23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SPS has neglected to pay the property tax on my second parcel, and the County is going to foreclose on my home next month because of this neglect. I have been contacting them since XX/XX/year>, and I keep getting pushed off. Every person I talk to say they are sending it to the " Escalation Department '' and for me to contact them back in 10 days. Well, it has been over 3 months and I keep getting the same answer, and my taxes have not been paid. 

The money was taken out of my escrow to pay these taxes, but it has not been paid according to the County. I have given the County, SPS their " reference # '' they gave me, trying to appease our phone conversations, saying that they have paid but have not been able to give me a check number, nor given me a copy of a check. Their supervisors have given me different dates the check was sent, and different dates the so called check was cashed. Also, the amounts have changed with each person I have talked to. My first parcel was paid by wire, but how was this second parcel paid? No one can give me an answer. 

This is absolutely ridiculous, I feel they have stolen my money and not paid the County. They will not get on the phone with me and the County to resolve this issue. I have called over XXXX times, and they have all the notes every time I call in, but no one can give me a correct answer. I have emailed every department including their tax department every delinquent tax statement I have received ( Screenshot added ). The amount was originally {$3800.00}, with the monthly fees added, the total is now {$4400.00} and rising.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a bankruptcy on my credit report, which I believe to be inaccurate as it has been discharged for eight ( 8 ) years.

I have carefully reviewed my credit report and have identified the aforementioned bankruptcy entry that I believe is outdated and should no longer be reported. According to my records and the Fair Credit Reporting Act ( FCRA ), bankruptcies are generally supposed to be removed from a credit report after seven years.

Upon thorough examination of my financial history, I am confident that the relevant time frame for reporting this bankruptcy has elapsed. I kindly request that you investigate this matter promptly and provide me with the results of your investigation. 

If, after your investigation, you determine that the bankruptcy entry is indeed outdated, inaccurate, or not in compliance with the FCRA, I request its immediate removal from my credit report. 

I appreciate your attention to this matter and your prompt resolution. Please notify me in writing of the results of your investigation within the time frame required by law. 

Thank you for your cooperation and prompt attention to this matter.
Product: Checking or savings account

On XX/XX/2023 I initiated a transfer from my checking account for the amount of {$30000.00} to my Robinhood brokerage account. The transfer has taken 7 days to complete. On XX/XX/XXXX, Robinhood has decided to restrict my account and has told me to verify my identity, even thought my Robinhood account has been opened since XX/XX/2023, over a month ago. The transfer completed on XX/XX/XXXX, and my account has been restricted ever since.Now once I sent them the necessary documents, on XX/XX/XXXX, they are now telling me my account is restricted for another XXXX10 days with no access to my funds. I feel unsafe because this is 2 weeks without access to my funds. My account has been opened for over a month and now that I deposit my money into the account, it gets restricted? It just doesnt feel right. They first told me they will get back to me in 48 hours on the XXXX, and now they updated it to 7-10 business days. Also due to my account being restricted I am unable to talk to support, they have limited my access so they have been unresponsive.
Product: Credit reporting or other personal consumer reports

I just received my credit report and i noticed i account is not my i would like to removed XXXX XXXX XXXX XXXX, account number XXXX  date open XX/XX/year>, amount XXXX
Product: Credit card or prepaid card

When calling number on back of my card to check balance, It seems the number XXXX has been hijacked and they try to sell you everything from car insurance to insurance for the elderly. 
If you don't push the buttons they ask you to they hang up. 
I contacted customer service who didn't believe me for one and didn't Bother to say " hold sir, let me check that number for you. 
Noooo! The super didn't know his job. I'm back where I started " no account info. I need help proving their number was hijack. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I opened a complain on this site ( Complain # XXXX - report is attached ) because KIA was charging me late fees when I had applied and been approved in a monthly basis for referred payments until XXXX due to the COVID pandemic. By XX/XX/2020 Kia finally responded that they were waiving any late fee I was being charged and apologized for all the inconvenience.

Today I learned that KIA had reported to the Credit Bureau that my account was late for 30 days, impacting negatively to my credit history. 

I am very much mortified for all the inconvenience and headaches KIA Financial has put me through. I had a credit score was outstanding and now it has decreased significantly decreased because of this situation. 

Kia had taken almost TWO months to take care of the prior related issue and it was not even do it right. They have handle this situation very poorly. 

Now I have to waste time, resources again, to have this issue fix. This is not ok. 

I am enclosing the report that was filed and recently closed related to this current issue.
Product: Student loan

I was signed up for Auto Debit for XXXX. In XX/XX/XXXX I asked for change is student loan auto date to be the end of the month. No one can answer where the request is. 

XXXX the auto debit was suppose to take out my loan. It still has not but shows past due amount for this month and now shows auto debit XX/XX/XXXX. I have been trying to call ( on hold multiple hours and being transferred until people hang up ). They are saying online it is now delinquent but I have plenty of money in my account! 

No one answers, transfers often until the hang up or close. How can I pay or deal with account if they wont speak to me?
Product: Debt collection

After reviewing my credit file it has come to my attention that ERC is reporting 2 accounts representing XXXX onto my credit file. One in the amount of {$370.00} and another in the amount of {$610.00}. Not only do these accounts do not belong to me I was never informed and given my right to dispute the validity of these 2 accounts. I have never received any communication regarding these accounts from ERC. I am a victim of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some various inquiries in my credit accounts. All 3 : XXXX XXXX and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted Chase, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Product: Credit reporting or other personal consumer reports

On [ XX/XX/year>XXXX  ], I discovered that a fraudulent account from XXXX XXXX XXXX, which had previously been removed from all three major credit bureaus ( Experian, Equifax, TransUnion ) and XXXX, was wrongfully reinserted into my credit report. 

This account was initially disputed and successfully removed after I submitted identity theft documentation in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking and removal of fraudulent accounts upon notice of identity theft. 

However, despite compliance with federal law and confirmation of removal, XXXX XXXX XXXX and the credit bureaus have unlawfully reinserted the fraudulent account, violating : FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which holds data furnishers responsible for ensuring accurate reporting. 
FACTA ( Fair and Accurate Credit Transactions Act ), which requires the immediate deletion of fraudulent identity theft records.

FCRA Sections 616 & 617 ( 15 U.S.C. 1681n & 1681o ), which allow for legal action and damages due to willful and negligent violations.
Product: Debt collection

I have attached my id theft report to prove this account is not mine. Fighting this fraudulent account has been very inconvenient for me. Please remove this account as I have attached proof of it not being mine below.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, This correspondence is in response to the complaint XXXX XXXX XXXX XXXX ( XXXX ) received from your office on XX/XX/2022 on behalf of XXXX XXXX in which XXXX XXXX XXXX alleges he is a victim of identity theft. 

We're pleased to provide the additional information your office requested please view attached documents. 

XXXX XXXX XXXX sent documents XXXX requested to verify XXXX XXXX XXXX identity such as ( state identification, billing document, social security number, and final FTC affidavit
Product: Checking or savings account

Problem with Citibank , N.A . 
In XX/XX/2019 I opened three savings accounts via an online application from their solicitation advertising an interest rate of 2.33 %. 

I funded the accounts using the Citibank process for account to account transfers from my credit union account in XXXX, NM by following the instructions from Citibank. The transfer of funds went well. 
On my first bank statement I received in XX/XX/XXXX I noticed Citibank was withholding for federal taxes with the information on my statement saying, " Federal Withholding Tax Uncertified ''. 

I called Citibank inXX/XX/2019 and inquired about the withholding and was informed I need to submit a W-9 and they directed me to the IRS website to obtain the form. I asked how I could submit the form and was told to fax it in. I followed the directions and submitted the form via the fax number they provided. 

XXXX weeks later, I called Citibank and asked if the form was received. I was told by the Citibank representative the forms could not be faxed in and had to be mailed! I followed these contradictory instructions and mailed in the form to the address I was provided in early XX/XX/2019. I was told to wait three weeks for processing. 

On XX/XX/XXXX I called Citibank, and after a long wait on hold time, and after explaining the problem ( again ) I was transferred to their servicing department. The message was the department was closed and I should leave a message and they would respond the next business day. I left detailed information about my name, SSN, account numbers and the reason for my call. I left a daytime phone number and repeated the number, including area code three different times for clarity. No one ever called me back or took care of the issue of my interest being withheld. 

In early XXXX I received my bank statement and noticed interest was still being withheld for taxes, telling me they have not processed either of the forms I submitted. On XX/XX/XXXX I called Citibank and spoke with a representative and told them my story ( again ) and was told I need to talk with a supervisor. They placed me on hold and forgot about me. After 45 minutes of long suffering, I hung up the phone. 

On XX/XX/XXXX I called Citibank again and after entering all the information about my account on the phone and waiting through the phone menus, the message came on they are too busy to talk to me and told me to call back in two hours then they hung up on me. 

On XX/XX/XXXX, I looked online and all three of my accounts are having interest withheld even through I submitted W-9 two different times according to their instructions.
Product: Debt collection

COLLECTION AGENCIES VIOLATED " FCRA, FDCPA, FCBA '' REPORTING ID FRAUD ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH " XXXX XXXX XXXX'
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, My son and I applied for a mortgage loan through XXXX. XXXX advised me that they would pull all XXXX  credit bureaus to assess my creditworthiness. 

Within XXXX minutes of XXXX accessing my credit report, I was inundated with unsolicited mortgage offers from a multitude of people trying to solicit me for a mortgage loan. In less than 24 hours, I have had 16 unsolicited nuisance calls, and the calls keep coming.

It was never disclosed to me that once my credit report was pulled, I would be swamped with calls from obnoxious salespeople, nor was I offered an opt-out option. If I had known I would get call after call, I would have said I wanted NOT to be contacted. 

My complaint is not with XXXX but rather with the credit bureaus. Consumers should be advised that they will immediately begin receiving calls from mortgage lenders buying our information from the credit bureaus or be given an option to opt-out.
Product: Debt collection

I sent a letter to this debtor " Procollect '' because I received a copy of my credit report and on the credit report i found that this debt collection was inaccurately reporting on all three of my credit reports, XXXX, XXXX, XXXX XXXXXXXX. This debt which does not belong to me has hurt my credit report score causing my credit to drop several points. I have never received any documentation stating that this debt belong to me, nor have i had an opportunity to dispute the fact that this debt belong to me. Therefore, I am asking that this debt collection be removed from my credit report immediately. 

Under the Fair Credit Reporting Act, 15 USC 1681, I am expressing my right to demand that the disclosure of their compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning this account. I have asked that they send these files which they have not. 

It is my right that under the FCRA 15 USC. 1681I, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that this is my account with in 30 days it must be removed from my credit report. I will be also filing a complaint with the FTC and the attorney General of the State of Texas.
Product: Credit card or prepaid card

I was charged {$670.00}. on my Chase Sapphire card for an outdoor furniture purchase I made in XXXX, XXXX from XXXX XXXX XXXX ( the merchant ). The merchant 's website said it was a " quick-ship '' item and would be shipped in 4-6 weeks. After 4 weeks, I asked for the status of my order and was informed me that it would take another 16 weeks for it to ship. I cancelled the order because by the time it shipped, summer would be over. The merchant confirmed that it was cancelled. In XXXX, I realized that I wasn't refunded for the charge. I contacted the merchant and they asked me if I wanted to cancel the order. I told them I already did cancel. They confirmed that it was cancelled. In XXXX, I got a call from the shipping company saying that they were trying to deliver my order. I told them that I cancelled it. I contacted the merchant and told them that I cancelled the order twice and asked for the status of my refund. The merchant said that they would refund me. In XXXX I checked my credit card statement and found that there was still no refund. I emailed the merchant again and received a reply that stated only " refunded ''. In XXXX, there was still no refund on my statement so I opened a claim with Chase. I provided them with written documentation to support my claim. In XXXX I was told that the charges were correct and it was too late to make a claim. I appealed the decision and in XXXX, XXXX Chase responded that stating that the charge was correct and if I have a dispute with a merchant I need to take it up with the merchant. So here I am. I don't have my {$670.00} and I do not have the patio furniture. During this time I have contacted XXXX XXXX XXXXXXXX by email and by phone, asking them to tell me how and when they refunded me. They do not respond to any of my attempts to resolve this. The bottom line is that XXXX XXXX XXXX and XXXX XXXX XXXX have my money and the patio furniture. I have been a good customer for Chase, and it stuns me that they can see clearly that merchant did not refund me when they specifically stated that they did and yet they won't credit my account and charge back the merchant for both the initial charge and interest that has accrued on it.
Product: Credit reporting or other personal consumer reports

Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I am not aware of this debt of {$1100.00} nor did I sign an agreement with the company above. 

Show me my signed agreement if not remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

notice hard inquiries on my Transunion report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for 2 moths for my credit score and is still not coming up. Please fix this issue.
Product: Credit reporting or other personal consumer reports

Dear CFPB Ref : Hard Inquiries on my Credit Report Date : XX/XX/2023 Name : XXXX XXXX  Location : XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual Date : XX/XX/2023 Name : XXXX  XXXX Location : XXXXXXXX XXXX XXXXXXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual These inquiries were not authorized by me, and I have no knowledge of any interaction or application with the aforementioned entities at the specified dates. As such, I request the immediate removal of these unauthorized inquiries from my Transunion credit report. 

I understand the importance of accurate and fair reporting in maintaining the integrity of credit profiles. Therefore, I kindly request that you investigate this matter promptly and take necessary action to rectify these errors. 

I appreciate your attention to this matter and your prompt action in resolving it. 

Thank you for your cooperation and prompt attention to this matter.
Product: Debt collection

As per the regulations established by the Federal Communications Commission ( FCC ), I have no contract agreement with I.C. SYSTEM, INC, I am entitled to request and receive a physical, signed copy of any contract that I am alleged to have entered into with I.C. SYSTEM, INC. Therefore, I formally request that you provide me with a copy of the contract bearing my wet signature that states I have contracted with I.C. SYSTEM, INC. If such a document can not be provided, I request the immediate removal of the account from my records. 
Furthermore, Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802. Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit using XXXX XXXX and I noticed a few accounts and inquiries that I did not recognize. This made me wonder who could have used my credit so I asked my family and they all said no. I immediately contacted the bureaus and placed a fraud alert on my credit report. 

Reporting on Equifax XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX  on XX/XX/XXXX Reporting on XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Reporting on XXXX XXXX XXXX XXXX  with account number XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I have been told by each bureau that the accounts and inquiries will be removed. However no change has been made and this is starting to effect my credit.