23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received a certified letter from my county tax bureau that I was in default of paying my local school taxes from the previous year - XXXX. 
The amount due ( with penalties ) is {$2800.00} that was to be paid on XX/XX/XXXX. The bill was to be paid via escrow by my company EmbraceXXXXXXXX XXXX, but was rejected back to the mortgage company on XX/XX/XXXX by the local tax collector in my School District for an unknown reason. 
No other payment was made after XX/XX/XXXX, and I was not notified of a problem until I received the certified letter from my county in XXXX. 
On XX/XX/XXXX, I faxed all of this information to Embrace and asked them to pay before the deadline ofXX/XX/XXXX. I have made several inquiries since then as to the status of this problem with no resolution. As of today XX/XX/XXXX, I have had no correspondence that assures me that this will be paid on time. If it is not, new fees will be assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/XXXX, I mailed Transunion, XXXX, and XXXX a letter stating that the names, address, and place of employment showing on my credit file are not those of mine. They sent letters back stating that the FCRA states i am obligated to provide them proof of my social security card and Driver license to prove the information does n't belong to. I have sent this on several occasions including with the most recent letter on XX/XX/XXXX demanding the remove inaccurate address, and names and employers as they are making me susceptible to Identify theft.
Product: Credit card

I opened a retail credit account for the sole purpose to finance a security system in XX/XX/XXXX. I received an email XXXX that my account was being upgraded to a Fortiva credit card with XXXX XXXX XXXX. I received the credit card in the mail about a XXXX  later. My account balance was transferred to this new credit card that I never approved. I reached out to the company on XXXX or XXXX XXXX, and their response was : Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. A review indicates that the change in terms mail regarding the upgrade was sent to you on XX/XX/XXXX with an option to opt out from the change till XX/XX/XXXX. Since you have not opted out by the specified date, your XXXX  account has been upgraded to a XXXX with a credit limit of XXXX  and your previous balance was transferred as well. 

Please be advised that with your previous Fortiva retail account, you only had the option of making purchases with XXXX. However, your new Fortiva XXXX empowers you to use the card for everyday purchases, XXXX  cash at financial institutions and ATM 's worldwide or rent cars, hotel rooms, and shop online. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. 

Thank you for contacting Fortiva Customer Service. 

Please note information you send to us contained within or attached to an email is not secure until it reaches our servers. 


I never received any mail from Fortiva indicating a change. Additionally, failure to opt-out is not sufficient to grant permission for a company to open a credit card in ones name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with Experian for allowing incorrect information to show on my credit report. According to FCRA section 609,  when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened. 
1 ) XXXX XXXX original creditor XXXX XXXX  2 )  XXXX XXXX  original creditor XXXX XXXX 3 )  XXXX XXXX original creditor XXXX  XXXX I have not done any business with these companies. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score decreased by 67 points. I reviewed my credit reports with XXXX  and Equifax ( XXXX  said I already received my free report for the year ), and I dont have any recent late payments. My credit score dipped over 100 points a few years ago from a late payment, and it took me three years to recover and increase my score up to XXXX. Now my score decreased by 67 points in the span of one month. I dont have any new missed payments and my credit utilization is low. I would like an explanation as to why it has decreased so drastically. Is my old missed payment being counted against me a second time? IIm hoping its an administrative error, but would like clarification. I cant think of another reason my score would drop so significant in a short amount of time.
Product: Checking or savings account

I made a payment to XXXX XXXX XXXX for {$480.00}. XXXX XXXX XXXX initiated to other withdrawals one for {$1700.00} and another one for {$1100.00}. I immediately called the bank to dispute the charges. I was informed that I had to wait until the charges posted to the account. Once the charges posted to the account, I immediately called the bank. They started a dispute however they put the dispute in as fraud not unauthorized charge. Im thinking do a language barrier with the representative which appeared to have an XXXXXXXX XXXX.The initial claim was denied. I reopen the claim, and it was denied a second time. I reached back out to the bank explain the situation to them, and they open a second claim. That second claim was then denied based on the decision of the first claim. They refuse to reopen the claim or move forward any further. I contacted Visa corporate office, they instructed me to reach out to CFPB.
Product: Checking or savings account

After Capital One held a deposit of a cashier 's check for over two weeks, I decided I no longer wanted to do business with this bank. On XX/XX/2018, I called and waited on the phone for over 30 minutes to speak with someone to close the account. After another 15 minutes of waiting and going back and forth with three different representatives, I finally spoke with someone and closed the account. I was assured that the account was closed and the money would be transferred to my external account at XXXX  XXXX XXXX XXXX. 

Fast forward to today, almost a full week later and the account was still open and the money wasn't transferred to XXXX XXXX XXXX XXXX. I called Capital One again and waited another twenty minutes while being passed back around again. A supervisor came on finally and told me the account hadn't been closed! I was stunned and quite angry. Not only had they NOT followed through on the request to close the account a week earlier, they had not bothered to try to contact me to let me know there was a problem! This whole thing would have just dragged on without me knowing anything about it had I not called them again. 

The supervisor said I could close the account and they'd mail me a check for the balance. I reminded them that I had linked the XXXX  XXXX XXXX XXXX account and wanted the balance transferred there. He said they couldn't do it as the linked account was removed by them. What?? Why on earth would they REMOVE an account I had linked? Both accounts were under my name and I had previously done several transfers. Now Capital One was deleting this account and holding my money hostage! How can this happen?? Is this what America 's become?? A place where banks can do such things without any oversight or fear of repercussion? 

The final insult was the supervisor telling me I could go into the account I had believed was closed and re-submit the details of the XXXX XXXX XXXX XXXX again and then, at Capital One 's leisure, they'd do two small deposits to be confirmed so they could validate the account. Only then would I be allowed to transfer the money out of the account. Or, I could close the account AGAIN today and they'd send me a check, at their leisure, for the balance. This would likely take another TWO WEEKS! I've been at this with Capital One already for two weeks plus and now they pull this move. 

Who will stand up for consumers against the power of big banks like Capital One? The CFPB used to stand for the American people when banks tried such stunts. I'm not sure they do any longer but I'm writing this in hopes that I'm wrong.
Product: Credit reporting or other personal consumer reports

Please verify this information with the credit reporting agencies Public Records- Bankruptcies Date Filed XX/XX/year> Type Individual Verified Date ( blank ) Filer Subject Liability ( blank ) Court US BANKRUPTCY COURTOKLAHOMA C Exempt Amount ( blank ) Asset Amount ( blank )
Product: Mortgage

I got my mortgage through XXXX who has the investment from XXXX XXXX. They told me I had to pay mortgage insurance until I reached 20 % of my loan to value. I called to see how much I needed to pay in order to get this removed. There was a severe lack of communication on their front. Not only do they require me to pay XXXX for a home estimate but they also won't remove it until I get to 25 % of the loan paid. They neglected to mention any of this in closing and in fact they told me it would automatically be dropped at 20 %.
Product: Money transfer, virtual currency, or money service

I had {$7000.00} transfer from my savings to my account then transferred to a personal account without my consent. My bank did a investigation on this dispute and determined no error occurred, case closed. XXXX they can do more with this investigation or at least refund the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to furnish the date of last activity and the date closed alleged charged-off account XXXX as requested in my first dispute sent in XX/XX/2021 The date of the last payment is inaccurate as seen by the Payment history calendar. This is a failure to ensure maximum possible accuracy before furnishing this alleged charged-off account XXXX on the credit report therefore Equifax is in violation of USC Title 15 1681b " accuracy of the report '' and USC Title 15 1681i 5 1-2 " Treatment of inaccurate or unverifiable information delete immediately.
Product: Debt collection

I received a letter from XXXX ( which I assume is a debt collector ) they are trying to collect on someones Paypal Credit account, but its not mine. I do n't even have a Paypal account. The letter does not tell me much just that it 's a Paypal credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX XXXX XXXX XXXX  Delete any and all other phone numbers. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Student loan

I have been behind 1 payment and accruing late fees for the past year navient can only offer interest only for 6 months to lower payment I am already paying XXXX in interest and cant afford repayment plan so Im stuck paying late fees every month and cant catch up. The company deceived me in the past as they verbally denied me in the past since there was a co-signer. The company has no available options that entail submitting financials to review. How can they can do that?
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted Equifax regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801- Protection and nonpublic personal information, to report my transaction information. I did not consent for my transactions to be reported. These are the following companies that I am placing a dispute on : EQUIFAX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK, XXXX XXXX. OF XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ATTORNEY GENERAL-CHILD SUPPORT.
Product: Credit reporting or other personal consumer reports

I have notified Experian that they are reporting inaccurate information, I requested that they correct the inaccurate information and they still continue to report inaccurate information and information that is not correct
Product: Debt collection

I am not liable for this debt with XXXX RAPID CASH XXXX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked. 

Account XXXX Amount Disputed : {$370.00} Account No : XXXX Amount Disputed : {$350.00} Account XXXX Amount Disputed : {$73.00} Account No : XXXX Amount Disputed : {$81.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of an unauthorized credit inquiry from XXXX XXXX XXXXXXXX XXXX on my credit report. I did not authorize this nor try to open an account with XXXX I called them the day I was notified on XX/XX/2023 and confirmed that someone had used my name and SSN to try to open a credit card which prompted a hard inquiry on my credit report. After speaking with the fraud specialist at XXXX on XX/XX/2023, she told me that I would receive a letter in the mail stating that I had not initiated the inquiry or tried to open a new account. I received a letter about 2 weeks later stating that XXXX needed more information from me before opening a new credit card, which is not at all what I requested. I called again on XX/XX/2023 to request a new corrected letter and was put on hold for about 52 minutes without any help. I called back multiple times and was placed on hold for 10 minutes each time after which I hung up.
Product: Credit reporting or other personal consumer reports

Failure to do a thorough investigation into inaccurate information on my report. Also advised of fraudulent information on my credit report. Also, I have a relative with same name. Advised them that my past name has never been XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, the mortgage holder has said that they have requested 3 times that Trans union report my mortgage. Trans Union has refused and when I talk to Trans Union they say that XXXX XXXX is not supplying the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a charge-off in the amount of {$4400.00} on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I was in a car accident in XX/XX/2014 and the vehicle was a total. My insurance covered the full amount for the automobile and therefore no outstanding balance is due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XX/XX/XXXX XXXX, IL XXXX ( XXXX ) XXXX No open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX, FL XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XX/XX/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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020, respectively, I mailed letters requesting validation of debt to XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX. XXXX XXXX XXXX refused to provide validation of the debt and instead and mailed me a letter instructing me to contact XXXX XXXX / XXXX XXXX. I mailed validation request to XXXX XXXX / XXXX XXXX   to which they did not respond within 30 days. 

As such, I am writing to request you delete this account from my credit report as neither reporting company validated that I owe this debt. 

Creditor : XXXX XXXX XXXX / XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous student loan servicer ( XXXX ) has turned my student loans over to Dept of EDXXXX. I have disputed inaccurate items on my credit report. However, they are reporting these items as accurate. I have an 11 year old account on my report with a last report date of XX/XX/23. These actions violates ( FCRA ), 15 U.S.C. 1681
Product: Credit card or prepaid card

Someone got my card, charged {$220.00} from me, ordered a bunch of stuff from XXXX, XXXX, XXXX XXXX XXXX, there was quite a bit more but I cant remember what else it was that they got. All I know is that when I tried to use it the machine kept on denying my card. So I had to order me a new card, I am still getting money taken from me every month there is almost {$150.00}. missing off my card, I dont go anywhere to buy anything, I dont order online. My S.S.I money is the only way I live, having people steal it from you each month its hard to live on it. I HAVE HAD MY IDENITY STOLEN FROM ME, THATS THE REASON WHY I CANT GET MY CREDIT SCORE UP. There are people out there that is using my Social Security number to get credit cards, all kinds of other things while I sit here trying to get our own place to live, we cant even do that because someone is putting my name to shame or giving me a bad name for using my information. WOULD YOU PLEASE CHECK OUT MY XXXX XXXX  ACCOUNT, MAKE SURE ITS NOT ME THATS TRYING TO PURCHASE CREDIT CARDS, LOANS, CARS.
Product: Student loan

Mohela moved to a new servicing platform in the fall of 2024 and is reporting my single account ( which is now paid off ) as two separate accounts with an outdated balance from the old platform and an outdated balance from the new platform. I had one open account and it is now paid off. I only had one account on my credit report until XX/XX/2024 when suddenly two accounts appeared on my credit report. Mohela has not responded to my requests for an explanation, update, report of payment history over the life of the loan or letter of confirmation of paid off status ( even though my account online shows a XXXX dollar balance ).
Product: Credit card or prepaid card

This complaint to ADVANTAGE CREDIT INC was the result of their non-compliance to my request to remove their unauthorized furnishing of an inquiry on my account. I never reached out nor authorized them to pull my credit report.
Product: Checking or savings account

I did not open bank account with key bank and someone did and used checks that I did not have
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute inaccurate information reported by Experian on my consumer report, specifically a XXXX XXXX Bankruptcy identified as Bankruptcy Discharge XXXX Reference # XXXX, allegedly filed on XX/XX/year>. This information is incorrect and should not be included in my file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), consumer reports play a vital role in determining credit and employment eligibility, making it essential that the information reported is accurate. Experian reporting of this erroneous bankruptcy violates this principle and negatively impacts my financial opportunities. Pursuant to 15 U.S.C. 1681e ( b ), Experian is required to maintain maximum possible accuracy in its reporting, yet the presence of this disputed bankruptcy shows a failure to meet this standard. Additionally, under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccuracies, and Experian is obligated to conduct a reasonable reinvestigation. Experian failure to correct this misinformation may constitute willful noncompliance under 15 U.S.C. 1681n, which allows for statutory damages, punitive damages, and attorneys fees. Alternatively, if the violation is due to negligence, Experian may be liable under 15 U.S.C. 1681o, which provides for actual damages and legal costs. I request the immediate deletion of this inaccurate bankruptcy record and written confirmation of the correction.