogatory in bright yellow. It's also noted on the credit reports that my student loan information negatively effects my credit. I contacted the federal student loans administration, and was denied a full payment history for my loans, I was only provided with a letter stating my loan is paid off, and the payment history from XXXX when I paid off the {$27.00}. In addition the credit buraus list multiple federal student loans when I only had one account. I have contacted XXXX, Transunion, and XXXX in writing about this in fair and negative information
Product: Mortgage

I bought my house in XXXX. 

Amerihome, in XXXX, failed to pay my insurance premium ( which is escrowed into my mortgage payment ). 

Amerihome did not notice for an ENTIRE year. My coverage lapsed in XXXX of XXXX, and they did not realize it or notify my of the issue until XX/XX/XXXX. 

I am required to have insurance in place, and insurance companies won't just backdate a policy. Therefore, I have to get lender placed insurance for the entire span of time in which they a : failed to make my contractual payments, and b : didn't notice that they didnt make my payments. This insurance is VERY expensive, and my payment has skyrocketed to backpay it. 

In addition, my escrow ( without having this years insurance premium paid yet ... because I don't have a policy ), is down by {$1000.00}. No one can tell me why. Many reps and managers have tried to look into the escrow deficiency. No one can tell me the cause. They suggest that my taxes went up - my total taxes are {$1000.00}, so my taxes would have had to double for me to be this deficient. It has not calculated the lender placed insurance yet, so I will likely be many thousands of dollars more deficient once that hits me. 

I have spoken to Amerihome about both of these issues extensively. Amerihome has admitted that they " dropped the ball '' on making my contractual payment. I have yet to receive a reason why they did not make the payment. The managers I have spoken to have admitted that a payment should have been made, and that it was their responsibility to do so.
Product: Credit reporting or other personal consumer reports

Bankruptcy records are not accurate and can not be verified. Delete this fraudulent bankruptcy record, as I have disputed the accuracy numerous times, yet it remains on my XXXX and XXXX credit reports. If accuracy is the main purpose of you so called bureaus, Then fall in line with XXXX and their thorough investigation that lead to deletion of said bankruptcy public record. Also, a violation of privacy, defamation to my credit stance. I was able to get approved for housing this time last year. Currently, my credit score is super low due the inaccuracy of XXXX and XXXX ability to conduct proper investigations. I am not requesting any more investigations as they dont work to resolve inaccuracy issues and concerns. Please delete this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Please remove these accounts.
Product: Credit reporting or other personal consumer reports

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Product: Credit card or prepaid card

Dear CFPB, On XX/XX/2021, I received a vendor credit to my old Chase Southwest Rapid Rewards Visa Credit Card in the amount of {$1500.00} ( related to cancelled vacation plans due to COVID ).

I had closed that credit card approximately 18 mos. ago ( unfortunately, I do not have the full account no. to that closed card ... only the last 4 digits ).

I've tried repeatedly through phone calls and letters to Chase to track down the refund amount by providing them with all pertinent personal info. ( ss #, dob, address, phone no., copy of vendor 's reimbursement receipt, etc. ) and have them send the money to me via check. I understand that even though my credit card account is closed, Chase must by law maintain records of my old account for many years.

I have been extremely patient the past three ( 3 ) months in hoping for Chase to do the rigth thing, locate where the $ resides in their systems, and send me a check for the full credit received on my old credit card, or at a minimum, let me know a date certain by when I may expect payment. I provided Chase one last opportunity to resolve this matter via a letter dated XX/XX/2021 ( please see attached ). To date, I've received no response to that letter. 

In my discussions with the vendor, they are resolute in their position that they have properly reimbursed my card and that the reimbursement was accepted by Chase. Thus, they can not do anything further for me, or they would run the risk of making double payment. 

The ball is squarely in Chase 's court to satisfactorily resolve this matter. 

I respectfully seek your assistance in obtaining my money from Chase. 

If you require any further information, please do not hestitate to let me know. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

CCS Collection agency is fraudulently reporting on a debt that is being reported on my credit report. 
The original creditor is an insurance company, XXXX. The initial bill was for services not rendered. 
My rights under the Fair Debt Reporting Act are being violated in more than one way with this company, in addition to reporting on a debt not even legally owed.

They are reporting an open balance, which is illegal, a violation on how collections can be reported ; as they can not be reported as past due, late, or open.

They are also misreporting the dates on this account.

In the past, they totally disregarded my requests for the information on how they obtained this supposed debt, a copy of any contract between the original company or myself with them, and how they validated this account. They only responded with their generic verification process ; nothing was ever validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX INT Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

( a ) IN GENERAL : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report only under the following circumstances : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681- Fair Credit Reporting Act : ( a ) Accuracy and fairness of credit reports : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

List of Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not related to any transaction by the consumer.

Enclosed are all relevant documents pursuant to the above section of the law. I demand that all the aforementioned fraudulent accounts be deleted immediately. Additionally, I demand an updated copy of my consumer file reflecting these changes, as stated by 15 USC 1681c-1 ( 2 ) - Access to free reports.

15 USC 1681c-1 ( 2 ) - Access to free reports : In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall : ( A ) Disclose to the consumer that they may request a free copy of their file pursuant to section 1681j ( d ) of this title.

Be advised that I will CC : The Bureau of Consumer Financial Protection ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Attorney General 's Office in your state and mine Thank you, XXXX XXXX Enclosures : Copy of ID Utility bill showing proof of address Copy of Social Security Card FTC Identity Theft Report