23daVinci/CFPB_Complaints huggingface dataset:
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Why do you continue to ignore my request to block outdated and unverifiable information?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. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 15 US-CODE XXXX FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

1. The inquiry was not authorized XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I have been a card holder of American Express for over 20 years. Over the years I have accumulated almost one million travel points with American Express. 

I recently tried to log into my American Express account to view and redeem points for travel but I was locked out of the account. I called American Express customer service and was told that because I hadn't used the card lately the credit card had been canceled by American Express and all travel points that I earned were revoked. 

I was also told an email was sent to me suggesting I use the card but not such email was received by me. I scanned my email account to make sure I didn't overlook the email but no such email was received in my main or spam folders. 

I requested American Express send me proof that I was notified and a copy of their policy that would allow them to take these points away but the American Express representative I spoke to ( XXXX XXXX ) was rude and informed me they would not send the requested items to me without a Subpoena. 

I hoping I can recoup the points I earned with American Express over the years without expending legal costs.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from Chase, stating that all accounts of our family : checking/saving accounts for me, my wife, and XXXX kids, plus associated credit cards and safety deposit boxes, would be closed on XX/XX/XXXX. The reason given in the letter : " because of unexpected activity on this or another Chase account ''. That is absolutely incorrect! We have no " unexpected activity '' whatsoever during the past 17 years banking with Chase. I called Chase customer service. The agent was sympathetic but could not offer any further explanation. This kind of sudden closure without any alert, inquiry or specific reason is not only shocking, but it has created lots of hassles for payments of family expenditures, linked utilities, and other payments. Particularly the letter for the safety deposit box said " if you don't pick up the contents by XX/XX/XXXX, we'll send them to the state as abandoned property, or auction them ''. What kind of bully notice is this?! What if we were traveling and did not receive the letter in time? I am sure we are not alone. How Chase treat their customers is unprofessional, disgusting and frustrating! We demand a solution for this issue and reinstatement of our accounts.
Product: Credit reporting or other personal consumer reports

I had previously submitted complaint XXXX regarding the issue with Experian I will start with the situation initially experienced and expand on the " response from the company '' which has still left me with no way to access my Experian credit file. 

-I have been a victim of identity theft since XX/XX/XXXX, I had notified and frozen my report with all 3 bureaus on this date -Since then there were numerous attempts but none successful to fraudulently apply for loans, credit cards, and payday loans for the past 18 months with over 175 applications -I had maintained these freezes and never willingly unfroze my credit with any bureaus, and was alarmed with what I'd heard from Experian on XX/XX/XXXX. 
-On XX/XX/XXXX, I received an email from Experian that my information was changed in their database, I did not request any of those changes be made. I called them the same day and requested the file be frozen as I faxed and mailed my information in which I did that same day. They promised me on a recorded line that the file would remain frozen until I got the PIN # in the mail to my address on file. 
-On XX/XX/XXXX I received an email that my file was thawed until XX/XX/XXXX, there were XXXX inquiries that hit my report from XXXX XXXX and XXXX XXXX that were both fraudulent. On XX/XX/XXXX I called Experian again to try and regain access to my file and online portal, they were able to get me into the account last night around XXXX. I felt like everything was good I added 2 factor authentication and a security PIN to the account. On XX/XX/XXXX I logged back into the portal to verify my credentials were valid and immediately saw they were reverted back to the fraudulent email that had been flagged for them before. I asked if they could get me back into the account and add any security measures they then proceeded to transfer me to 4 different departments before hanging up on me. They told me the only way they could protect me is if I did a paid membership with them to protect my credit which I have little to no confidence in given the 19 hour turnaround to get me removed from my own file/account again. 
-Since then I have received a call from Experian that they were looking at clearing out the fraudulent email and helping me set up a new account so I could actually manage my file with them. 
-The representative I had been working out had reached out 3 times and each time I was unable to get a new account created. This began in XXXX and as of today XX/XX/XXXX I still do not have a login to the website and have not heard from a representative in months. 

Please help me Experian is once again ignoring this problem and their consumers and I just need it to end. I just want to be able to manage my credit file and Experian seems XXXX  on preventing that.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( XXXX ) pulled my credit report without permission. I did not apply for any loan with them or fill out any applications. I called and they said they can not help me and to call Experian. I called Experian and they said they can not remove inquiries and to call XXXX XXXX. So there is nothing I can do except go online and tell everyone not to use XXXX XXXX and not to subscribe to Experian as there is an endless loop there with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

phoenix financial services resubmitted a old account as new from XXXX which is about to fall off on all three of my credit reports with a date of XX/XX/XXXX this is old and should be taken off.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system set up with XXXX. My payment was scheduled and authorized on time, but due to a glitch in the system, it was not processed until after the due date. This error was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statement showing the payment was initiated on time. 
Correspondence from XXXX acknowledging the issue with their payment processing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me 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: Money transfer, virtual currency, or money service

On XX/XX/year> I used XXXX XXXX  CashApp to send my friend in XXXX  {$150.00} as reimbursement for my share of the hotel room for a trip. The CashApp customer service sent me an email a day later expressing that they were closing my account due to violation of terms of service. They then took the money I sent from my friend 's account but did not return it to my account. I have reached out to them via email, online support, and phone call. No one has been able to provide any insight to where my money is. This is the last communication I got from their customer service team. 
" XXXX XXXX, Thank you for your patience here. Based on the information you provided, it appears that you have engaged in a transaction ( s ) that violates our General Terms of Service.

While we value you as a Cash App customer, we must hold the funds associated with the prohibited activity in order to comply with XXXX laws regarding economic sanctions. We apologize for any inconvenience this decision may cause. This decision is final.

Additionally, we must deactivate your account.

To cash out to your linked bank account or debit card : Tap the Banking tab on your Cash App home screen Press Cash Out Choose an amount and select your deposit speed Confirm with your PIN or Touch ID For more information about cash outs, visit our Support Center. 
We apologize for any inconvenience this decision may cause. 
Thank you, XXXX Cash App Compliance '' Since receiving this message, I have attempted to get a resolution 9 times, each time, I've been given vague answers or no response at all. When I call, I get hung up on when they realize the reason for my call.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the re-insertion of my dispute an inaccurate charge that the debt doesnt belong to me. 

Despite my previous correspondence, I have not received a satisfactory resolution regarding this matter. I wasnt informed or have any knowledge of the reinsertion of this account upon checking my credit report I noticed it was added back to credit report.By law you have 5 days to send notice out before reinsertion an I have received any noticed about reinsertion of this account. 

In compliance with the Fair Credit Reporting Act, section 605 and section 611 I am requesting that you reinvestigate this matter and provide me with the results of your investigation. Should your findings support my claim, I kindly ask that you reinsert the disputed information in your records. 

Enclosed are copies of previous correspondence, statements, or other evidence I believe this information supports my position and will aid in the resolution of this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to my dispute. Please feel free to contact me at the above information if you need any further information. 

Sincerely, XXXX XXXX
Product: Mortgage

We paid off the loan on XXXX XXXX with Shellpoint Mortgage. My husband called to get instructions on how to pay off the loan and get the title and XXXX release that we need for our single wide trailer. After paying it off, my husband called XX/XX/XXXX or XX/XX/XXXX about getting the title and the lien release that we need. We have not received anything for this paid off loan. My husband called again sometime in XXXX, again we still have no documents. I called XX/XX/2020 about getting the lien release and title, the customer service rep told me that that should have already went out. She put in the request and I will have it within a normal mailing period. I called again on XX/XX/2020 to get an update about where the title and lien release was, the customer service rep said that I will need to send my request in an email. When I told her that I know I am suppose to have a lien release in 30 to 60 days, and it has been all of that plus more. She then told me that they can only provide a statement saying that the loan is paid off, not a lien release. XXXX Not sure how that works, when the lien holder has to provide a lien release showing the DMV that the lien has been paid off XXXX. She emailed the statement to my husband. I emailed my request on XX/XX/XXXX also, and still have no response or documents that I have request. The only thing we received was a letter in the mail on XX/XX/2020 saying that they are working on our request. Which I'm guessing was the email that I sent requesting an update for where the title and lien release is.
Product: Consumer Loan

My leased vehicle was involved in an accident and insurance company stated it was a total loss. The accident occurred within one week of turning in the vehicle at the end of the lease. The insurance company paid the finance company {$20000.00}. for the loss however per the lease agreement the payoff of the vehicle is {$19000.00}. It was explained to me that the finance company would refund the overage of payment however I was only refunded the last months payment, {$310.00}. When I contacted the finance company about the refund of the difference I was told that since they are the owner of the vehicle they get to keep any overage. I exclaimed that since the accident happened at the end of the lease I should have had the option to purchase the vehicle at the agreed price in the contract or the difference should have been refunded to me. Attached is the original lease agreement that should the predetermined purchase price and the insurance documents that shows the payout amount.
Product: Credit card

I misplaced my credit card during my move from XXXX  to XXXX. After I couldn't locate it as a precaution I reported it lost, updated my new address on their website and requested a new card. The outdated website doesn't give you options to control the card i.e lock the card if you misplace it. 

I filed an original complaint regarding this company reporting my balance to the credit reporting agencies before my payment was due causing a credit hit of over XXXX points. I spoke with a supervisor at this company and also express my concerns. 

On XX/XX/XXXX, I contacted Milestone MasterCard regarding the card I requested, I was told it was sent and then stopped on XX/XX/XXXX due to suspicious activity, how ironic this happens right after I filed a complaint because the company incorrectly reported me. There was no activity on the card because I hadn't used it and I didn't dispute any charges. I believed I used the card after I moved to XXXX XXXX  and was never sent any communication saying we think something suspicious is going on with your card or it was never blocked. 

I was told that I need to send proof of identity, I just spoke to a supervisor, regarding the reporting issue..updated my new address with the gentleman and agent that transferred my call and neither XXXX mentioned this. I was told I need to send an ID which takes XXXX days and then another XXXX  days to get a new card ... an entire XXXX  days. 

I made a payment on XX/XX/XXXX iao XXXX, which they accepted from my account in my name ( which is my regular payment due date not prior to the XXXX which is what was reported to my credit report. ) I viewed my statement, there is no available credit only a balance showing due. That's suspicious behavior because none of this has been sent to me in writing. Nothing to the previous address because I have the mailed forwarded or my new address It's seems like retaliation because all of this happened right after I filed the complaint about the incorrect reporting.
Product: Student loan

Ive tried contacting in XXXX of this year XXXX  XXXX XXXX XXXX XXXX  and collections agency National credit management but they offered no help with payments or lowering collection fees of XXXX nor were open to pause in interest at 5 %. Ive tried explaining how with my transcript locked due to this dent Im unable to finish school and therefore get a job thatll pay me enough to pay debt as well but they still offered no help.