23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my continued concern and frustration regarding the unresolved issue of late open accounts. Despite our previous attempts and numerous communications, it is disappointing to note that this issue remains unresolved. 

We urge you to escalate this matter and allocate the necessary resources to expedite the correction of late open accounts. Additionally, we request transparent communication regarding the steps being taken to address this issue and prevent its recurrence in the future. 

Please consider this as a formal escalation of our concerns. We expect prompt action and a tangible resolution to be implemented without further delay. Failure to address this matter adequately may compel us to explore alternative options to ensure timely and efficient account openings. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$34000.00} ; XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX  XXXX Balance : {$430.00} ; XXXX XXXX  XXXX Balance : {$520.00}.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

This is concerning a Chase residential mortgage. As of XX/XX/XXXX, I owe {$1800.00} on the principal of my home mortgage after 30 years paying it down, with a monthly payment of {$320.00}, and with {$8.00} going towards interest payment. When I purchased the property, I put a down payment in excess of 20 %, thereby avoiding the required PMI and escrowing of property taxes. I have NEVER not paid my property taxes. Chase has NEVER paid property taxes on my behalf. 

On XX/XX/XXXX, Chase sent me a letter REQUIRING me to pay to them my property taxes for them to hold in escrow. Toward this end, they have therefore raised my monthly payment from {$320.00} to {$640.00}! 

I am not aware of any legal basis for Chase to be able to require this of me. I am asking your bureau to investigate this predatory practice. It's almost like they aren't making any interest on the remainder of my loan, and to make up for this " shortage, '' now want to make interest on the money they intend to hold for my property taxes, which for me are payable, in XXXX XXXX XXXX Florida, at my discretion and convenience, anytime from XXXX, XXXX through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # 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 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: Debt collection

Received a text from : XXXX ( XXXX ) XXXX Stating : This is Unifin a debt collector Contact us about ref # XXXX @ XXXX or XXXX XXXX XXXX ChargesMayApply Reply STOP to stop texts Believe this is an identify theft ploy using a legitimate company name in the guise of debt collection ( I do not have debt collections/ missed payments )
Product: Mortgage

Up until XX/XX/2018, I have always paid extra money for my monthly mortgage payment. The extra money would be credited towards principle reduction. In XX/XX/XXXX they made a change to this. They credited my extra payment towards the following months principle and interest. I called them to rectify and asked them not to use extra funds towards the next months payment instead use it to reduce my principal.

They did the same for XX/XX/XXXX and XX/XX/XXXX where my extra funds were used towards the following months payments and not towards principle reduction. 

the Company is Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX Mt. XXXX, NJ XXXX United States Lender NMLS ID : XXXX
Product: Debt collection

XXXX XXXX referred my account to a collections agency. I have contacted them multiple times asking for a copy of the contract I signed saying I would repay them for a free phone that was offered to us if we changed providers. I have no record of it and XXXX has been unwilling to provide a copy of the signed contract. This is now the second collections agency involved. The first one stopped after I asked them to validate the debt. They said they were no longer involved and used that as their excuse for not responding. XXXX, as a cell phone provided is not regulated by CFPB but their collections agency is. XXXX, and now RPM, can not provide evidence of a signed contract. They only offer was bill but that does not validate a agreement or contract, only an attempt to collect on that agreement. I have spent hours of wasted time on the phone with XXXX and got hung up on five times this morning in trying to contact RPM. I was going to pay them just to make this go away because of the amount of time and energy I have wasted trying to get the to prove I signed the contract. After the countless lost hours I want this debt eliminated, not just put to a different collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved and updated as soon as possible. 
XXXX XXXX XXXX late open XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander/XXXX Bank XXXX XXXX XXXX XXXX. I closed my checking account and line of credit account in person XX/XX/XXXX at the branch. 
and they are still negatively reporting this account to all credit bureaus. 

I then declared bankruptcy chapter XXXX, XX/XX/XXXX. I was ordered in federal bankruptcy court to pay back 100 % of all my debts through the bankruptcy court for the next XXXX years. Which I did. 
and completed repayment in XX/XX/XXXX. Santander/XXXX XXXX   was named in my bankruptcy and has been paid in full their {$1900.00} through the bankruptcy court. But they are still negatively reporting that I owe them {$1900.00}. Which I do not and their reporting needs completely removed from all my credit reports.
Product: Debt collection

a company by the name of BC SERVICES INC are reporting a Balance {$1800.00} I have NO CONTRACT with this debt that is being reported I have asked that this account be verified and proof sent to my address and I have not received anything
Product: Credit reporting or other personal consumer reports

I have submitted a list of fraudulent, identity theft related individual monetary charges that were on my own credit card accounts somehow, fraudulent charges that ARE NOT MINE, and have ALSO been completely DISMISSED in Massachusetts Courts over 16 months ago, and yet these fraudulent charges have not yet been overturned and removed from credit bureau reporting?? XXXX XXXX is still ruining my credit by reporting fraudulent identity theft related debt totals that are INCORRECT, and debts that were dismissed in court long ago?? These fraudulent individual charges need to be overturned, and the credit bureau reporting corrected, or removed entirely. The courts already ruled on this, and removal or correction of the incorrect debt totals, that is what IS REQUIRED to comply with XXXX and XXXX XXXX XXXX consumer protection laws. These accounts had thousands of dollars of fraudulent charges, ( see the long list of fraudulent charges in this package ) AND the debts were already charged off over XXXX years ago, PLUS the accounts and litigation have already been adjudicated and dismissed by the courts long ago. as of early XXXX  While the original accounts were originally mine, due identity theft and fraudulent charges, The debt " TOTALS '' are NOT correct. ALSO, as these accounts were already dismissed in court, and I was found NOT LIABLE for them. This incorrect info needs to be corrected or removed entirely, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Product: Mortgage

The agent, XXXX XXXX, in dealing with my refinance had greed and confirmed with me several times over, that if I came to closing with {$1700.00} on XXXX XXXX, 2016, I would be able to skip the XXXX XXXX, 2016 payment. I came to closing with the amount requested. I received a statement for the XXXX mortgage payment due. I was also told each time we spoke the conversation may be recorded. I spoke with a supervisor, XXXX to try to get this changed or compensation for this. I was told it was too bad because the loan was closed. I had counted on this {$1800.00} to make an imperative repair on my home. The work was done in XXXX and {$2000.00} due on XXXX XXXX. I would request Carrington postpone this payment to the end of the loan, in order to make good on the verbal agreement that XXXX XXXX made. It seems to me that since he is and inside loan officer, he should know, beyond a shadow of a doubt, when the first payment is due. As an agent of Carrington, the management should backup the verbal agreement made by this agent. I feel this is a customer service issue and financial bind I have been put in, is unreasonable. The extremely tight budget that I am on to make good on this debt for the critical repair on my home, is causing me extreme distress XXXX.
Product: Credit card or prepaid card

I called American Express and talked to an agent in XX/XX/XXXX concerning the upcoming membership fee of XXXX and under recommendation of the agent I downgraded my credit card to blue cash. Later I was hit a promotion credit reverse of XXXX XX/XX/XXXX. I called American Express right away and under the advice of another agent I closed my credit account with American Express. After that I was charged with {$40.00} late fee plus interest monthly. 
My point is I accepted the downgrade offer from an American Express agent and she did not tell me that if I downgrade it, the {$150.00} promotion credit will be charged back to me. Please note it does not make sense, the membership fee is {$95.00} and the credit reverse is {$150.00}. No one would pay {$150.00} to save XXXX membership fees. 
The above is the proof that the agent did not tell me about the {$150.00} promotion credit reverse. Since it is American Express agents fault, I should not be liable for the {$150.00} XXXX
Product: Credit reporting or other personal consumer reports

I find out new collection account from GENESIS CREDIT MANAGEMEN. Original name : XXXX XXXX XXXX. ( opened : XX/XX/2023 ) in my credit report with XXXX. I never had any deal with that company. First of all, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.
Product: Credit card or prepaid card

I had 4 credit card accounts with Capital One that got delinquent due to personal issues. When i got back on my feet I settled everyone one of those accounts under the agreement that they would be completely removed from my credit reports yet they still remain. I contacted then several times in the past to resolve this with no luck because i did n't get the agreement in writing from the CSR that assisted me and assured me they would remove all four accounts from my credit reports. 
here are the partial account numbers listed on the credit bureaus XXXX .... 
XXXX .... 
XXXX .... 
XXXX ....
Product: Money transfer, virtual currency, or money service

CFPB, I have a automated payment set up from my checking account to pay off my Amazon debt. I didnt expect my minimum payment to increase. I was charged for three late fees from XXXX, XXXX, XXXX and I didnt receive notification of them until XXXX. I would like to file a complaint because I never miss a bill payment and I didnt receive a notice from Amazon until I made contact with them by phone and received notification that they emailed me notification about my minimum payment increase from {$25.00} to {$27.00} I have been paying the minimum payment of {$25.00} for more then 36 months and I wasnt expecting for there to be a minimum payment increase or receive notification by email that my minimum payment increased from {$25.00} to {$27.00} after three months of my automated payment. I would like to file a complaint because I shouldve received notification about my late payments each month. 

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

TODAYS DATE:XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX . 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card

On XX/XX/2023, I received a notification from Citi Bank saying there were some suspicious charges on my Citi XXXX card. I promptly called them and locked the account. The charges were made in XXXX and I am in XXXX. I had possession of my card at the time of the fraud. 

XXXX charges were eventually re-embursed : One for XXXX at XXXX XXXX XXXX XXXX and another for XXXX} at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, but XXXX charge of XXXX for XXXX XXXX XXXX XXXX was still pending. The charge for XXXX has never been resolved despite multiple attempts to report the issue and multiple calls to the company. 

On XX/XX/XXXX I noticed that a the charge for XXXX at XXXX had changed from pending to approved I called XXXX to report the charge. At the end of my billing cycle, I saw that the charge was still on my account and listed as the full balance. I attempted to dispute the charge again via the mobile app but I was not able to see it in my dispute center. 

On XXXX XXXXXX/XX/XXXX I called Citi customer service to ask why this charge had never been handled, and the person I spoke with said she saw the dispute and was going to file a complaint saying this should have been resolved within XXXX days of the original report. She then referred me to the security center and told me to call on the next business day. 

Today, XX/XX/XXXX at XXXX am mountain time I contacted the security center and attempted again to report the fraud charges. The person I spoke with XXXX, said they had no record of the dispute for XXXX even though I had reported it through the mobile XXXX twice and and assured me that they were re-opening the case, but when I asked for proof of this, I received none. 

The original dispute was over a month ago and I have received no notification that my disputed charges are being investigated. Furthermore, my payment is due on XX/XX/XXXX and I have no indication from the company that they will resolve the issue so I feel I am being forced to pay for fraudulent charges to avoid late fees or interest fees.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX OF XXXX on XX/XX/XXXX under the account number XXXX,, a student loan account opened at DEPT OF XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX CONSUMER on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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  XX/XX/XXXX.