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

payment was made on the weekend. i went to the credit card website to make a payment as i went to the site to make the payment with my checking account it was declined. so i used my debit card. the next day i noticed that there was two transactions it was XXXX that the original payment with checking was processed. i called the bank where my checking account is held who advised that the credit card company would need to be on the line to fix this issue. when contacting the credit card company the agents stated that they were not able or unqualified to assist with this issue and continued to refused to provide bank with the information required to fix this charge and stated that there was " nothing '' they could do on their end. never seen as much so i advised to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX, LA XXXX 8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Mortgage

I have a mortgage with Freedom Mortgage Company and after reviewing my paperwork, I noticed some discrepancies on my paperwork. On my HUD-1 my interest rate is 6.5 % with a loan amount of XXXX but on the truth in lending statement my interest rate is 7.078 % with a loan amount of XXXX finance charge amount {$130000.00} total payment {$230000.00}. On the GFE the amount is XXXX. HELOC XXXX. According to my payment schedule payments should be $ XXXX ... However, I have never paid this amount since the beginning of the loan the lowest amount I have paid is XXXX. On XXXX/XXXX/15, I call collections and spoke with rep ID XXXX who informed me I had a escrow shortage of {$1600.00} and my account was being prepared for foreclosure. She transferred me to customer services XXXX ID XXXX ... she said an escrow analysis was done on XXXX XXXX and mailed XXXX XXXX, 2015 to my mail box. The problem with this statement is I do not have a mail box. I have receive all other mail except this XXXX that have been sent to me. She also stated that the new payment did not go into effect until XXXX because I had a short fall on my escrow ; but if you notice my XXXX statement I am paying the same amount for Escrow as in XXXX. This does does not square. I asked about my status with my mortgage and was informed that I needed to speak with someone in collections. I was transferred to Agent ID XXXX. We discussed completing a loss mitigation packet. I informed her that a payment had been sent. She said, the payment would be returned because, the foreclosure process had begun and they would process the documents when received to determine if they are accepted. But they will continue with the process even during the review. In order for the process to stop the entire amount of {$4400.00} is due. But, I question this amount that is due because of all the discrepancy with my financed amount and payments.
Product: Credit card

I have signed up for a personal XXXX XXXX credit card from US Bank. In the agreement I signed up for it clearly states that I will receive a XXXX free night AFTER PAYING THE {$75.00} FEE. However, soon after paying the fee I learned that US Bank has decided to not provide this benefit as promised. I called US Bank today to ask if there was anything available to compensate for this but was told the best I would be offered was XXXX pts or they could cancel my card and give me the annual fee back. They also stated that the new benefit was a free night in a XXXX hotel after XXXX dollars spend. This is nothing in comparison to the benefit that I signed up for. I did not accept this as it was not satisfactory because I would loose the benefits I have earned from he card and also it does not address the impact to my credit score associated with card applications. I do n't understand why US Bank feels that it can bait people into signing up for a product with the promise of great benefits and then switch the benefit to something else that is not even close to as lucrative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I make these legal and true statements I would like Transunion and the CFPB to know these are my words as the consumer, XXXX XXXX. On XX/XX/2021 Transunion deleted account # XXXX off my credit report. On XX/XX/2021 the same account was put back on my credit report saying that the creditor verified the information. According to 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who have knowledge concerning any such items of information. What friends, associates, neighbors of myself did you interview? Can you provide the following names of the friends, associates, and neighbors that you interviewed? I firmly believe Transunion has committed a violation if they didn't send me verifiable proof of who they spook to. I am also confused on what information Transunion have that XXXX doesn't have. XXXX is reporting wrong information and is dealing with litigation. How is it possible for 3 bureaus to be reporting 3 different reports if everyone is getting the same information from one creditor? that lets me know fraudulent information is being reported and has been reporting on my consumer report for years and has caused me great pain and a lot of denials from businesses that I wanted to gain a relationship with. 
15 U.S. CODE 1681a states accuracy and fairness of credit reporting, which means everything should be 100 % accurate or be removed from the consumer report. My auto loan account # XXXX has been satisfied and paid off but late payments are still being reported and I was never late on payments. Without permissible purpose according to FCRA it is a violation to put anything on my report without contacting the consumer first, please lets fix these issues and litigation should not be involved if everyone does not violate the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report as I am a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted to prevent misuse of my personal information. 
Accounts to Be Blocked and Deleted : 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 or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been locked of my account for XXXX weeks now waiting on them to verify my account and I my payment is due this month but can not access my account to make my payments. There is no number to reach anyone and I have written in so many email tickets with no response. They say 2 business days you will get a response but I have yet to get a response. 

No one has helped me. I have screenshots of my email requests with no response.
Product: Checking or savings account

On XX/XX/year> I received deposits into my checking account with CashApp. Those deposits were instantly used by an unauthorized party to purchase XXXX and then send those XXXX to an unknown party. 

I am waiting to see if CashApp is going to reimburse me the {$820.00} that was taken from my account. 

Checking Account # XXXX. 
Authorized Deposits Involved on XX/XX/year> {$400.00} {$300.00} {$120.00} Unauthorized XXXX purchases on XX/XX/year> {$400.00} {$300.00} {$120.00} As the transactions were happening I was attempting to block the transactions and was repeatedly logged out of my account the CashApp support advised my account did not exist. I they were later able to reinstate the account but are still investigating the transactions.
Product: Credit reporting or other personal consumer reports

CarMax has been reporting the account below as a charge off for more than 4 years but never received the 1099-C. Demand that 1099-C be forwarded. Attached is payment history being report to reporting agency. Failure to comply is violation rights under FCRA. 

Account Number XXXX XXXX
Product: Mortgage

I have a mortgage with USBANK, due to COVID 19 my daughter lost her job, she is a co owner of the property. 
I made contact with USBANK XX/XX/2020, via email, I requested and obtained forbearance but because the household income is less, XX/XX/2020 sent an email requesting a loan modification : ONE to lower the interest rate, TWO remove the PMI, the property has enough equity ( bought for {$250.00} loan down to {$230000.00}, appraised value in XX/XX/2020{$290000.00} ) No response from USBANK, I sent 3 other emails, XX/XX/2020, XX/XX/2020 requesting the same two things, lower rate and no pmi, that will bring the monthly payment from XXXX to XXXX THAT is a LOT of help, I will be able to make the payments with just one income. 
I got excuses from USBANK, " working from home, short handed, the loan " expert " it is not available, there is a new loan " expert '' working on your case " ... it is XX/XX/2020 ... no activity or help from USBANK. 

Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$1900.00} US DEPT ED XXXX Balance : {$3700.00} US DEPT ED XXXX XXXX : {$1100.00} US DEPT ED XXXX Balance XXXX {$2100.00} UP ARKANSAS XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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: Debt collection

Approximately XXXX of XXXX my family and I were approached by a vendor from XXXX XXXX at XXXX offering a free home water analysis. 
A Representative from XXXX XXXX XXXX  ( XXXX  ) named XXXX XXXX came to the home to Test our water. He conducted a presentation XXXX pitch indicating how our water was bad and the equipment from XXXX XXXX XXXX would provide our home with the softest and cleanest water in town. 

I indicated that I was not able to purchase or agree to obtaining the products at the time due to medical and financial issues. He understood yet was persistent on getting the equipment that day as I would be offered an additional {$500.00} off the total price. I refused. I was speaking to a representative by the name of XXXX @ XXXX, negotiating on the price for the equipment. I asked if they gave any military discounts, since Im a proud husband of my wife who was serving for 22 years in our XXXX XXXX. I agreed to $ XXXX tax, which came to {$5600.00}. 

XX/XX/XXXX, XXXX A couple months later XXXX XXXX called me to follow up and inquire if this would be a better time to obtaining the unit and their services. I also provided her with a check to setup auto-pay. 

She stated that I could finance the unit and I agreed. Weeks later, I was advised that I was not approved to have it financed and that I would need to write a letter explaining my financial circumstances. I was asked to obtain a letter from a notary indicating that my wife had given me permission to have the unit installed in her home and that she was not able to finance it due to her military XXXX XXXX. I was advised that this process would be through their Time Investment Company , Inc ( TIC ) and also their in house financing. About 2 weeks later I received a phone call stating that I was approved, and they wanted to schedule an appointment to come out and install the equipment. XX/XX/XXXX XXXX came out to install the systems. 

I had been receiving numerous harassing emails and phone calls after I advised TIC about breaching their own contract, incomplete work that needed to be done along with damage to our home ( XXXX  ) and that I wasn't going to be sending any payments to them. I contacted TIC numerous times trying to resolve all the issues and got nowhere. They attempted cashing one of my checks twice ( check # XXXX ), I had already canceled the auto-pay and contacted them about this. I received two {$29.00} NSF fees from my bank. Eventually I had the water tested and there was still hardness. This is a scam, its fraud. 

I sent them a cease and desist letter to TIC ( received by XXXX XXXX XX/XX/XXXX ) - " To cease all communication with me in regard to the debt referenced above. Do not contact me, or any third parties regarding this debt via the telephone or email. '' I was contacted 4 times after they received my cease and desist letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). These are violations of my rights under Section 806 of the Harassment Act and Section 805 of The Privacy Act of the Fair Debt and Collection Practices Act. I can also provide more emails received before the cease and desist was sent if needed.
Product: Credit reporting or other personal consumer reports

I have submitted 4 disputes for the same account in the last 2 months and all Experian will do is take the creditor at their word. They did not seek any further evidence from me ( I did provide several items disputing the claims ), nor did they independently investigate the matter. I want the XXXX account removed from my credit report immediately
Product: Mortgage

On XX/XX/XXXX i had my house scheduled to refinance with Freedom Mortgage for a XXXX  loan. The notary had a tire blow out and couldn't make it. I realized it was Friday and we couldn't reschedule but i never heard anything from XXXX XXXX XXXX XXXX. I Finally lwas able to reach XXXX XXXX the following Tuesday XX/XX/XXXX after leaving several messages and emails. He informed me he would send a email to the closing department and i should hear back from them. Nobody ever called. I called several more times because i was getting quite concerned that maybe this was a scam and i finally got in touch with him. I expressed my concern and his response was " what did i want him to do ''? Well i justvwas trying to get some information I was told to hold my payment and i didn't know what to do. Finally someone called and informed me they were working on it and i closed XX/XX/XXXX. 
Customer service was horrible and no one should be put in this same situation. 
I please ask you to help so no person has to go through this kind of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax ( XX/XX/XXXX and XX/XX/XXXX ) to dispute a 30-day late payment that XXXX XXXX reported for XX/XX/XXXX and provided them with copies of my XXXX XXXX statements showing that XXXX XXXX made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account ( XXXX XXXX has me past due incorrectly on my XXXX statement ). After submitting the evidence to Equifax, they sent the information to XXXX XXXX, but XXXX XXXX validated the late payment even though I provided evidence and Equifax disregarded the evidence and left the 30 day late payment because XXXX XXXX " validated '' the late payment. I have disputed this twice with Equifax on XX/XX/XXXX and on XX/XX/XXXX and Equifax completely disregarded the evidence/documents. I called them today XX/XX/XXXX after noticing my disputes were closed but I was not able to get the results online. They said the disputed were closed because XXXX XXXX validated the late payment. Equifax confirmed even if they are in receipt of evidence, that they dont actually investigate and will go based on what the creditor says. I have been getting the run around and also Equifax refused to connect me with a supervisor and instead they referred me to dispute this with XXXX XXXX. Overall, they confirm they receive the dispute and just forward it to the creditor. No actual independent investigation is done at their end and if the creditor is incorrect - they dont do anything and instead keep reporting the late payment on the consumers account. I hope you guys can help me out with this. Thank you!!
Product: Checking or savings account

JPMorgan Chase Bank let XXXX take about {$300.00} from my checking account. I had never even heard of XXXX. They tried to take out about {$600.00} in two transactions but I was able to block one transaction but one went through.

I went to to branch where I opened the account and they said that they couldn't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete this 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
Product: Debt collection

Between XXXX and XXXX, this company contacted me stated that they see me trying to delete and remove the wrong information on my credit report. The guy told me that he can help me with this issue easily and very fast. He charged me about {$500.00} but I have to deposit at least {$200.00} for him to start and then to make monthly payments. He told me that I will see a changed on my credit report in a short period of time and my credit scores will go up within months. He promised me that he will make sure he cleans everything and have all 3 credit bureau to delete informations that are not belong to me and get rid of anything that is appeared to be a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed erroneous accounts completely from my Credit File. I have been asking the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items accurate and verified. However, the Credit Bureaus have been disappointing me and have failed to send me copies of such documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed account before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : 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