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

I recently paid off a student loan account ( XXXX Acc. # XXXX ) This account should be deleted from my credit file as the account is too old. 
Transunion keeps sending me investigation results saying " DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED '' Pursuant to the FCRA this account shall be removed
Product: Money transfer, virtual currency, or money service

Zelle money sent to the wrong contact. Could not reverse or refund due to disclaimer
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
2 ) In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
3 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
4 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
5 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
6 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
7 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
8 ) In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

We received a letter from our County Assessor 's office ( dated XX/XX/XXXX and received XX/XX/XXXX ) indicating that our real estate taxes ( due XX/XX/XXXX ) are delinquent and accruing interest. The letter threatened to publish our names in the local newspaper and to offer a tax sale on our property if payment was not received by XX/XX/XXXX. 

We called our home loan servicer, Mr. Cooper ( Nationstar Mortgage ), on XX/XX/XXXX informing them the taxes held in escrow had not been paid. 'XXXX  XXXX apologized and said that a check would be 'over-nighted ' via XXXX the following day ( XX/XX/XXXX ) and that she would call us to confirm this the next day ( XX/XX/XXXX ). We did not receive any call during normal business hours the next day as promised, so we called that evening ( XX/XX/XXXX ) and spoke with another agent ( did not get the name ) who informed us that there was no record of the call from the previous day and confirmed that no check had been sent. The agent informed us that the soonest a check could be sent was the following Monday ( XX/XX/XXXX ). Frustrated, my wife ended the call. 

I called the evening of XX/XX/XXXX and spoke with 'XXXX  ' ( not the same XXXX as before - I asked ) to confirm that a check would go out XX/XX/XXXX and she said that she saw 'on her screen ' that payment was due to go out XX/XX/XXXX. As this was the final due date from the Country Assessor, I said this was unacceptable. I informed XXXX that we had been promised that payment would be over-nighted XX/XX/XXXX and then XX/XX/XXXX and now XX/XX/XXXX. I also informed her, as we had with all representatives up until this point, that the payment was originally due XX/XX/XXXX. We demanded immediate satisfaction, also informing each representative that electronic payment could be made via the County Assessor 's website at any time. 

We are considering, to be safe, paying the taxes ourselves - including accrued interest. I contacted the County Assessor 's office this morning ( XX/XX/XXXX ) and spoke with 'XXXX  XXXX to confirm the exact amount ( {$3900.00} ).

Immediately after calling the County Assessor, I called Mr. Cooper XXXX XX/XX/XXXX XXXX. XXXX to check the status of our problem one last time. 'XXXX  XXXX informed me that a check to the Country Assessor for {$3900.00} had been sent and should be delivered today ( XX/XX/XXXX ) and provided me with the check number and a XXXX XXXX tracking number. When I checked the tracking number and expanded the history of the shipment, I found out that the check was sent to an address several states away ( XXXX, Pennsylvania instead of XXXX County Assessor, Nebraska ). 

Learning this, I contacted Mr. Cooper XXXX XX/XX/XXXX XXXX ), spoke with 'XXXX  XXXX who transferred me to 'XXXX ' and I explained our situation again. XXXX stated that her manager, 'XXXX  XXXX, would be contacting me as soon as possible, but that the 'turn-around time ' to fix the address with the 'vendor ' was seven days. I was adamant that XXXX contact me today ( XX/XX/XXXX ). 

This is where we currently stand.
Product: Mortgage

I spoke to a loan officer ant my local bank about a refinance of my mortgage. We started the process. I was told I would get an interest rate of 3.5 % and my closing costs would be financed into the loan. My officer would than ignored my repeated attempts to reach him. The original loan close date and rate lock date came and went, but the rate lock was extended by the loan processor. When my loan officer finally get back in touch with me he said the rate had gone up to 3.9 % and I would now have to bring {$3500.00} to close. I then reached out to his manager who said he could still get me 3.5 % but I would now have to pay 2.375 % in points in order get the rate that I was told I could have in the beginning and now I would have to bring about {$2400.00} to close. My credit has not changed over the 3 months that this process has taken. Interest rates have increased since I started this process, now I can not even go to another bank because of the time that this loan officer and bank has wasted. Because of this fact I agreed to proceed with the new figures to see what the final numbers would look like. Since then my wife received a student loan disbursement. We put most of it into our savings account. I had also been putting some money into the same savings account in anticipation of needing more cash to close. Now they are telling me that I can not use the money that I put out of our checking account into savings for my cash to close money. The amount of money I put up would be enough to cover the closing costs, even if we did n't get the disbursement. I feel like they are trying to discourage me from closing this loan because rates have gone up and they do n't want me to have the lower rate that I was promised in the beginning of the process. I also feel as though they have been deceptive from the beginning of the loan process. They keep moving the goalposts on me every time I meet XXXX of their requirements or agree to new terms.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$580.00} XXXX XXXX  XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I was enrolled in paperless billing for my Citibank card. I regularly have to de-select paperless billing from the moment that I log in to my account. It seems like this happens every time I log into my account. I use my paper bills to help me track when things are due. I missed my XXXX payment inadvertently because I did not receive a paper statement. I never did enroll in paperless billing. This caused me to incur a {$35.00} late payment fee. I did not make the XXXX payment on time either because I did not receive a paper bill. This put me having a 30 day late payment on my credit report and incurring another {$35.00} late payment fee. I made a {$130.00} payment on XX/XX/XXXX. I could not find online where I was enrolled in paperless billing. I thought I must have accidentally thrown away the statements. I have now missed my XX/XX/XXXX payment. I made it today on XX/XX/XXXX and realized I had missed it because I received a phone call from a number that registered to Citibank. I now will incur another {$35.00} late fee. I did finally find on the website in my account where I was showed to be enrolled in paperless billing and I have now changed it back to paper by mail. I feel that I never made the selection to change to paperless and have now incurred three {$35.00} late payment fees and a hit to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have let the know both XXXX and Equifax know that I am a victim of identity theft both on my own and thru this forum. I have informed them of the accounts that were a result of this theft and some they removed which I appreciate but other still remain. These accounts are claimed to be mine but they are not and I was wondering how they came to this conclusion.
Product: Credit reporting or other personal consumer reports

Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : Account Name + Account Number : XXXX. XXXX XXXX XXXX # XXXX. XXXX. XXXX XXXX XXXX # : XXXX. XXXX. XXXX XXXX XXXX # : XXXX. 
This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( XXXX ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).. 
Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
XXXX. The name of the original creditor XXXX. The creditors address and telephone number XXXX. The persons name they verified the dispute with. 
XXXX. The documentation used to verify the dispute. 
If you are unable to respond in ( XXXX ) ten days and provide the above items, delete the account ( s ) immediately from my credit report to prevent further damage.
Product: Mortgage

SLS has once again changed the terms of the note I have filed two complaints last year CFPB case # XXXX and # XXXX This was resolved and now this year they have changed my interest rate from 3.125 % to 11.625 % I will attach a copy of my note to this complaint if possible
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had some fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts nor have I gave consent or approval to these accounts in which are held by a third party that i do not have a contract with
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account 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  ACCT # XXXX IM BEING CHARGED DOUBLE. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On or about XX/XX/XXXX I applied for a Comenity - XXXX XXXX XXXX XXXX and was immediately approved. I have used the card on several occasions and have always paid the bill in full and on time. I have also always paid the bill online. 
The last bill paid was due XX/XX/XXXX and in the amount of {$84.00}. As usual I paid the bill in full, online, and on XX/XX/XXXX. I was given a confirmation number of XXXX. 
I received a call from Comenity customer service on XX/XX/XXXX at XXXX informing me that I owed them a bill in the amount of {$110.00} which included the previous balance of {$84.00} and {$33.00} in late fees and interest. I explained that I had never gotten a bill for {$110.00}, that the {$84.00} had been paid a month earlier, and I would give them the confirmation number so they could check. They declined to accept the number from me or to check and I was informed my being given a number at the time of payment did not assume payment was accepted by them and that I needed to pay the full {$110.00} or at least {$40.00} at once. I told them I would pay the {$84.00} since they apparently had declined to accept my payment but I would never be paying their late fees or interest for money I had attempted to pay them previously and had confirmed. I gave my debit card information and was informed I still owed {$33.00} and then was unceremoniously hung up on. 
Throughout the call I felt the Comenity representative was rude, overbearing, and generally unpleasant implying I was lying about paying the bill weeks before and not receiving any bill for {$110.00}. Had they checked in the past they would have known my credit score is in the XXXX. I will never use this credit card again, do business with Comenity, or pay them the {$33.00} they mistakenly think they are owed.
Product: Checking or savings account

The issue is two fold. The first problem started with an authorized ACH withdrawal of {$60000.00} from my Discover XXXX Account on XX/XX/2022. I saw the charge the day of and immediately went to work trying to get ahold of Discover Financial Services XXXX team to report the Fraud and get the investigation going to meet any reporting timelines. This is where the second issue starts. I've been on hold for hours and the Discover XXXX Team will not answer. Each time after hours of holding the call then drops. As a military service member I don't have the free time to continually make these phone calls and wait. I have the phone call records to show the times and duration of the calls. I've reached out on Discover 's secure message center as well. I also have come to understand this is not a new issue with Discover 's banking side and that multiple people have reported similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply concerned about the errors that still appear on my credit reports. These errors are ruining my credit profile and damaging me a consumer. Under the Fair Credit Reporting Act, incomplete, innaccurate and unverifiable information should be promptly removed from my credit file. This journey has taken over 30 days. I have not received the information I requested. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that the XXXX, Equifax and XXXX Credit Bureaus are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this complaint to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ive been a loyal Bank of America customer for a few years now, and have received absolutely no help filing my first dispute ever with them. All of the charges added up to be {$6200.00} without me receiving any notifications to my phone being alerted of fraud. These transactions were also international, thats what the person told me when I was filing the dispute online. They told me I would even be issued provisional credit within 10 days and I didnt even receive that. Three weeks later I receive a letter in the mail instead saying my claim has been denied and that according to my account history I made these charges, even though this is my first ever dispute with Bank of America. They wouldnt even give me proof of the merchants evidence for their decision and keep telling me its nothing more they can do. I feel very screwed and betrayed right now because this is a lot of money for me to be losing to random international merchants that compromised my card information and to see my own bank that I have been loyal to not attempt to help me. I have never left the United States in my life and dont even have a passport for all of these international charges from so many different merchants that I have even tried googling and cant find. Some type of scam is being ran on my card and I really need this claim re opened and figured out because I do not deserve this. And I didnt even receive provisional credit an entire month after this claim which makes me think they had no intentions of actually looking into it. My claim number is XXXX. My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>, social security number is XXXX. I beg for your a better resolution. And I have also attached some screenshots from my banking statement of these charges where you can see its being charged international fees.
Product: Prepaid card

This Christmas, my employer gifted me a prepaid AMEX business gift card. Excited to use it, I tried making purchases at several online retailers, including XXXX, XXXX, XXXX, and XXXX. However, every time I tried to pay, the transactions were declined. 

Confused and frustrated, I contacted AMEX customer support to figure out what was going on. Their response left me even more puzzledthey claimed they had blocked the transactions to ensure the " safety of my funds. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and to my surprise i saw many fraudulent medical collection accounts listed on my credit report. I also have been recieving calls from debt collectors about  accounts that are not mine and i recieved notifications that ALL of my personal information has been exposed in several mass data breaches in the past ad current. This is extremely devastating and i request that all of the fraudulent information be removed immediately. My request is in line with the Fair Credit Reporting Act Section 605B and i have the power to exercise my rights.
Product: Debt collection

Commenity BankXXXXZales XXXX XXXX XXXX and XX/XX/year>. I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve these issues over the years directly with the reporting agency, it remains unresolved. I request an investigation and removal of these items as it is incorrect and does not reflect my true credit history. 
AccounXXXX XXXX XXXX & XXXX