23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to a loan servicing company known as LoanCare. I called them on XX/XX/XXXX when I noticed that the property taxes due XX/XX/XXXX had not been paid, and was assured they would be paid on time. I noticed on my county website in early XX/XX/XXXX that they still had not been paid and called the company. They told me to send an email, which I did. I then received a delinquency notice from my county treasurer last week, indicating that they had not been paid. I emailed the company again, since I had received no response. That was on Monday and I still have no response. I called the company tonight and been on hold with their customer service line for an hour. 

My escrow balance is far in excess of the taxes that are due, by the way.
Product: Checking or savings account

Chase allegedly deposited a " Government Stimulus Chase 30 day Overdraft Assistance Credit, '' without notice or a promissory to repay. 
My stimulus money and paycheck both were deposited XX/XX/XXXX, and Chase allegedly still processed this " credit '' to my account the XXXX. 
I received a letter XX/XX/2021 dated XX/XX/2021 notifying me about the " credit '' and that it would be debited on XX/XX/2021. 
Problem is- Chase reorders transactions and adjusts account balances so the " credit '' wasn't initially visible to me on the date it is now published. I had no change to my account balance and to date can not tell if the funds were ever received. 
There's a process banks can do that " hold '' funds. The transaction appears listed in real-time, yet isn't real and can be released back into the account or to the " holder '' by a given date or authorization ... .In my case Chase is the holder- I didn't ask for or need this " credit, '' and now they are about to debit over {$1600.00} from my checking account.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX, and XXXXXXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX. Please delete these fraudulent accounts ASAP.
Product: Credit reporting or other personal consumer reports

I am requesting all documents used in the investigation along with signature on any documents proving that the debt belongs to me. Each time I request these documents they continue to write saying it is verified and accurate. The is my last request and I don't receive them I will take legal actions for all the violations. The bank did there investigation and said that the social security number didn't match but then left it on my report confirming its accurate.

Under the FCRA 15 U.S.C 1681g I have all the right to demand that you disclose to me all of the documents use. Send me copies. Under FCRA 15 USC 1681i all unverified accounts must be promptly deleted.
Product: Credit reporting or other personal consumer reports

I woke up this morning and I saw some inaccurate accounts on my credit report. I don't have any idea why this showed up on my credit report.
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 Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX  Account XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Debt collection

I became XXXX and unable to work due to my XXXX XXXX XXXX after serving 23 years as an XXXX. I received compensation from Social Security XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   XXXX ( XXXX ). The income is tax free and under most cases not subject to normal garnishment. However, since XXXX ( XXXX XXXX XXXX /XXXX/XXXX XXXX ) do business on XXXX XXXX around the world by XXXX XXXX   they claim that unpaid debt to the XXXX XXXX Credit Card is secured by the Treasury Offset Program. TOP allows any unpaid debt to be paid from Federal Tax Refunds. 

I attempted to contact TSI by phone to determine if my XXXX tax refund was to be garnished. The person had no information about the COVID-19 exemption and stated that my last garnishment from my Social Security XXXX was made in XX/XX/XXXX in the amount of {$220.00} that started in XX/XX/XXXX. I had made 5 payments totaling {$1100.00}. Then my XXXX tax refund of {$1800.00} was garnished as well. {$2900.00} has been collected by TSI and my offer to settle the debt for the money already received {$2900.00} was denied and a counter offer of {$4000.00} was made. I told the person to get bent and that I would not pay anymore.
Product: Debt collection

I was notified by a collection account United Holding Group by a they made to my wife I requested that all communication be made via U.S mail and that any phone called would be recorded sense they threaten sue me and put lien on my home, i ask them to forward any paperwork to that showed i owed them money or had a debt with them, they could not show me any thing and didn't supply me with the paperwork i requested. now after almost sense months later they have team up with another collection company never giving copies of the debt they are trying to collect on and threatening legal action with a company called persolve legal group with have a tendency to file lots a law suits to try get a judgement against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXX Balance : {$430.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

In XXXX of 2023 I had a hacker or unauthorized person access my account. These people were buying and selling XXXX  and XXXX. I noticed a couple of day late and reached out to Robinhood to resolve this issue. They were no help and denied wrong doing. What the unauthorized user did was do a bunch of large instant deposits and purchased mainly XXXX and withdrew it into other XXXX XXXX  without the funds ever clearing which made my account go into a deficit. The amount is close to {$36000.00}. I reached out to Robinhood and it took time for them to lock my account. Worst part is they locked ME out of MY account, the actual owner and allowed the people to continue to do unauthorized transactions. I have only deposited money into this account never withdrew a dime. There was close to XXXX transactions within a week period. I have emails to back this up. Stating I am not the one doing these transactions and I cant stop it because you locked me out. I asked to speak to a manager or supervisor who is from the United States as everyone I talked to had trouble with the language and I kept getting denied or ignored. In some cases they literally copy and pasted the same responds, didnt even have the decency to change a single word which really showed me how much they didnt care and were trying to make it go away. A couple of times they said they escalated it and would reach back out and never did I had to do a new claim several times. How can you lock me out but have other people still in there doing false transactions then keep saying there was no issue with my account and it was me and clearly it was not. Not sure how people got into my account but once I noticed and told them they allowed them to keep doing transactions which makes them at fault as well as having to protect my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose payments are not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint due to some fraudulent addresses on my credit file and I never received a proper response from any of the credit bureaus, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, please delete any other address. 
these addresses are fraudulent, please delete them : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH 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, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I requested contract validation from the following companies : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX US DEPT OF eDUCATION/XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX. This is the 3rd time I have complained about this issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

Venmo has stolen XXXX from me since XX/XX/2020 my account has been frozen i have waited the 180 day waiting period no luck all they say is my account Is permanently Deactivated but they dont talk about how im going to receive my funds please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Inquiry : XX/XX/2024 + Auto Financing ( XXXX ) XXXX XXXX XXXX VIA DEALER Inquiry : XX/XX/2024 + Auto Financing STELLANTIS FINANCIAL Inquiry : XX/XX/2024 + Auto Financing ( XXXX ) XXXX ALLY FINANCIAL Inquiry : XX/XX/2024 + Auto Financing ( XXXX ) XXXX XXXX XXXX REAL EST Inquiry : XX/XX/2024 + Automobile Dealers, New ( XXXX ) XXXX CAPITAL XXXX BANK XXXX XXXX : XXXX. XXXX, 2024 + All Banks XXXX XXXX CRED Inquiry : XXXX. XXXX, 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

There continues to be inaccurate information showing up on my Experian credit report related to ALL 4 of my  XXXX  student loans in XX/XX/2020, the report narrative lists that zero progress has been made towards paying off the loans ( despite payment history being accurate ) and also states that this lack of progress negatively impacts my score. 

I verified with XXXX  directly ( via phone & in writing ) that they provide specific data points to Experian which COULD be used to support a calculation of " progress '' but not the % figure itself, meaning it must be calculated by the bureau itself, see their response below : ***** XXXX Department of Education  XXXX XXXX currently services your three Direct Stafford Loans and one Direct Graduate PLUS Loan. We report student loans individually to the consumer reporting agencies. This reporting is consistent with industry standards. If you have an account with multiple loans, youll see each loan reported with its own tradeline. Simply put, a tradeline is a descriptive summary of a particular loans history and status. 
Tradeline information can include : Name of the company reporting the account Account open date Account status ( open, closed, past due, etc. ) Balance owed Payment history Narratives We report student loans as installment loans to the consumer reporting agencies in accordance with industry standards. The standard for reporting the original loan amount/highest credit information is to report the original loan amount which is the total of all loan disbursements. We do not report a credit limit. 
Questions about specific factors impacting your credit score should be directed to the consumer reporting agency from whom you obtained the score. We do not produce credit scores. Credit scoring methods are proprietary to the companies that produce them. 
**** My problem is as follows : Experian dispute process is highly inflexible and not customer friendly, because of a past ( valid ) dispute related to my student loans I can not open a new dispute file only append new evidence to an existing dispute ( completed week beginning XX/XX/20 ). However I have received NO confirmation of receipt of my submission and no new status / communication is evident via my online account. 
Further despite >10 attempts it appears impossible to connect with a human being via their IVR system if you are a not a paid monthly subscriber to their credit watch services ( which seems like a situation which must breach multiple rules RE transparent reporting ). As a result I have no way of verifying whether Experian is looking into this issue to correct, the same applies to 2 hard inquiries showing up on my report that have expired ( based on 2 year rule ) but are still showing on my XX/XX/2020 report. 

I would appreciate any help with a ) solving these specific reporting issues, and b ) any more general feedback that can be provided to Experian that an improvement to their customer service accessibility is sorely needed. These sorts of barriers to access to specific credit information are really unacceptable. 

Thank you
Product: Credit card

I paid off and closed account with Victoria Secrets. The Comenity bank continued to send me bills in the amounts of {$6.00}... I called the bank and confirmed that the account was closed and asked why do they continue to send me bills, but they continued to send me bills. So now they have charged off an account in my name in the amount of XXXX on XX/XX/XXXX. I was communicating with them about the account between XX/XX/XXXX - XX/XX/XXXX to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
Please remove the following accounts : XXXX XXXX XXXX XXXX... Balance : {$2400.00} XXXX XXXX XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. XXXX shows XX/XX/XXXX, and XXXX has XX/XX/XXXX and Experian HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : DEPTEDXXXX Account # XXXX Account Name : US DEPT ED Account # : XXXX
Product: Credit reporting or other personal consumer reports

I seen an account by XXXX XXXX that is in violationof my rights also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a medical collection that does not belong to me on my credit profile with XXXX XXXX the collection agency, Experian, XXXX and XXXX in the amount of {$1200.00} starting XX/XX/22. They claimed it was opened on XX/XX/22 but was not reported on my credit report until XX/XX/22. I have sent a dispute letter to XXXX, XXXX, XXXX and Experian. I have not received anything from XXXX as to whether this collection actually belongs to me and they have added this to my credit reports with a commercial address. In fact, XXXX removed it from my credit report, XXXX removed it from my credit report and added it again 1 week later without any notice of the investigation process. 

Experian has verified it as accurate today, XX/XX/22. There is no way that Experian actually investigated this because had they did their investigation they would see that I don't live in a commercial building and I supplied proof of my residence with my drivers license. How can Experian say that it meets requirement of the Fair Credit Reporting Act when they clearly haven't done an investigation. Who did they verify this information with? I would like proof of where they confirmed this information showing the medical procedures and proof of my signature. I do not want it added back to my credit reports now that I have pointed out the mistake. I hear that Experian is being sued for allowing commercial addresses to be reported to consumers profile and it looks like I may be a victim of this. I would like this deleted from my XXXX and Experian credit profiles.
Product: Credit reporting 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX