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

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately ... XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My name is XXXX XXXX. I have several accounts with Chase. I closed on my first home XX/XX/XXXX. I was required to maintain escrows with the servicer, Chase. At closing, the annual homeowners insurance was paid to XXXX XXXX ( a/k/a ASI ) for XXXX year for {$290.00}. It was my understanding that Chase would continue to pay taxes and insurance for me. I recently received an escrow analysis ( XX/XX/XXXX ). I was shocked to see that beginning in XXXX, my payment had increased by more than {$400.00} per month. Since Ive never had a mortgage before, I didnt understand why at first. In talking to my parents, I realized that my homeowners premium to XXXX was never paid and that a force place policy was purchased in XX/XX/XXXX for nearly 4 times the cost of my original policy, {$1100.00}. The escrow analysis also showed another payment for XX/XX/XXXX of {$1100.00}. As a result of the force place insurance, I had both an increase in expected escrow payments and also an escrow shortage. I called Chase on XX/XX/XXXX to see if they could correct the situation and get my XXXX policy paid and get the forced place insurance removed. They told me that they didnt have any contact information for progressive to pay them and that I would have to take care of it myself. I contacted XXXX and tried to get my policy reinstated but they were not able to do so. After checking other options, I established a new policy with XXXX, paid the premium and submitted the information to Chase and asked for a new escrow analysis. I then called Chase again on XX/XX/XXXX. They told me the analysis had been done but not released to me. I again asked the agent if they could help me to get the force placed insurance premium refunded and they said they couldnt help me. The new escrow analysis is still more than a {$200.00} increase. This is because of the shortage from the force placed insurance that was paid. As a new homeowner, I trusted Chase to take care of my homeowners insurance and cant believe they would take advantage of new homeowner like this and charge me almost 4 times more for it. I am sure they had the documents from closing to know who to pay, and as such a big company, I would think they could have contacted XXXX and gotten this resolved. I get a lot of junk mail and emails, so I didnt know to look for anything about the insurance being cancelled, I just assumed Chase was doing their job. I am requesting that Chase refund my escrow account for the difference of my original homeowners insurance policy for both XXXX and part of XXXX and reanalyze my account. This seems like more than a fair resolution for something Chase was supposed to take care of in the first place.
Product: Credit reporting or other personal consumer reports

I have enclosed a photo of my government issued ID, the FTC report, and a handwritten letter. See attached
Product: Debt collection

Debt was paid in full XX/XX/XXXX. ( I have receipt and canceled checks ) Was called and ask to pay XX/XX/XXXX I explained the debt was paid. Told debt is cleared. Contacted again XX/XX/XXXX, explained debt was cleared. I was told is was a mistake after I explained and I would not be contacted again. But 2 times after pay off debt???? Something is wrong.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$830.00} Chargeoff XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1100.00} Chargeoff XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/closed XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to correct and remove some of the data on my credit report, but there are still some accounts that need to be updated. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I took out a private loan in order to attend XXXX XXXX XXXX. I did not know there was a difference between private and federal loans. I graduated ; however, I have not been able to work in the culinary field as the pay was lower than I expected to receive Also, now my payment is {$700.00}. When I was on an income based repayment plan, the payment was only {$320.00}. This is hindering me from a lot of things right now. 

Also, our class went 1.5 weeks of no instruction for a 3 week course. I tried to get the class to come together and complain about it but they were not willing to. So I submitted a letter to XXXX XXXX for them to dispute it on my behalf. When I wrote my initial letter, I stated to them that I would like a refund of that portion of the tuition and that did not have time for tutoring as I worked after school. They denied the request for the reimbursement and offered me tutoring. I reminded him I stated in the letter that I had to work and did not need tutoring. They ended up giving me a store credit for the amount they owed me in tuition. Now I am stuck with a {$63000.00} private loan student loan debt at {$700.00} a month. I am unable to live in better living conditions with my family. It is the biggest bill in my house.
Product: Credit card or prepaid card

I am the Court appointed personal representative for my XXXX son. I first contacted American Express in late XX/XX/XXXX/early XX/XX/XXXX to close his " Serve '' card. XX/XX/XXXX I faxed the documents I was told were required. In a letter dated XX/XX/XXXX the Prepaid Resolution Team identified additional documents that were required and I faxed those documents. In a second  letter dated XX/XX/XXXX they identified different and overlapping requirements which were faxed to them. Having heard nothing from them on XX/XX/XXXX I requested a status update. A letter dated XX/XX/XXXX ask for document that had previously been provided. They were faxed again. Having received nothing from the company I sent the requested documents again on XX/XX/XXXX. In a letter dated XX/XX/XXXX, postmarked XX/XX/XXXX, that was delivered on XX/XX/XXXX the company states they can not read my fax, require additional documents, and unless thy receive those documents within 10 days they will close the matter. 

On XX/XX/XXXX I again faxed all the requested documents. Because of the claim that the fax was unreadable that same day I via USPS mailed them copies of all the documents. In a letter dated XX/XX/XXXX they asked for the same documents that have been provided multiple time by fax and in hard copy. They provide no customer service contact information only a mailing address and fax number. 

XX/XX/XXXX I called a different portion of American Express hoping they could get me to a human who could assist in resolution. They were able to find an for internal use only phone number ( which they could not release ). The sales rep waited with me literally for over one hour and  nobody answered. The individual had exceeded the time they were allowed to remain on a call and the suggestion was to call again the following day and try again. 

I have a file of the correspondence that I hope to attach to this complaint, along with copies of the documents that have been submitted numerous times, and a fax log showing transmissions to the company. 

It should be noted my son XXXX on XX/XX/XXXX - - American Express continues to charge a monthly fee on his account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX  Date of Inquiry XX/XX/year>
Product: Checking or savings account

XX/XX/XXXX I received a notice from my bank " You are among a group of members who will receive a restitution payment due to one or more requests you made to dispute a payment between XX/XX/XXXX and XX/XX/XXXX. At the time you made your request, there is a chance your request was not handled properly. '' iao {$180.00} this has not been paid as of yet but that is a separate issue ( the payment I mean ) ...

The Current issue is related, a dispute for credit/refund not given by an offshore Rental Car Company "  XXXX '' on XX/XX/XXXX when I cancelled almost a month prior was never refunded by the company. I've been back and forth with my bank USAA since, they've apparently had ongoing " dispute department '' issues ( as have I with my bank ) over the years for inconsistency on notices and refunds in the past. I currently still have a XXXX XXXX XXXX  complaint open on this charge ( which I was charged again today after " dispute review '' on the 3RD TRY submitting documents with ZERO NOTIFICATION. They just charged me again with no notice. I have also emailed and been in correspondence with the CEO of the bank informing them of the incompetencies of that department, apparently with little resolve. 

Please advise, and thank you for your time. 

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

My name is XXXX XXXX. I'm sending this complaint on behalf of myself, there is NO third party involved with this complaint. On XXXX I sent a 609 dispute letter to Transunion regarding the following account, asking for a immediate investigation and removal of this account. It has been well over 30 days and I have yet to receive any information regarding the investigation of this account. 

XXXX XXXX XXXX XXXX  DOCKET # XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED. 
Date of account open : XXXX  Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX  appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Product: Money transfer, virtual currency, or money service

On XXXX  XX/XX/year> on XXXX, while traveling for work in XXXX XXXX I received a text message that some transaction was complete. It was a unknown individual I believe who hacked into my XXXX  account and transferred themselves {$2000.00} XXXX. At no point did I know the person whom did this unauthorized transaction. The name of the recipient on the account is XXXX XXXX. I do not know this individual whatsoever. The transaction recipient tag was XXXX. 

While in XXXX I did not make a single purchase of anything. I did not use Zelle at all. Or even my own banking, debit, or credit card either. I also did not visit any website or make a single a purchase. The hotel I was staying in was called, The XXXX XXXX. I stayed from XXXX XXXX. 

I have contacted both XXXX XXXX  and Zelle themselves. I have put in a claim for fraud ( XXXX both XXXX and Zelle XXXX in their there investigations they determined that they would not be able to assist me/help me. Reason being because it was sent from my phone. Which I did not do whatsoever. I am struggling to resolve this issue with both XXXX and Zelle. I would recommend that no person use Zelle through their bank.
Product: Student loan

repayment plan options were not presented properly. I switched and was told that I could not get credit towards the years I was paying for the 25 or 20 year repayment plan with caps. I 'm  XXXX . I have paying a very long time. In the last 10 years I was directed to switch Income repayment plans and also not get credit for the payoff caps on the previous plan. Lately I received another notice that I have to file an update. after login to do so Im told I have to reapply for the repayment plan, not on the good one any more. To reapply Navient sent me to the us loan website where my mailing address was two houses ago. Says I am a week late filing the repayment option for income. So I have lost all of the time my payment plan was ticking away at the 20 or 25 year cap. Still confused about what I was on before and why this is not easier. I am still confused as to how to fill out paperwork because it asks me to pick another plan, without telling me what I was on last time, even though all the other fields are pre-filled. I have already been verbally told that if I switch I will lose credit towards the 20 year program I figured out I needed to be on last time. Last time it took me many many many many tries to get on the plan was on and had to get special permission to process last time. I have never been late. I still need to call them back and sort this out after the holiday weekend. Spent hours on this task and it is not solved. I have a   XXXX   XXXX   in   XXXX   XXXX  in  XXXX   and all of my   XXXX   XXXX   XXXX  . I have the unfortunate position of being the mother of a  XXXX  child and     XXXX  b y a red light runner so I have all the time in the world to call with my blue tooth headset and my phone plugged min, wait for hours. Others work and I 'm sure would not be able to find the time to finish the annual re certification or go to this website to research it online and find the time to type in all the answers above without going crazy after being on hold, customer service loops with other companies all day trying to take care of simple details. Go to a website ... nope go to a website on a computer..nope not a tablet ... not that browser ... this browser. dropped call sorry wrong department. let me give you that number. go to this website ... we are closed. call back during a different time zone that what is humanly possible. maam I 'm going to send you to our escalations department. please retell me the story dropped call
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I noticed some unauthorized inquiries on my credit report that I would like to be removed. I never opened a credit card with First Progress. Never got a credit card from this company. I do believe this is a fraudulent application
Product: Credit reporting or other personal consumer reports

Delete these Inquiries. I have not applied for credit with these companies on or around these dates. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is displaying unauthorized accounts as XX/XX/scrub>XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I noticed my daughter 's credit card was being charged fraudulently, so I started the dispute process with Apple. The rep asked me to look over the rest of the charges on her card to ensure we got them all. I noticed a recurring charge of {$14.00} from XXXX that we did not notice, and the representative add the charges to the dispute. She had me check my XXXX account to make sure there were no services we mistakenly signed up for. There was not any on my account. The dates for these charges were XX/XX/XXXX until XX/XX/XXXX. There were numerous of other fraudulently charges that kept coming thru even after they supposedly reset her card. Finally, on XX/XX/XXXX I received an email from Apple stating that XXXX showed proof the charges were valid, and they were removing the provisioning credits for the XXXX charges. I called immediately and spoke with a representative asking what proof was provided. He said he did not know ; they are not allowed to see it. I said put a supervisor on the phone. How are you going to tell me you can not provide me with what proof XXXX provided to validate the charges. The supervisor told me they were unable to see the information. She would have to request the information be provided from XXXX and I should receive it in the mail in 7 days. Because of the continuous fraud attempts, I had to ask them again to reissue her another card number, because the old one was still receiving charge attempts. I never received anything in the mail, I texted today XX/XX/XXXX asking where the information is and was told they have to request it and send it to me in email. I keep getting the run around. All I would like is the information provided by XXXX. At one point the representative on the call even suggested that I call XXXX. I asked why I should call the merchant ; they can not search charges with my credit card number. This whole process has been a nightmare!
Product: Credit reporting or other personal consumer reports

I have several inquires for what appears to be an auto loan and I have never requested any of these loans or approved for the credit pull. I believe when these transactions were done, it was in attempt to fraud during COVID with internet scams. I have submitted several fraud reports to Equifax and they refuse to remove the fraudulent activity. Also, I had XXXX fraudulent accounts that Equifax refused to remove that has aged out and fallen off my reports, but Equifax has put them back on my reports changing the tradeline of the account age.
Product: Debt collection

On XX/XX/XXXX I agreed to a hardship payment plan to resolve my debt to Best Buy/ Citibank . I agreed to pay $ XXXX/mo. until the debt was paid in full. I was under the mistaken assumption that I would continue to set up each payment online by the XXXX of each month following so I set up the first payment online to be withdrawn on XX/XX/XXXX. I was not aware that the payments would be set up automatically by Citibank/Best Buy. When I went online to check on my account I discovered that 2 payments of {$200.00} each would be withdrawn on the XXXX. When I tried to delete the payment I had set up the site told me I could not do that online and must call XXXX and speak to an agent. 
I called Citibank on XX/XX/XXXX at XXXX XXXX  and was told that one of  the payments would be deleted. However, on XX/XX/XXXX both payments were withdrawn from my bank account. I am currently undergoing financial hardship and this withdrawal sent my finances into a tailspin. 
I then called Citibank again and informed the agent of the extreme hardship this double withdrawal placed on my finances. I was told that 1 payment would be refunded in 3 business days. It is now 10 days later and still no refund to my bank account. 
I called today ( XX/XX/XXXX ) at XXXX XXXX  and informed the agent that I don't even have money to live on until the first of next month. I have been told once again that I will be refunded {$200.00} in 3 business days and if I did not see it in my account by Friday XX/XX/XXXX I should call them again ( HA! ). I asked why I have not received the refund by when I was told she responded that it may have been denied. If so, no one informed me of such action. 
I am filing this complaint now to have it on record and maybe receive some assistance in expediting my refund if it does not happen by the aforementioned date,
Product: Credit card

I had several comenity bank accounts opened in my name around the same time fraudulently. It was about XXXX accounts!! I disputed this several times and tried to resolve it with the company and they will not resolve it!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my accounts vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation XXXX these actions have significant inconvenience and financial loss and I seek appropriate redress for these violations