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

I have disputed the late payments on this XXXX XXXX XXXX XXXX And XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home. 


" I have disputed this charge off on XXXX XXXX for months. XXXX  and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of  the Fair Credit Reporting Act. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MULTIPLE CREDIT INQUIRIES ON MY REPORTS IN WHICH I DO NOT RECOGNIZE! THEY NEED TO BE DELETED IMMIDIATELY!
Product: Mortgage

On XX/XX/2020 I began a refinance loan application and process thru T2 Financial dba Revolution Mortgage. I had obtained a home loan to purchase my home the year prior with ease and was looking to refinance with rates dropping so low. 

I was dealing with XXXX XXXX as a loan officer. Everything seemed to be going along well albeit it was taking a long time 60+ days. When we got to the point of scheduling a close date, I was then dealing with not only XXXX XXXX, but another person, XXXX XXXX. They then began to make the process complicated and difficult ; first by having me have to deal with 2 separate people, but then began demanding more and more information after I was already approved for closing and they had already requested multiple payoff statements from my current lender ( to which I was charged each request for a total of {$50.00} ). They even contacted the title company about closing, only to then delay the process by continually asking for more information, even after I provided it. They would claim it wasn't detailed enough or anything they could to delay my closing. 

In my opinion, especially after dealing with multiple home loans in my life, this company never intended to close and was making things more and more difficult, including cancelling my loan without my implicit request to do so, just to get me to walk away so that they didn't have to deny me outright. 

I have demanded that they reimburse me for my incurred fees due to their incompetence and that they remove their credit inquiry from my near perfect credit score so I can go with a more reputable and competent company. I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items with each credit agencies snd the information still remove two accounts on my report should be removed because it was requested by both companies to be removed XXXX and XXXX  REQUESTED TWO FILES BE REMOVED YET XXXX  EQUIFAX AND XXXX  ARE NOT ABIDING THIS IS ONGOING AND MY SCORE IS NOT BEING RAISE CORRECTLY I am at a point to seek counsel because for years I have kept record of the mis information XXXX DELETED ASAP XXXX DELETED ASAP THEY ARE NO BALANCES ON THOSE ACCOUNT
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im trying to have inaccurate inquiries removed from my report and please dont place any fraud alert im in the middlle of buying a home. I also see that having a fraud alert dosent help. Please remove these all in basically back to back. its several i want tem all removed without a fraud alert XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX   XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, TRANSUNION. XXXX 2 times, XXXX 2 times, XXXX XXXX please i didnt apply for these Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DIPSUTED DOES NOT BELONG TO ME. PLEASE HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is an accurate, the date last active is an accurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the account completely from my Credit Report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The item I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed item. 
XXXX XXXXXXXX XXXXXX/XX/2021
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. I did not authorize any of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 tollowing 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: Credit reporting or other personal consumer reports

As of XX/XX/year>, Early Warning Services contends that they are not required to freeze or opt-out any of their services, consumer reports, database entries, or other information held on individual consumers. They claim that, as a specialty consumer agency, they are not required to offer freezes. This insecure process guarantees that those affected by identity theft have no ability to control their EWS reports, nor any method of controlling the usage of that information. In an era of targeted cyberattacks against financial databases, this lack of security is appalling. EWS is not somehow special in their methods of collecting and furnishing aggregated financial and consumer information in repots- they are indistinguishable from other CRAs, and should not continue to operate without adequate regulation.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a free annual credit report via XXXX, but I could not get one from any of those three companies. I called transunion and they said when they were reported, one digit of the social security number was reported incorrectly and I should send my social security card to resolve the issue. I sent it last week, but I am still not able to access it online. I tried to get it via phone call, but it keeps getting hung up at the last step.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Acct. # XXXX is OBSOLETE. 

Delete this account IMMEDIATELY.
Product: Credit card or prepaid card

I opened an account with the Netspend Corporation on or around XX/XX/XXXX so I could receive the CARES Act payment of {$1200.00}. I am homeless and I use my Mom 's home address and email address. The payment was scheduled and transmitted on XX/XX/XXXX. The Netspend Corporation accepted my deposit in account R/T ( Routing ) Number : XXXX Account Number : XXXX. I made a few purchases and a cash withdrawal. On XX/XX/XXXX the Netspend Corporation locked my account with a balance of {$740.00}. I received an email stating that " There may be a problem with your All-Access account. Please call XXXX before using your card. '' I called the number and copies of my ID and Social Security Card were requested by email or fax, I complied on XX/XX/XXXX via email Reference ID : XXXX. On XX/XX/XXXX I received an email stating that my account was closed. I have called numerous times and have emailed all the requested documentation. This company closed my account at first claiming fraudulent activity, then on XX/XX/XXXX claimed the remaining could not be sent because the IRS is requesting it to hold the funds for its investigation. " at the current moment we can not mail you out a check for the {$740.00} because your funds are currently being reviewed by the IRS. What this means is that we have notified the IRS that your account is closed and they are going to decide if the funds will be sent back to them or issued back to you. Do keep in mind with the events that are going on right now this may take some time for us to receive a response. '' I have included all the emails for your convenience. I now know this company has a history of this type of activity. The IRS has not notified me of an audit and there are no back taxes owed. So the Netspend Corporation is lying about IRS investigation. A complaint was also filed with the FTC. This seems to be a pattern with this company dating back to XXXX. I would appreciate your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account appearing on my credit report as a Charge Off with a balance of {$1200.00} and or any updated balance is inaccurate and incorrect. The XXXX XXXX account wassettled withRadius Global Solutions. The account balance is reported inaccuratelyand isincorrect. The balance should be XXXX. XXXX failed to provide documentation concerning the accuracy being disputed. XXXX is in direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
Product: Credit card

I was recently charged ~ ( 40 days ago ) an increased annual fee of {$550.00} by American Express, The provided benefits for the XXXX card recently changed so I have been planning to cancel this card during the year. I chatted with Amex to cancel my card and receive a refund, but they told me I was 8 days past the 30 day cancelation period so I could not get a refund. They notated in the chat that I could cancel this card and go to another card when would get me a prorated refund of around {$480.00}, but I was not happy with this decision, and I wanted to cancel with a full refund. The next day I tried to chat again, but the connection did not go through. I called the next day and spoke with customer service to move my available credit over and cancel the card expecting to get the prorated refund, but right after the account was canceled, I asked the representative where my prorated refund was. She responded telling me since I asked to cancel, I would get not refund. This was not what I intended to happen so I told her immediately this was not what I wanted ; I wanted the prorated amount of ~ {$480.00}. When I requested to cancel over the phone, she never educated me on the facts that I would forfeit all of my {$550.00}, not get any prorated refund, and lose all of my card benefits for the remaining XXXX months. To be clear, this phone call took place quickly since I was on my lunch break, and my intent all along was to get the prorated refund. I explained this repeatedly to the same representative immediately who just canceled my account, but she said not XXXX seconds after the cancelation, there was nothing she could do. I am now only about 40 days out from when I was billed {$550.00}, and I have nothing to show for it and received none of my money back. I explained again that I meant to do whatever would get me the prorated refund, but she said she couldn't help me. I have tried speaking with many different customer service reps and supervisors, but none have been able to help me even though they realize that I didn't mean to cancel. The customer service representative should have educated me on the advantages and disadvantages of canceling especially right after I paid {$550.00} 40 days prior ; if this had happened, I would have caught the miscommunication and mistake, and made sure the card was downgraded instead of canceled. American Express knows through my multiple phone calls that this was not what I meant to do, and they refused to help me in any way make this right. I paid {$550.00} for the Amex XXXX, and I have absolutely nothing in return and no help from Amex even though they know this was an honest mistake which wouldn't have happened if I had been properly educated before the cancelation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third party rep. I have a legal right to dispute items on my report. Going over my credit report and notice some accounts does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. Here are the accounts : -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 -SXXXX XXXX XXXX # XXXX -XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an unauthorized credit enquiry by XXXX XXXX  on XX/XX/22 on my credit report. please investigate and remove this enquiry because it was done washout my consent, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. XXXX and Trans-union have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with XXXX and Trans-union but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. XXXX  stated they verified bankruptcy with XXXX XXXX but my XXXX XXXX file has an security freeze which prohibit anyone from viewing my report. XXXX  and Trans Union are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US BankRuptcy  courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. Also Address with Bankruptcy court is not my current address. this is unverifiable. The Credit bureaus are in complete violation of Fair Credit Reporting Act. 
Im Attaching copy of XXXX XXXX statement below.
Product: Mortgage

I have had my mortgage with Nationstar since XX/XX/XXXX. My ORIGINAL Loan Documents and Escrow Agreement designated Property Taxes only. Twice since I took this loan out, I was given notice of forced placed insurance when I had provided SEVERAL times proof of current homeowners insurance. Each time I was told that the problem had been corrected. 

Today, XXXX XXXX, I noticed that my escrow account was shorted {$530.00} on XXXX to pay my Homeowners Insurance. I never authorized this and my homeowner 's policy for XXXX was PAID IN FULL BY ME ON XXXX XXXX. I contacted Nationstar to ask them why they suddenly began deducting money and they had no answer. This not only breaches my loan agreement but shorts my escrow account by XXXX which will now INCREASE MY PAYMENTS. This is WRONG.
Product: Credit reporting or other personal consumer reports

I submitted a complaint against these Bureaus a month ago, yet the incorrect information on my report persists. To my surprise, I have not received any communication from the Bureaus, and they have already closed my complaint. Can you clarify why my complaint was closed without addressing the issue? Have they acknowledged or verified my dispute? I require confirmation that they have thoroughly investigated the inaccuracies on my report and validated the accounts. Additionally, could you provide information on the verification methods they employed? This situation is extremely frustrating, as it has been over 30 days since I filed the complaint, and I anticipated updates to these accounts by now. If they are not updated promptly, I will be compelled to consider legal action due to the significant stress this has caused. Furthermore, I am worried about the security of my personal data, especially in light of the Equifax, Experian, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these accounts distress my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I want you be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX