23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX I contacted XXXX mortgage to ask about why I was showing a negative balance in my escrow account. I was told that it was a payment sent to XXXX XXXX, XXXX  tax office for property taxes. 

I informed the person I was talking to that I am a XXXX XXXX  XXXX veteran, and I do not pay property taxes. She didn't care. I told her that I have been XXXX XXXX XXXX for XXXX XXXX, this is not a new development, she didn't care. The company would not listen and were VERY dismissive of everything I said. 

The mortgage company knew when I closed that I was XXXX XXXX  XXXX veteran, I provided them a letter at closing. I have made payments for nearly a year and this has not been an issue. 

I informed the person I was talking to that I have a letter from the XXXX XXXX XXXX XXXX approving my tax exempt status. The person I was talking to did not care about the letter. Very dismissive and rude about the whole thing. 

She said they sent tax payment to the tax office and I now owe them their money back. I asked if the tax office sent them a bill, and she did not know. I asked them why I am just now being charged taxes, she said they could not verify with XXXX XXXX of my tax exempt status. I offered to send her the letter I have from XXXX XXXX and she said they could not accept it. 

I now have a $ XXXX tax debt to XXXX Mortgage for taxes that I do not owe, which is making my mortgage payment $ XXXX more per month. This is creating a financial hardship on my family.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a lien of credit and they denied me a line of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account at conns got furniture.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Unauthorized Credit Inquiries from XXXX and TransUnion Reports Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request the removal of unauthorized credit inquiries that appear on my credit reports with XXXX and TransUnion. 
The following inquiries were not authorized by me : Processed Date : XX/XX/year> Inquirer Name : XXXX XXXX Processed Date : XX/XX/year> XXXX Name : XXXX XXXX  Services I did not apply for credit with these companies or provide consent for these inquiries to be made. These unauthorized inquiries have negatively impacted my credit score and my ability to access credit under fair conditions. 
I request an investigation into these inquiries and their removal from my credit reports. Additionally, I ask for a copy of the investigation results for my records. 
For your review, I have attached a copy of my identification and the credit reports highlighting the inquiries in question. 
Thank you for addressing this matter promptly. Please feel free to contact me if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is directly related to XXXX XXXX XXXX CO, XXXX XXXX, who will referred to as The Company. 

Consider this a follow up complaint to my original complaint filed XX/XX/2022 with The Company - XXXX. The required timeframe for a prompt response has expired. 

I spoke with a representative of The Company on a recorded line who confirmed the delinquency was a direct result of The Company 's illegal and harmful communication practices. The representative confirmed that I would be contacted by a supervisor of The Company which did not occur within 30 days. 

The Company failed to notify me of current balance due upon purchasing my loan ; The Company failed to notify me that a scheduled payment had been rejected within a reasonable timeframe ; The Company failed to accept my payment without reasonable explanation within 14 days of rejection ; The Company failed to notify me of payment rejection within 48 hours of failure ; The Company would not allow me to make a payment within 30 days of purchasing my loan ; The Company failed to respond within the required timeframe for a verbal complaint ; The Company failed to deliver notice of delinquency prior to 30 days late ; The Company delivered libel reports to credit agencies despite The Company being responsible for delinquency ; The Company refuses to respond to multiple attempts to correct The Company 's error. 

XXXX XXXX will now be required to relay all future communications regarding my mortgage by written mail as well as responding to this CFPB complaint. 

I have also served a final notice for The Company to correct their reports. Without a prompt response from the Company, this complain will be escalated to civil court.
Product: Credit reporting or other personal consumer reports

I

previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting or other personal consumer reports

here are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though Ive paid off all my loan and credit card balances Transunion is refusing to update my credit score. In fact theyve lowered it to a poor rating.Also Transunion has addresses for me listed in XXXX although Ive never lived in XXXX in my entire life. Transunion refuses to remove it
Product: Credit reporting or other personal consumer reports

this company has not done the proper investigation, they did not verify
Product: Debt collection

I notified by written letter from XXXX XXXX, ( Senior Specialist ) of XXXX XXXX that the Lowes account was not mine and that they was the ones that add me as an authorize user, and that I will be refund {$1800.00} for payments made after the XXXX of the card holder and after many fail attempts phone calls I contacted ( XXXX XXXX on XX/XX/XXXX at XXXX XXXX. ) now am being told I have to show proof of payments. When stated in the letter on XX/XX/XXXX that {$1800.00} was made after his XXXX. In which I fax all these proof of documents over to CFPB on XX/XX/XXXX.
Product: Credit card or prepaid card

I applied for the XXXX Chase card using a signup offer on XXXX. The signup offer stated there is a {$50.00} statement credit after the first purchase. Yet Chase is denying me the {$50.00} credit on the grounds that I did not book a hotel at the time of signup. This prerequisite is not made clear anywhere on the offer page or in the offer details. I have attached screenshots which clearly show the offer terms do not mention a hotel booking as mandatory to receive the statement credit. It is misleading to bait people in with a signup offer and then disqualify them for a reason not listed anywhere in the offer or fine print.
Product: Debt collection

This is a collections bill that I received due to a possible error with my XXXX XXXX. I reached out to the radiology company and they told me that it was written off, but that everything was paid. The collections agency I spoke with multiple people and explained to them that it is a XXXX XXXX. claim and that they can not go after me for it due to the fact that everything was to be paid. This has not been resolved and Ive spoken with them multiple times they have texted me multiple times even after I explained to a supervisor that this is a XXXX XXXX. case. At this point, it is harassment and Im pretty much over it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having trouble with XXXX  I have 19 Fradulemt hard inquiry that dont belong to me. I have tried to file a dispute with XXXX  about these fradulent inquiry but I never heard any thing back and I want them to be removed. I also see a couple of item that was removed show back up on my credit report and thats not right and I will like those to be removed because those are also fradulent those account are 1. XXXX XXXX 2. XXXX XXXX 3. XXXX  XXXX  XXXX  And XXXX XXXX  was removed and show back up on my credit report Im taking action and my own hand because inaccurate information is on my credit
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit card or prepaid card

I filed a claim for {$3500.00} back in XXXX of 2021. A few days later my claim was denied. I filed a police report and faxed it to Bank of America with a copy of my identification and called BOFA and told them that this was not fair and if I could speak to a XXXX. I spoke to a XXXX and she told me that she was going to reconsider my claim and open it for further investigation. Well its been 11 months and my claim is still pending. I have called Bank of America to check on my status about XXXX times and nothing.
Product: Consumer Loan

I have been trying to call Flagship for two days. I called XXXX and they transfer me to XXXX which no one answers. On XXXX XXXX, 2016, I was on the phone on hold from XXXX to XXXX XXXX EST. I was not able to talk to a representative. I want to talk to a representative to negotiate a payoff of my account so I can re-establish my credit.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 card

I contacted Barclay ( Jetblue credit card ) on XX/XX/XXXXXXXX  to dispute a {$150.00} charge from UBER and they temporarily credited this charge from my master charge while they investigated this erroneous " cleaning fee. Case ID XXXX. 

The reason that I deemed the cleaning fee erroneous is that on XX/XX/XXXX I used UBER ap and was charged the SAME erroneous {$150.00} cleaning fee on an unrelated credit card. I disputed with the XXXX  and also with

UBER via the ap and everything was resolved and I did not have to pay for this cleaning fee. In fact, UBER gave me a {$5.00} apology credit to my account. In the interim, I attached my Jetblue credit card to my UBER ap and used UBER o
n XX/XX/XXXX while I was taking a trip from XXXX XXXX. For some unknown reason, this SAME {$150.00} erroneous cleaning fee ( from the XX/XX/XXXX ) trip appeared on the trip that I took on XX/XX/XXXX! 

I tried to dispute with UBER directly but it is impossible to deal with a " live person '' at UBER as the ROBOT keep telling me the trip was over " 90 days old and I can not dispute '' Barclay in the meantime, advised me that UBER contends that " fee was valid and they put the {$150.00} charge back on my account ''. I contacted Barclay bank yet again, faxed all my pertinent proof that this was the SAME charge and escalated to manager of dispute department and they continue to refuse to credit this charge from my credit card account. 

Please review my proof and you will clearly see that this is the SAME charge and XXXX ( my driver ) from XX/XX/XXXX trip did not assess an unrelated cleaning fee from this trip.
Product: Checking or savings account

My was card was used by several companies unauthorized by me. I called some companies trying to retrieve my funds back one company ( XXXX ) said that i shouldnt cancel my card because then they wouldnt be able to refund me my funds so i kept my card active. Some companies wouldnt refund me back, they said i had to file a dispute with my bank in order to retrieve my funds and my bank disapprove my dispute because they said i didnt cancel my card but i did Because i received a new card, This is fraud i need help getting my funds back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX allowed someone to open up a charge account under my credit management, I found this on the XXXX report. I live in XXXX MN and have for decades. I have never been to XXXX XXXX, nor have I ever had a XXXX XXXX  credit card or credit balance, through XXXX XXXX or any other services. this amount is in credit of {$25000.00} the account number is ending in XXXX. If this could be taken care of I would be grateful. I do believe this may lead back to a person that is also using possible aliases like XXXX XXXX ( XXXX ) and XXXX XXXX, thru XXXX emails systems ; aka XXXX aka, XXXX. and the XXXX handle currently used on XXXX is XXXX in conjunction with the XXXX XXXX, and that was the name he gave me in the email letters that I have saved, his photos were the same as XXXX XXXX XXXX, I have the XXXX XXXX email also saved to my email, as twice now he has used aliases to solicit me through a relationship status for XXXXXXXX XXXXXXXX and it is a XXXXscam. I saw a news article written about XXXX XXXX and it had an author by the name of XXXX XXXX XXXX the guy claiming to be XXXX XXXX XXXXlso claims to be from XXXX South Carolina XXXX when he was using XXXX XXXX he claimed to be from Texas and claimed to work for XXXX industries as a XXXX XXXX representative. I have all the necessary info stored on my computer if you need more info like photos emails, addresses and such. thank you for looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has yet to remove this account from my credit report. It has been deemed as fraud and incorrectly reported as it has inaccuracies, by both XXXX  AND XXXX. I've contacted XXXX XXXX and XXXX XXXX over the phone and they have basically changed the accounts number and balance multiple times as if that would be legal on anyones account. And they've told me due to this fraud account being in their system for at least 2 years, they cant manually remove it and i must reach out to the credit bureaus for removal. Which i did, Both XXXX and XXXX  have removed it, only Experian has been non-compliant and very unprofessional in regards to honoring my credit rights under FCRA. Experian has taken it upon themselves to unlawfully report false information on my credit report and I'm going to file every possible complaint every where until they fix this error. 

XX/XX/2021 XXXX PACIFIC COAST TIME, ON A 41MIN PHONE CALL, I LAST SPOKE TO A LADY NAMED 'XXXX  ' AT THE OHIO LOCATION OF XXXX/XXXX  XXXX, SHE'S FROM THE INVESTIGATIONS DEPARTMENT. SHE TOLD ME WHAT I SAID ABOVE^
Product: Credit reporting or other personal consumer reports

I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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. 

The following companies did not have permission to request my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Collection account. 
, 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 In Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these addresses are incorrect and never belonged to me. 
XXXX XXXX XXXX XXXX, DE XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account doesn't belong to me I dispute it with the company
Product: Mortgage

I put my account on autopay mid XX/XX/2020. The AutoPay was setup to be taken on the XXXX of every month. On the XXXX, I spoke to a representative at Mr. Copper who assured me the payment would be taken on the XXXX ( yes, three days after it should've been taken ). She said it was processing and that it will be reflected in my account. Today, I logged in because money still hadn't been withdrawn from my account and I had a {$50.00} late charge assessed to my payment. Upon speaking with another representative today, they could not give me any real guidance as always. She stated they will put in the request to have the {$50.00} removed, however it wasn't guaranteed. This company has been nothing but a complete disgrace. I have print screens showing the fee assessment along with print screens showing AutoPay turned on and the day upon which money should be withdrawn.