23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX, XXXX  every other week for the month of XXXXXXXX XXXX  thru XXXXXXXX XXXX, I was told Ten different answers regarding applying the {$1500.00} to my ESCROW account ; I was told several different answers each time I called, from it wasn't applied, I was short for my house payment, I sent the check to the wrong department, yes we have your house payment on automatic withdrawal from my Credit union account. We sent my Home Insurance Policy in ( 6 ) times, XXXX XXXX ( my insurance carrier ) sent the policy to you all four ( 4 ) times and we were told over and over again you all did not receive the policy. Three agent tried to really assist me and told me they would make the proper adjustment. Until Thursday, XX/XX/XXXX a young lady gave me a detailed explanation on my account. One young man was Intentionally RUDE. 

In addition, I'm on automatic withdrawal from my Bank account the XXXX of every month, however, you're not applying the funds until the XXXX of the month and charging me a late fee ; when it was your company that stated it's not late until after the XXXX of the month. So why am I being charged a late fee? 

Please be advised that my Insurance ( homeowners ) is on automatic withdrawal from my financial institution. I've told you all this since XXXX, XXXX 

Please leave my ESCROW and pay my taxes ; I will PAY MY HOMEOWNERS INSURANCE. The mental anguish I've gone thru for the last three months is CRAZY. I am a valued customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting 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 or other personal consumer reports

I've noticed unfamiliar items on my credit report that I did not authorize. It appears my identity may have been stolen, as I did not approve these accounts. I've raised this issue previously and am now requesting these accounts be promptly removed from my report. Their presence is causing significant stress as they do not reflect my true credit history or financial management. Dealing with this has been challenging. If we can not resolve this promptly, I am prepared to pursue legal action to protect my rights and seek a resolution. These inaccuracies on my credit report are a substantial concern, hindering my ability to achieve important financial goals such as purchasing a home and supporting my family. I sincerely hope we can address this matter expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted a credit application to US Bank to obtain a XXXX XXXX credit card. A credit inquiry was done and I was approved for the credit. On XX/XX/2018, I requested a credit line increase for the card and was advise by their rep. that they would consider the request and contact me soon with a decision. On XX/XX/XXXX, I reviewed my credit report and found that another credit inquiry had been executed by US Bank. This action was taken without my knowledge or consent. I would not have agreed to another hard inquiry on my credit report given that stays there for 2 years. 

On XX/XX/2018, I called the bank to complain and ask that the inquiry be removed. I was told by the rep. that the bank has the freedom to initiate a credit inquiry without a consumers consent if it so chooses. I stated that I believe this action violated my consumer rights and should not be allowed. 

To that end, I am filing this complaint in an effort to have this credit inquiry removed from all my credit reports. Your attention to this matter is appreciated.
Product: Debt collection

Debt is pass 7 years old. Contacted XXXX and it was remove due to the length of debt. However XXXX and XXXX has not.
Product: Credit reporting or other personal consumer reports

Complaint Description : I am filing this complaint against Equifax because they have not accurately reported my personal information on my credit report. This inaccurate reporting is affecting my credit score and overall financial standing. 

Incorrect Personal Information : The personal information that Equifax is reporting inaccurately includes address and employer. Specifically, the following details are incorrect : This is not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX This is not my employer XXXX XXXX XXXX Attempts to Resolve : I have attempted to resolve this issue by contacting Equifax through mail, but I have not received a satisfactory resolution or explanation for why my personal information has not been updated correctly.

I request an investigation into why these inaccuracies occurred and measures to ensure they do not happen again in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this with the credit bureaus and they will not remove these. I have filed a police report for identity theft. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I had XXXX. Due to my illness and delays of service by the US Postal Services, I was late making my XX/XX/2021 payment. 
I made XXXX payments in XX/XX/2021, and paid the account current, however the issuing company then said I was 60 days late, this is incorrect. 
My prior payment history was excellent, without any late payments before or since this one, isolated incident during the height of the XXXX XXXX pandemic and illness on my part and Postal Service Delays. 

I can not help these XXXX issues affected my XXXX time ability to not pay on time.
Product: Student loan

My student loan servicer is Navient. My student loans according to my credit reports have been transferred several times between XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Navient. 

Each of these transfers occurred during a 5-year bankruptcy and I need complete  detailed records from each transfer to be sure all payments were accounted for prior to, during, and after the transfers. 

The federal bankruptcy court trustee provided me with a list of 36 payments totaling over seven thousand dollars paid in XX/XX/XXXX & XX/XX/XXXX that I don't believe were credited to my student loans, because the balances never change. Details of these payments were sent to Navient three times. 

Navient appears to be having difficulties producing a simple list of all activity [ debits & credits ] on my two student loans. The Navient website is useless because it only contains the student loan balances with no payment history. My quarterly statements from Navient show no last payment dates or amounts. 

I need help obtaining a simple detailed account history of all charges and payments from loan inception to today. I have sent letters to Navient on XX/XX/XXXX, XX/XX/XXXX, and an email today XX/XX/XXXX to their advocate. 

Any help from the CFPB would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I have ; 3-4, fraudulent, accounts, on my, BUSINESS, profile, with ; Experian-credit-bureau. I have tried 2 resolve them, with, a 1st, round, of, dispute-resolutions. They, tell me ; these accounts, are, verified. They, are NOT, mine! It is fraud, by, some, imposter. And ; the report, does-not, list, any, contact info. No ; merchant names, no, addresses, etc. so ; I cant even fight-it ; and, Iam the customer & business, owner. I dont know ; who 2 call, or, contact, abt it? & ; these accounts ; are abt 2yrs old, now. I just found out, a few months ago ; when, denied credit, by my, business-bank? Plz let me know ; where, 2 go, from, here? XXXX.
Product: Credit card or prepaid card

I contacted Chase credit card services in early XXXX to dispute two charges made on XX/XX/2019 for XXXX because the service that I signed up for was not being provided. Chase provided a temporary credit for these charges and on XX/XX/2019 at the Chase representative 's request, I faxed in documentation ( with the case number ) as proof that I was being denied/not receiving the service. I waited for an update from Chase and never received one. When I noticed that the charges reappeared on my statement, I again contacted Chase and was told it was because I never submitted any documentation ( which was not true, the fax confirm sheet is attached ). I was told to reopen the case by again faxing in a new letter and documentation which I did in early XXXX XXXX. I also loaded it to Chase 's Secure Messaging system, not trusting their fax processors. In spite of my providing documentation/proof that I was not receiving the service that I paid for, Chase told me that it was siding with the merchant because the merchant told them they would be willing to provide me with the service and doesn't provide refunds. I am not receiving the service that I paid for and now Chase ( XXXX, a supervisor I spoke to on XX/XX/19 ) is telling me it is too late to to do anything about it because it is outside of Visa 's 118 day dispute time limit. Chase repeatedly dropped the ball throughout this process, never considered/processed my dispute or submitted documentation in a timely manner and is ultimately trying to stick me with these bad charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously reported my identity has been compromised inwhich affected my credit file with many unauthorized and unknown inquiries, that's obviously fraudulent. I'm therefore demanding that these inquiries be removed immediately from my credit file. 

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

My delinquent status shown by  XXXX   XXXX  is WRONG!. I owe them nothing!  XXXX   XXXX  has already re credited everything so they are incorrectly reporting my account as delinquent! Please change this! Please expunge any negative information regarding  XXXX   XXXX  on my credit report!     My social security is  XXXX  My full name is  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX   however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.
Product: Credit reporting or other personal consumer reports

Inaccuracies on my credit report, even after multiple dispute attempts. Despite my efforts, the information remains incorrect and continues to impact my credit profile negatively.

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) as follows : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is still being reported, violating the FCRAs requirement to remove such data after the legally allowed time frame.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus have not conducted a reasonable re-investigation of the disputed accounts or provided proof of their accuracy.

FCRA Section 1681e ( b ) ( Accuracy of Information ) By continuing to report inaccurate information, the credit bureaus have failed to ensure that my credit report reflects the maximum possible accuracy.

I request that the CFPB investigate these violations and ensure that the credit bureaus take corrective action to address these issues and bring my credit report into compliance with the FCRA.
Product: Checking or savings account

On the XXXX XXXX XXXX XXXX I went to withdraw my money an it said invalid card so I called the number on the card an it said a new card has been ordered an will arrive in XXXX  days but I never ordered an new card an direct expess will not let me in my account to fix it Ive sent them my valid id an birth certificate they sent me back emails say Ive been verified I call back an they say no do it again Ive been doing this for a XXXX  straight non stop because I need my money Im about to b homeless now because of this I have had XXXX XXXX an Im on XXXX an they r treating me like I did somthing wrong an r hold my money I have all the emails Ive sent an all they sent me to prove what they r doing please help Im trying to do my best but its getting worse Ive been to dmv got new id been to clerks office for new birth certificate an been to XXXX office non stop for this whole month without a XXXX  an done everything they asked XXXX times or more an still noting my name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the past month of XXXX, I applied to buy a home. I was surprised when the loan officer denied me due a negative account on my credit report from Experian. 

I disputed the account with Experian via certified mail XXXX. Back on XXXX, your institution was notified to relieved me of all responsibility regarding this account. This account belongs to my ex-spouse and as you can see in the court documents attached, I was supposed to be removed. I sent as a supporting document the Court Order including the translation. ( See attached ) I received the dispute results ad came as verified as accurate. Its funny that mentioned the report was updated. I sent the letter on XX/XX/XXXX and was received on XX/XX/XXXX. But the new report generated today XX/XX/XXXX said the account was updated on XX/XX/XXXX Does they really investigate the account? If so, why the dates showed they didnt. ( See attached ) I Also disputed the account with XXXX XXXX XXXX via certified mail # XXXX. The letter was received by the mentioned company on XX/XX/XXXX ( See attached ) As today, XX/XX/XXXX the company didnt respond. Under Fair Credit Reporting Act ( FCRA ), companies generally have 30 days to investigate the dispute. Failed to respond is a violation under the law. When I sent the dispute, they supposed to cease and desist any collection activities until they send me the results of the investigation. They didnt response my dispute, but they went ahead to verify the account with Experian which under the law is considered a collection activity which is another violation under the law. 

As you can see, there is a lot of violations involved here. Im demanding to remove the account # XXXX reported by XXXX XXXX XXXX from my credit report due the mentioned violations and because the account is not belong to me. 
See attached the letter copies of the letter sent to Experian and to XXXX XXXX XXXX and the Court Order.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft and am disputing several accounts and inquiries on my credit report that I did not authorize. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete all fraudulent accounts and inquiries listed below. 
XXXX Accounts : XXXX. XXXXXXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1300.00} Fraudulent Inquiries : XXXX. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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., 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 or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to remove all unauthorized items. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Disputed account information on XXXX accounts with Experian. Experian sent update indicating incorrect account will remain on report. They are required to report accurate, correct information, or else remove the account. I have disputed again, including documentation showing Experian updated saying incorrect information will remain. These accounts must be removed. Experian is violating the law by knowingly reporting incorrect information and refusing to change it or remove the account.
Product: Credit reporting or other personal consumer reports

My account is current. They reported that I was 30 days late for XXXX, XXXX, XXXX and XX/XX/year>. But their XXXX reporting isnt sent out till XXXX and my payment are current. This is an error needs to be fixed. My account should show it should never have shown 30 days late.