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

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX Balance Owed XXXX {$2400.00} DP OF EDUC XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOE/GLELSI XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

all the inquires below were the result of fraud and was not authorized by me and needs to be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THESES ACCOUNTS HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT. MY CREDIT HAS BEEN DAMAGED DUE TO THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Product: Debt collection

Balance paid in full XX/XX/2014 through XXXX XXXX XXXX. I also filed disputes with all XXXX credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I received a notice on my Equifax credit report on XX/XX/XXXX that there was a new item that was unfamiliar to me. I called XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), the debt collector and on XX/XX/XXXX received an email detailing the amount owed, the creditor, and an address for where the transaction took place. I tried to get more information to aid me in filing this report and a police report, but following ( with personal information struck out ) was all that was received. The amount is allegedly for an apartment application in XXXX XXXX, where I have never lived. 

[ MY NAME ] [ Address for apartment application ] Original Balance : {$55.00} Current Principal : {$55.00} Interest Due : {$0.00} Total Due : {$55.00} ORIGINAL CREDITOR : XXXX PLACED FOR COLLECTIONS ON : XX/XX/year>
Product: Debt collection

I am sure we owe no debt but we keep getting a call from XXXX and it was always an automated system caller. It never mentioned who we were and what it tried to reach out to. It always asked us to call back to a XXXX number which totally makes no sense.
Product: Credit card or prepaid card

I have requested that my HSBC Credit Card Acct. be closed over and over again however this bank is horrible and they refuse to comply. Its a simple request and shouldn't take an act of XXXX but obviously it does.
Product: Money transfer, virtual currency, or money service

I attempted to trade on Coinbase and put in money when the introduced Bitcoin Cash. The market for Bitcoin Cash was much much higher than in other markets, but I figured that since there was a bid and an ask that I could day trade it. I bought about 40000 dollars worth of bitcoin cash. Within 2 minutes, the market was frozen and I could not get out at the prices that were shown as the bid and the ask. They took the market down for a day, and when it was brought back up, I was forced to get out at a much lower price. I tried calling them, and stayed on the line for over an hour but no person answered. 

This was a deceptive market, and I am looking to pursue any legal remedies I may have. Feel free to contact me for more information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX, 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 states a consumer reporting agency can not furnish an account without my Written instructions.
Product: Credit reporting or other personal consumer reports

In XXXX i found out i had been a victim of identity theft. Now i have a few fraudulent items on my credit report.
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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Mortgage

I contacted Newrez who became the new mortgage company on several occasions ( XXXX XXXX ; XX/XX/XXXX, and XXXX ). I informed them that they used XXXX property taxes for my property that I purchased in XX/XX/XXXX as a basis to established my escrow. However, that property tax amount ( {$3600.00} ) was established with the previous owner, and XXXX property taxes are already paid. I sent the escrow department ( XXXX times ) a copy of my estimated property taxes for XXXX ( {$1200.00} ) I received from XXXX XXXX and they still have not adjusted my escrow. As a consequence of the estimated higher amount of property taxes, they are increasing my mortgage payments without proper cause starting XX/XX/XXXX. I have also spoken with XXXX persons that said that they would make the correction, but they have not made the correction to this date.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ATTACHED INQUIRY FROM XXXX HAS BEEN SUBMITTED TO EXPERIAN, TWICE, BY XXXX AND MYSELF TO BE REMOVED. IT'S STILL ON MY REPORT. 
EXPERIAN DID NOTHING TO HELP ME REMOVE, SAID IT WAS MY PROBLEM. I PAY THEM {$24.00} A MONTH TO USE THEIR CREDIT SERVICES AND GET HELP WITH PROBLEMS LIKE THIS. THEY LET ANYONE POST ANYTHING TO CREDIT REPORTS BUT HAVING IT TAKEN OFF IS A MAJOR, TIME CONSUMING ISSUE EVEN WITH LETTERS LIKE THAT ATTACHED, PROVING IT SHOULD BE REMOVED!!!
Product: Debt collection

1.XXXX  XXXX XXXX 2.CAPITAL ONE 3.XXXX XXXX XXXX  I did not authorize nor give my consent. please remove them immediately. thank you
Product: Mortgage

Our current Escrow balance is in the negative due to a clerical error made by XXXX XXXX  at the time of the mortgage closing. We found out through a process of requesting PMI removal through XXXX that no PMI had been purchased. This occurred even though we made our monthly mortgage payment, which included the PMI payment every month. After XXXX realized their error, they tried to recoup the money for nearly a year worth of PMI payments. I have included a bulleted timeline of the events that led up to our escrow being in the negative. 

XX/XX/XXXX, closed on Mortgage - initial escrow deposit {$2300.00} Made mortgage payments of {$1800.00} each month, including {$270.00} XX/XX/XXXX, refund check issued for surplus of {$3600.00} Called to verify the escrow refund and a service representative at XXXX XXXX  claimed the surplus was due to overestimation of taxes, and explained that the taxes would increase the following year. ( See copy of Escrow refund letter provided ) XX/XX/XXXX, we requested PMI removal, upon which XXXX discovered that there was no PMI policy for our mortgage. 
XXXX XXXX sent a letter asking for {$4100.00} to cover PMI from XX/XX/XXXX XX/XX/XXXX. Even though the year had passed and all payments had been made. 
In XXXX a payment of {$4100.00} was made by XXXX XXXX  from my escrow account to back purchase PMI To get clarification of the status of our mortgage payment and escrow we contacted our underwriting agent ( XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX, FL. XXXX, XXXX ) He was apologetic for the mistakes but claimed that nothing could be done until the Ameris merger had been completed at the end of XXXX. 
End of XXXX, XXXX new tax assessment was withdrawn from Escrow. Plunging the negative balance even further. 
As you can see, the initial error was XXXX never ordering PMI. The second error made was when the escrow refund was issued failing to recognize that PMI had never been ordered. The third error was made by trying to back purchase PMI to the escrow account. I know I am not in the mortgage business, but it does not take much more than common sense that insurance does not need to be purchased for something that has already passed. I paid my mortgage for 11 months, why would XXXX need to go back and purchase insurance on something that had already happened. XXXX should have taken the loss as acceptance of their error and purchased a new policy for future payments, not past payments. Now, because of such a snowball roll of errors, timed perfectly with tax payments, my escrow is severely in the negative, I can not afford to have my mortgage increased by a XXXX dollars a month because someone forgot to do their job. I did what I had to do ; now XXXX ( Ameris ) needs to own up to their error and make this right. I am looking for a fair resolution to this matter. I would like the escrow account to be brought back to a balance of ( XXXX ) which is what the account balance was prior to the {$4100.00} that was debited to cover back payments of PMI.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ive tried to call and explain and reason with all XXXX bureaus but they keep updating the incorrect information. Ive mailed XXXX, Experian, and XXXX XXXX dispute letters but havent received any letter or response by mail and its been well over 30 days. These agencies are in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. 

XXXX inaccurate accusations of late payments. This is a billing error. Please correct this error immediately. This is misleading/inaccurate information, especially according to 15 usc 1666 , 15 usc 1666b , 12 cfr 1026.13.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -CAPITAL ONE AUTO FINANCE # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit card

Citi band charge me XXXX XXXX I am not responsible for the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. XXXX is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a joint owner of a XXXX loan with my soon to be ex-wife. Prior to our separation, my wife unilaterally, and without my knowledge and consent, put our home mortgage and XXXX loan into forbearance using the CARES Act. On XX/XX/XXXX, my wife went into a local XXXX bank branch and changed the contact information associated with the XXXX loan, which removed my contact information, and changed all contact information to include only herself, for phone, email and an address located out of state. Since that time, she has unilaterally modified and continued the forbearance, and eventually agreed to a repayment plan once the forbearance period ended. I at no time was present or a participant in any of these decisions, nor was I notified by XXXX that these actions occurred. 

I found out in XX/XX/XXXX after getting an alert from my credit reporting agency that my credit score had dropped nearly XXXX points, that the terms of the repayment plan had not been met for the months of XXXX and XX/XX/XXXX, making my account XXXX past due. I immediately paid the past due balance and notified the bank of the issue. XXXX confirmed that I have never had a late or missing payment in my history of business with them and I also have no other accounts on my credit report showing any missed or late payments in my entire history. I officially disputed the missed payments through the proper XXXX process and was denied. 

At no point did XXXX contact me via phone, email, or traditional mail to alert me that I was my forbearance ended, that I was missing a payment or that they were trying to collect a debt. Because of the 60 day late payment reporting on my credit report, I am now unable to refinance my family home, where me and my two children live, and which I have agreed to do according to the terms of my divorce agreement. I am told by my mortgage broker that I have to wait a year until I can refinance based on this reported delinquency, which because of the terms of my divorce agreement, will require me to sell my home in the next two months.
Product: Mortgage

I am in a short sale. XXXX is the XXXX, and XXXX is the XXXX, being serviced by NCI ( Nationwide Credit ). XXXX is allowing a payout of 10 % of the purchase price to the XXXX, and not only is NCI demanding 20 %, they are saying that the value as determined by XXXX is too low and they are trying to make my agent COUNTER the XXXX back to RAISE the offer price. Why are they doing this? My agent is stuck and now tells me I will go to foreclosure because the XXXX wo n't follow any of the standards of practice with short sales. The payoff to the XXXX has NOTHING to do with the value of the property, and my agent has escalated this directly to XXXX and asked that they oversee what 's going on at NCI. They say they can not.
Product: Money transfer, virtual currency, or money service

I had received a called from XXXX XXXX about helping me get more money if I put XXXX in and days after days after days he kept stooding me up telling me to wait the money I used was rent money and that was told to him that I needed his help now Im finna loose my home and all I want is my money back to my family
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just reviewed my XXXX, Experian and XXXX credit reports and it still shows the inaccurate and unauthorized accounts. 

This account is inaccurate and fraudulent. I'm seeking litigation. Please delete and block from my credit report immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against DEPT OF ED/AIDVANTAGE  for noncompliance with the Fair Credit Reporting Act (FCRA) and for permitting fraudulent
account to persist on my credit report without rectification. Attached to this
communication, please find copies of the letters I previously submitted to DEPT OF ED/AIDVANTAGE, along with the assigned identity theft case number XXXX. It
has come to my attention that despite my dispute letters, DEPT OF ED/AIDVANTAGE
has failed to address the fraudulent account that continue to be inaccurately reflected
on my credit report. I had anticipated that DEPT OF ED/AIDVANTAGE, as creditors,
would safeguard my personal information and ensure the provision of precise credit
reports. I am deeply concerned about the potential damage to my creditworthiness
and financial standing resulting from the presence of these fraudulent entries. I urge
DEPT OF ED/AIDVANTAGE to promptly investigate and rectify the inaccuracies on my
credit report in accordance with the provisions outlined in the Fair Credit Reporting
Act. Your immediate attention to this matter is appreciated, and I expect DEPT OF ED/AIDVANTAGE to adhere to the FCRA guidelines in ensuring the accuracy and
integrity of the information contained in my credit report.
Product: Debt collection

CONSUMER ADJUSTMENT COMPANY have this fraud bill on my report I have contacted them asking for proof. seemingly this was done during the pandemic. I have been frauded on several levels and this is NOT mines
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my experian report and noticed fraudulent accounts on my report