23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I experienced identity theft. Someone used my information to open credit account with American Express. I filed three ( 3 ) depute with American Express. I have done all that they have asked of me during their investigation/process. 

Each times, all they have done is sent me something that said that I benefit from the account. 

How is it possible for me to benefit from an account that I never open or even know the person that used my identity to retained this account?!
Product: Mortgage

I have made repeated requests to have the PMI from my mortgage be removed and it has not. My Mortgage is through Freedom Mortgage and they have given me information that I do n't believe is correct - such as a loan under two years old ca n't have the PMI removed and loans that are 2-5 years old have to have a 75 % LTV amount ( I am at 71.5 % LTV ). I have spoken to numerous people during this process yet my most recent request submitted in XXXX has not been responded to. I have however received numerous unsolicited phone calls from them asking if I want to refinance my loan. I have no desire to refinance my loan with a company that wo n't communicate with me regarding inquiries I have submitted. 
During XXXX of the unsolicited phone calls from them I was actually yelled at by the manager telling me I was crazy for not refinancing and that he had no idea why I where I was 'coming up with my LTV . ' His name was XXXX XXXX I emailed Freedom Mortgage after that call on XXXX XXXX and also never heard back from them with my complaint on how he treated me. I used the appraising company that Freedom Mortgage said I had to use, my house appraised for {$400000.00} and my current loan balance ( As of my XXXX XXXX statement ) on my conventional loan is {$280000.00} giving me a LTV of 71.5 %. 
I have NO Idea why they wo n't remove the PMI when I have followed the steps I had to follow to remove the PMI.
Product: Debt collection

I received an alert yesterday on XX/XX/21 fron XXXX that there is a collection account flagged in my account. As collection account was viciously added to my account when I am not aware who is party is nor have any uncollected debt with XXXX. 

I have a XXXX account and it is current as of this month. I therefore do not understand why the debt collector would attribute this collection account to me. 

Debt collection practice is ruthless with no regards to understanding how they can ruin someones credit and adding this collection to my credit has already caused damages. 

The collection agency has to provide proof of the debt owed to XXXX ; otherwise this debt collection should immediately be removed from my account. 

I am attaching proof that I am a XXXX customer with a current account. Therefore this so called XXXX debt is either fraudulent or erroneous.
Product: Debt collection

XXXX XXXX from CBE Group called from XXXX regarding their XXXX Credit Card in my name going to collections for a balance due of {$6100.00}. Gave me the number of the main office located in Iowa as : XXXX. 
Wanted me to verify my address as : XXXX XXXX XXXX. 
XXXX, NY XXXX. 
I was unable to verify that as we live on the western side of the USA.
Product: Vehicle loan or lease

Filed a request for a car title and bill of sale with Ally on XXXX XX/XX/2021. The lease payout was made in full. Was told the process takes XXXX days. It has now been XXXX  days. Ive made over XXXX calls to Ally. Have sent numerous emails, including to XXXX XXXX the Ally XXXX. No title, no response and no resolution.
Product: Mortgage

My property taxes for year XXXX have not been paid by my mortgage company. The mortgage company name is AmeriHome Mortgage Company , LLC. 
I have called this company more than 10 times in XXXX XXXX and they keep stating they will pay the taxes but they have not so far. They say they did not get feedback from XXXX County Appraisal Office on assessment of my property. I have the tax bill and I have the assessment information on the XXXX county website. I also sent the tax bill to the company and the parcel number. The customer service is also not good. They have limited information. 
I have an escrow account set up with the company and they are supposed to pay the taxes. There is no proper communication on why the taxes are not paid. I feel I am being subjected to endless harassment and waste of my time and energy. I want this company to pay my taxes and the penalties.
Product: Prepaid card

Hi ON THE XXXX OF XXXX I WENT TO XXXX AND DEPOSITED {$840.00} ON TO MY PREPAID RUSHCARD ... .UP TO THIS DAY THE XXXX OF XXXX I HAVE YET TO RECEIVE THIS MONEY ON MY CARD FROM THIS COMPANY ... ..I CONTACTED XXXX AND THEY TOLD ME THAT EVERYTHING WENT THROUGH AND THE PROBLEM IS WITH RUSHCARD ... .I HAVE CALLED RUSHCARD FROM THE XXXX UP TO TODAY THE XXXX OF XXXX AND CAN NOT GET THROUGH TO CUSTOMER SERVICE..THEY ARE HANGING UP THE PHONES, ,NOT ANSWERING, ,LONG WAIT TIMES TO TALK O SOMEONE..ETC ... THE FEW TIMES I GOT THROUGH TO THEM LAST WEEK THEY TOOK MY INFORMATION, REFERENCE NUMBER FOR MY XXXX DEPOSIT AND SAID THAT IN 2 DAYS MY MONEY WILL BE ON ... ..STILL NOT ON MY CARD ... ..CALLED AGAIN AFTER THAT THE SAME EXACT THING ... YOUR MONEY WIL BE ON IN XXXX HOURS..UP TO THIS DAY STILL NOT THERE ... .I HAVE BILLS TO PAY, RENT, MEDICAL FEES, ETC ... NO ONE CARES AND NO ONE IS HELPING ... ..ON XXXX THE OWNER OF RUSHCARD ID ON THERE SAYING TO DM HIM AND EMAIL CUSTOMER SERVICE..I DID THAT MANY TIMES AND STILL NO RESPONSE ... .THIS IS BY FAR THE WORST POSSIBLE THING I HAVE EVER GONE THROUGH ... I WANT AND NEED MY MONEY ... .HE IS SAYING THAT EVERYTHING IS UP AND RUNNING BUT YET THOUSANDS OF PEOPLE STILL CAN NOT GET ACCESS TO THERE MONEY AND ACCOUNTS ... .JUST ENDLESS LIES ARE BEING TOLD ... ..WE NEED OUR MONEY NOW, ,AND W NEED TO BE COMPENSATED BECAUSE THIS HAS MESSED UP MY LIFE AND MANY OTHER 'S ....
Product: Credit reporting or other personal consumer reports

I keep asking for my wet signature and all proof that goes with it. Also I have had my credit frozen off and on for the last four years because someone has been trying to use my name. Some how the freeze keeps getting turned off. 
Someone made an account in my name for XXXX XXXX, so I cant even get into that one to see what is on there. 
Experian had all kinds of names on there that werent even my names. Also addresses that I hadnt even seen before. 
Not any of the sites are the same. They look horrible!! I have tried to dispute but nothing gets done. 
This cant be legal, to be putting false information out there. I dont believe they are able to share wrong information. Which all of them are doing. I have reported repeatedly that my identity had been stolen, and My name has been in the XXXX XXXX XXXX Data breach, XXXX  data breachXXXX XXXX XXXX XXXXXXXX data breach. My account is high risk and has been that way for quite some time. They were informed of all of it. Dispute after dispute and nothing was done
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent them a FTC report also corrected the company the debt is with. the Debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple telephone calls in XXXX and XXXX, 2020, XXXX XXXX XXXX ( XXXX ) continues to report inaccurate information to each of the three credit bureaus.
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 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 XXXXXXXX, 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.

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

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.

The only name and address and phone number that should be on my report is ( XXXX XXXX - XXXX XXXX XXXX, XXXX MN XXXX. XXXX ) All other names and addresses variations should be removed. 

Experian, XXXX, XXXX are reporting names and addresses which are completely inaccurate and false.

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit file regarding XXXX XXXX XXXX. I have noticed discrepancies in the way this account is reported between the three major credit bureausExperian, TransUnion, and XXXX. 
Here are the specific inconsistencies I have identified : XXXX. XXXX is reporting a balance of {$53.00}, while TransUnion and XXXX report {$220.00}. 
XXXX. TransUnion is reporting the date of the last activity as XX/XX/year>, XXXX is reporting the last date of activity as XX/XX/year>. 
This conflicting information is causing confusion and could potentially impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), all information provided to credit bureaus must be accurate and consistent. I request an immediate investigation into this matter to ensure the information on my credit report is corrected and aligned across all bureaus. 

For your convenience, I have attached the following : A copy of my credit report from all three bureaus highlighting the discrepancies A copy of my government-issued ID Proof of residence ( e.g., a utility bill ) Please verify the accuracy of this account with the furnisher and provide me with a written statement detailing the findings of your investigation. If the information can not be verified or corrected, I kindly request that this account be updated or removed as required by law. 

I appreciate your prompt attention to this matter and look forward to your response within 30 days, as stipulated under the FCRA. Please send any updates or correspondence to the address listed above. 
Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written all 3 credit bureaus asking for removal of collections item -- from XXXX XXXX, which sold my fraud account to XXXX XXXX XXXX. I have a letter from XXXX confirming the fraud account, but it was sold to XXXX XXXX. So both companies point fingers to each other. 

I was a victim of fraud. I would like this item removed from all XXXX credit bureaus per the law. I have sent 2 letters now and 7 calls. Still no compliance. 

Please help! 
Thank you XXXX
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a balance transfer through Capital One. They claimed they sent a check to XXXX to pay off the balance I had with XXXX. After a month of my balance transfer not going through XXXX but Capital One was showing the balance transfer had went through I started an investigation.It took months for Capital One to follow through with getting a copy of the check they claimed was cashed by XXXX. Recently XXXX sent me a letter stating they did not cash this check that Capital One is claiming was cashed. Since XXXX I have been trying to get this resolved. Capital One has charged my account for a balance transfer that never went through on XXXX. So now I'm being charged {$3400.00} on both credit card accounts. This issue has yet to be resolved and it's going on 4 months now. No one seems to take accountability to cashing this check. It's lowered my credit score as well. Every time I end the phone conversation with Capital One the problem  doesn't get resolved. Some party cashed this check. There has to be a way they can track who cashed this check and why it wasn't applied to my XXXX account. I feel at this point I've been taken advantage of. I want my balance transfer canceled through Capital One. XXXX has no record of the check that was faxed to them.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business XXXX XXXX  XXXX ( XXXX equipment and telephone sales ) since XXXX. My PayPal account ; XXXX has stucked funds in it that i have to withdrawn ASAP for emergency purposes. And i am hoping that i will get back my account and able to withdraw my funds. Thank you and Godbless. 

For isentity verification, i attached my valid ID. Please see attachments.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the unresolved status of a previous dispute concerning unauthorized inquiries on my credit report. I initially filed this dispute on XXXX and followed up on XXXX. This letter represents my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 611 ( 15 U.S.C. 1681i ) : This section mandates that disputed information must be promptly investigated. It has been more than 30 days since my initial dispute, and I have not received an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) : This section entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) : This section defines the permissible purposes for obtaining credit reports. The inquiries in question were made without my consent and do not fall under any permissible purpose, representing a significant infraction.

Immediate Action Required I request the following actions be taken immediately : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries identified as unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Please include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.
Product: Credit reporting or other personal consumer reports

I am experiencing a discrepancy with TransUnion regarding the reporting of three accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were previously removed by XXXX XXXX XXXX XXXX, indicating they recognized the inaccuracies in the reported information. However, TransUnion continues to report these accounts as verified and accurate without providing sufficient proof or explanation for their findings. 

Despite my requests, TransUnion has failed to supply the specific evidence or methodology used in their verification process, as required under the Fair Credit Reporting Act ( FCRA ). I am concerned that their reliance on automated systems like e-Oscar may have resulted in an incomplete or inaccurate investigation. Without sufficient evidence supporting the existence and accuracy of these debts, TransUnion 's continued reporting of these accounts is unjustified and harmful to my credit profile. 

I am requesting a thorough reinvestigation of these accounts, detailed documentation of the verification process, and immediate correction or removal of any inaccurate information. If TransUnion can not comply, I urge them to delete these accounts and block their re-reporting, in compliance with federal consumer protection laws. 

attached you will a copy of my ID, my SSC, my proof of address, proof of the deletion of the account on each bureau and a letter to TransUnion.
Product: Payday loan

I was notified that I had taken out a loan, tried to fight it with the vendor and eventually just paid it to get it off my credit. It is still on my report and I want it removed. The above reason does n't accurately describe it. I did not ask for the loan or receive  it. Ad Astra  originally said if paid the account would be removed but now said they will only remove it if I file a complaint. Please advise.
Product: Debt collection

Someone opened a fake account in my name and address with XXXX XXXX XXXX That person 's email address is XXXX. The purpose of this complaint is to register this email as fraudulent and the owner participated in falsifying my information to make transactions on XXXX back on XX/XX/2018. They closed that account XX/XX/2018. I received a letter from a debt collector ( ACI ) dated XX/XX/2018 that I owe XXXX {$1400.00}. Transactions were made to someone named XXXX and another person XXXX XXXX. I do not know these people. XXXX has resolved the issue to my satisfaction. I just want to report this email and make people aware that they need to immediately call XXXX if the get a letter like this or suspect fraud.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

Hello there, I reviewed my credit report from Equifax and 2 of my credit accounts are showing up as " new accounts- 3 months old '', rather than 15 months old. The accounts were opened in XX/XX/XXXX  ( 1 yr + 3 months ) with 2 different credit card companies. I contacted Equifax and spoke to an agent who told me I couldn't possibly be looking at a credit report from Equifax since I didn't create an account with them and that I needed to contact the credit card companies myself to figure out how they can fix it for me. I.e, Equifax is not the problem and will not be helping me.

Can someone else help, as I am sure other people may be experiencing the same mathematical errors on their credit reports..
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Vanderbilt Mortgage to see why they reported an increase to.my balance when I pay on time and extra. They claimed that the problem was XXXX that they didnt report that amount. When my dispute was completed with XXXX it said account was accurate.When I looked at the payment reports it doesn't show where I paid extra. I feel like i am getting the run around. This increase made my score drop. They need to fix this.
Product: Credit reporting or other personal consumer reports

According to the fair credit report act the list of accounts have voliated my federal protected consumer rights to privicy and confidential under 15 usc 1681 Acct name : XXXX XXXX XXXX act # XXXX 15 u.s.c 1681 section 602 A states I have right to privacy. 15u.s.c 1681 section 604 A section 2 it also states a consumer reporting aganevy can not furnish a account without my wtitten instructions 15u.s.c. 1681 states no consumer agency my make any consumer report containing any of the following items of information any others adverse teams of information other than records of convictions of crimes which aquects the report by more then seven years 15 u.s.c a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I contacted equifax concerning account on my credit report showing " included in bankruptcy write-off, account closed ". In fact, just the opposite is true, the account is quite active, and the payments are up to date! Since originally reporting this to equifax through there own website I # 1 never received response # 2 the reporting by equifax is still inaccurate, no correction is made. ( I don't understand why the government we the people pay to protect, we the people. Instead protect a monopoly like equifax from defamation litigation? )