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

In accordance with the Fair Credit Report act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 or 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

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : 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 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 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

There is this account on my XXXX credit report that I do not recognize, I dont know who the data furnisher is and the account is showing that it was XXXX in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX and XXXX   also and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX and XXXX for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. This is affecting my credit worthiness really bad.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. 
Delete account immediately for violating 15 USC 1681EB!
Product: Vehicle loan or lease

My Auto Loan was sold to Capital One Auto XXXX where they refuse to allow me to make extra payments beyond 12 months, I have always make my auto monthly payment with interest and prinicipal
Product: Mortgage

I paid my Wells Fargo mortgage loan # XXXX in full on XX/XX/XXXX. I contacted Wells Fargo at XXXX on XX/XX/XXXX at XXXX XXXX  and was told my escrow would be refunded and I asked about my PMI. When I purchased my home in XXXX we paid our PMI in full for {$4900.00}. I told them I wanted my refund of around {$4000.00} due to paying off the loan. The first female I spoke to told me she consulted with someone in the PMI department and he said due to the Homeowners protection act I do not get my PMI back and they keep my {$4000.00}. I asked them how that is and told them I will file a complaint. She then directed me to The executive office with XXXX XXXX who told me my case would be looked into and someone would contact me within 24-48 hours to talk about my situation. I told her I was told by a friend who does her exact job this is what they would try to do. The initial person could have handled and took care of my situation but instead they pass it on so they can buy time and waste 60 days before returning my money if they ever follow through. She then told me she doesnt think it will take 60-90 days and mentioned 10 day turn around. I asked her again so this will be resolved in 10 days and she said my person would contact me and let me know. This is ridiculous. We paid this money it does not belong to them and it should be refunded. They are giving me a run around and its exactly why I got away from Wells Fargo for my mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B. - XX/XX/XXXX ( last 4 of SS # XXXX ) Experian Dispute by Mail XXXX XXXX XXXX XXXX XXXX XXXX Re : Report # XXXX XX/XX/XXXX To whom it may concern, Although I am NOT a credit repair agency, I am writing to express my disagreement with the items listed below that still appears on my credit report, despite your previous investigation. I kindly requested these items be reinvestigated immediately, as their presence is negatively impacting my credit rating. 

According to Federal law, you have a period of thirty ( 30 ) days to complete your reinvestigation.

1.The following account is not mine. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) Please remove this from my credit report. 

2. The following account is not mine. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ( Account # XXXX ) Please remove this from my credit report. 

3. The following account is not mine. 
XXXX XXXX XXXXXXXX, XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ) Please remove this inaccurate closed account from my credit report. 

Additionally, in accordance with The Fair Credit Reporting Act, the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.15 U.S.C. 1681 section 602 A, states : I have a 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 instructions.

15 U.S.C. 1681c. ( a ) states : no consumer reporting agency may make any consumer report containing any of the followingitems ofinformation ; ( 4 ) Accoun
ts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years. ( 6 ) Any other adverse item of information which antedates the report by more than seven years. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Once you have completed your reinvestigation and made the necessary corrections, please send me an updated credit report toreflect such corrections and removals. See attached examples of inaccuracy via photo copy comparison which further support that my consumer right have been violated. 

Your cooperation and prompt attention to this matter would be greatly appreciated. 

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

a request for credit was sumitted without my approval.bank agreed sent me a letter stating the inquiry would be removed, now 4 months later still appears on my credit report. 
Please advise if i have to hire a copany to fix this problem.
Product: Checking or savings account

I went food shopping XXXX XXXX 2021 at XXXX XXXX XXXX in XXXX NY for {$260.00} ran my tdbank debit card and the woman stated it did not go through to do again so I swiped again she said it still did not go through, so I used a credit card. I went home and saw that it did go through 2 times- I called the store that day and they said take it up with your bank I called the bank the next day and they gave me {$530.00} in a provisional credit- then on XXXX they took the money back and ask me to prove I paid 3 times- I went to the bank and the man faxed the statement as prof and since then I have gotten several letters that the credit did not go through and I loose the money- They gave me the {$260.00} so far but they will not give me the other {$260.00} because they stated I did not send the required documents in 4 weeks. I did nothing wrong but go food shopping for my family and 2 large corporations will not give me my money back that I need to pay bills- they are playing with me and I am so discusted by this whole process to get back my money! 
Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect personal information, leading to the appearance of unknown and inaccurate accounts that do not belong to me. I have been a victim of identity theft, and my information was used fraudulently, resulting in accounts I was never associated with being added to my report. As advised by Equifax, I filed a report with the FTC and submitted the necessary documentation, yet these fraudulent items remain. This ongoing issue is unacceptable and continues to impact me negatively.
Product: Debt collection

Unauthorized account on my credit report XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

THERE ARE SEVERAL ACCTS ON MY CREDIT REPORT FROM 2017 THAT ARE IN LITIGATION AND STILL ON MY REPORT THAT IS FRAUD ANYTHING OPENED AND OR USED IN 2017 IS FRAUD I WAS IN THE XXXX IN 2017 XXXX  AND XXXX  WERE COMPROMISED IN 2017 AND MY INFORMATION WAS STOLEN I HAVE TICKETS AND COURT DTAES IN MY NAME ALSO BUT I WAS IN PRISON IN NEED OF ALL 2017 TRANSACTION UNDER MH NAME XXXX XXXX TO BE DELETED FROM MY ACCOUNT IMMEDIATELY I HAVE ALREADY HIRED A LAWYER AND WE ARE PERSUING LEGAL ACTION AS WE SPEAK ANYTHING IN 2017 FROM XXXX XXXX XXXX XXXX GA XXXX IS FRAUD using my name XXXX XXXX and my social to open up cards?!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX TX XXXX Dear XXXX Customer Service XXXX I hope this letter finds you well. I am writing to formally request an investigation into negative items on my credit report and to address an incorrect address related to a recent data breach. 

My name is [ XXXX XXXX ], and my Social Security XXXX is XXXX. Upon reviewing my credit report, I have identified several negative items that I believe are inaccurate and may not be mine. Furthermore, my credit report contains an address that is not associated with me due to the impacts of this data breach. 

The specific incorrect address that needs to be removed is : I kindly request your assistance in conducting a thorough investigation into these negative items, as well as the removal of the incorrect address from my credit report. Attached, you will find any relevant documentation to support my claims, including [ list any documents, such as a copy of your credit report highlighting the incorrect entries and address, proof of identity, proof of residence, etc. 

It is imperative that my credit report reflects accurate information, as I am actively working to maintain my financial reputation. I appreciate your prompt attention to this matter and look forward to your timely response. 

If you need any further information or documentation, please feel free to contact me at the phone number or email address provided above. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Student loan

After submitting documentation to change from XXXX to REPAYE XXXX to Nelnet, I was entered into a forbearance that I did n't want for XXXX months. I noticed that my application was not being processed ; when I called, I was told that I needed to enter into the forbearance and make a payment of only {$5.00} for that month. Weeks later, I still was n't entered into REPAYE ; when I called again, I was told that I had been entered into the " wrong kind '' of forbearance and needed to wait another month. No payment was charged at all for a third month.So, my overall repayment period has extended 3 months. Because of my payment plan, and the likelihood of claiming XXXX, I will end up making XXXX much larger payments years from now instead of XXXX smaller payments in XX/XX/XXXX-XX/XX/2016. I would much prefer to make retroactive payments and pay my loans off earlier. 

Unrelated to that issue, I submitted documentation of my public service for future PSLF. My Nelnet loans were paid off by XXXX on or about XXXX XX/XX/XXXX. But, Nelnet charged an auto-debit payment on XX/XX/XXXX, and does not appear to have credited my account with that payment.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$980.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am Per your request. Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act.

15 U.S.C 1681 section 602 A. states i have the right to privacy Clarity Services A Part of Experian.. on behalf of XXXX XXXX now Inquiry date- XX/XX/year> Clarity Services a part of XXXX ; on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On or about the month XXXX I became aware of an alleged outstanding debt for XXXX XXXX Visa card. I was contacted by XXXX XXXX XXXX ( a third party collection agency ) and was harassed for an outstanding balance of {$2400.00} I had completely been unaware of. 

XXXX XXXX XXXX XXXX XXXX contacted me with a unfriendly tone demanding I pay the above balance, again, I have never made any application for credit with or opened any account with XXXX XXXX XXXX Visa or Capital One bank at any time. 

I have filed a police report and am willing to prosecute the perpetrator who has used my identity which resulted in the credit card debt from XXXX XXXX Visa card.
Product: Bank account or service

Chase closed my newly opened account with no explanation and is now holding my entire deposit for ten days. The deposit is {$8500.00} dollars that I ca n't access. They should not be able to hold my money. I did n't even get A reason. I want my funds and I want to be able to pick it up, not mailed.
Product: Credit card or prepaid card

Due to unfortunate circumstances, I missed a payment on my Capital One credit card ( didnt pay in full ; I pay half out of each paycheck ). I made up for it, and paid more than what I owed. However, I was informed that even though I was paid up, I get charged 2 months of interest because of a rule break that doesnt give me a grace period anymore. At no point on my bill does it say this. I get paying the first missed payment interest. But late payments are charged XXXX. I have been charged over 60 dollars in interest between the 2 months. Im not a bad customer that is constantly late. I pay on time. I called to have the second charge removed since on no where on my agreement does it say they can continually charge me interest on my purchases until the 3rd month if I didnt pay my balance in full. It says only on the missed balance, which I paid off. I contacted them to see if they could forgive the unnecessary interest charge on a balance I paid in full, and they said there was nothing they can do about it. I asked for a supervisor, and she said the same thing.
Product: Mortgage

I had Chase LOAN for my Home, They transfer my Loan to XXXX, CHASE ACCEPTED MY PAYMENTS UNTIL XXXX XXXX AND SENT XXXX BANK TO CHARGE ME SINCE XXXX + THEY ARE BEING CHARGING ME OTHER AMOUNT THAT IS NOT WHAT I WAS TOLD SINCE 2015 AND CHASE MAKE MY LOAN TO COME HIGHER INSTEAD OF LOWER SINCE I BEING MAKING MY PAYMENTS ON TIME. 
BEFORE CHASE TRANSFERRED MY LOAN, I WAS TOLD THAT THEY WERE GOING TO REVERSE THE CHARGES THEY MADE BY MISTAKE BY ADDING TO MY ESCROW EXTRA CHARGES AND LEAVE MY LOAN BALANCE THE RIGHT WAY AS THEY ORIGINALLY HAD IT SINCE XXXX/XXXX/2015 AS THE LETTER THAT I 'LL ATTACHED SENT IT BY THEM " CHASE '' ALL I NEED IS TO FIX THEIR MISTAKES ON THE ESCROW ACCOUNT AND SENT ME THE LAST XXXX PAYMENTS FOR XXXX AND XXXX THAT THEY RECEIVED IN ORDER TO MAKE THOSE PAYMENTS TO THE XXXX LOAN BECAUSE I HAVE NO MONEY FOR DOUBLE PAYMENT. THIS IS NOT FAIR FOR ME, LAST THING I NEED TO MENTION IS THAT CHASE REPRESENTATIVE TOLD ME OVER THE PHONE WAS THAT, WITH CHASE BANK INSTITUTION, I CA N'T DO ANYTHING AGAINST THEM BECAUSE THEY HAVE ALL THE LAWYERS TO SOLVE ANY PROBLEM AND HE ALSO MENTIONED ABOUT NEW BANK XXXX, HE SAID THAT WAS AN ADVISE, THAT XXXX WAS GOING TO TAKE MY HOME AWAY FROM ME IN LESS THAN 30 DAYS AND THEY WILL ALSO GOINT TO KNOCK MY DOOR WITH THE POLICE IN ORDER TO GET ME OUT. 
I 'M VERY SCARE BECAUSE I KNOW THEY ARE STRONG AND THIS IS MY ONLY CHANCE TO GET SOME FAIR HELP.
Product: Mortgage

On Wednesday, XXXX XXXX, XXXX I received a letter informing me that I had canceled my insurance and that my mortgage company, Freedom Mortgage, would be providing me with hazard insurance at a high rate. I had know idea that my insurance had been canceled. I was n't overly concerned because I had received one of these letters about two years ago.
When I called Freedom Mortgage they informed me that they had sent my insurance payment, but it had been returned. They told me that they sent my payment to the wrong address. And that XXXX XXXX had canceled our policy 6 weeks ago. I told them that I was unaware of any problem. They said two letters were sent from XXXX. They asked if I would hold while they contacted XXXX XXXX. After 5 minutes they came back on the line and said they were talking to XXXX, The mortgage representative said she hoped they would take an overnight payment. She came back on the phone and informed me that XXXX refused. I needed to call my agent and rewrite the policy. I was extreme frustrated and overwhelmed. The next day I was having roofers show up and I had no liability insurance. The response from Freedom was that is an inconvenience. There was no admission of guilt or apology. I asked for a supervisor and was told it was a one to two day call back time. She connected me to a higher level. At one point in my anger I asked if I needed to contact the tax collector to see if they had paid my property taxes, and I was told not to be ridiculous. I could n't believe how flip they were. 

I called my agent, but he was very confused and said he had to check somethings. I then decide to call XXXX myself. I connected with a very helpful agent. There records did n't show any calls from Freedom Mortgage that day. He offered to call them and see if they would send a payment immediately. He also informed me that no letters had been sent to me, but three bills had been sent to Freedom. He put me on hold, and called them. Freedom was willing to send a payment right away, and some how found the correct address.
It is amazing to me that Freedom Mortgage lied to me about everything. They risked my home and my financial safety. I have never missed a payment or been late. This is the second time they have put my security at risk..
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and equifax are reporting tax liens, judgements, and public records on my account,. They are not doing proper Investigation because they are paid by the creditor to report items that are not supposed to be in there. Everytime I try to dispute with the credit bureaus the representatives are always nast, and rude., my only option is to report it to the consumer financial protection bureau so they can enforce the rules, regulations, an laws to these bureaus so that they can stop purposely trying to block the consumer from mortgages, loans, and credit the consumer deserves, the credit bureaus are reporting XXXX XXXX and XXXX XXXX XXXX XXXX liens, they are violating the FCRA by reporting tax lien, judgements a, and public records,. They still put a judgement on my credit report by XXXX XXXX XXXX XXXX which keeps disguising an eviction judgement as a collection loan,. I have attached the judgement case number and court te judgement was filed, hopefully this time the consumer financial protection bureau can enforce the credit bureaus to remove this judgement, and two tax liens totaling {$34.00}, XXXX. these liens need to be removed. Also equifax keeps reporting closed accounts negatively, and keeping negative items on my credit report more than 7 yrs, and reporting positive accounts negatively, they also have an old child support account on my credit they will not remove even after XXXX yrs of credit reporting
Product: Debt collection

Hello, I have tried to get verification from Bull City Financial, the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I have also sent letters to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
I sent over 4 letters demanding validation and they don't respond to me. The last letter I sent was certified mail on XX/XX/18. So far nothing and it is affecting my credit.