23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

American Express has closed this dispute on XX/XX/year>. Yet they have written that it is still open. The communication issues of this company 's dispute department continue. 
In addition, the documentation sent to me is the same information over and over again. 
The last packet was 175 pages long of the same information over and over.
Product: Money transfer, virtual currency, or money service

My wife stole my XXXX cell phone ( XXXX ) XXXX, huntington bank debit card, XXXX  XXXX credit card, XXXX XXXX credit card and XXXX XXXX credit card. 
My iphone had all the login information and passwords for all of my debit cards, bank account, credit cards, social media accounts in the notes while i am in XXXX. 
My wife flew back to XXXX on XX/XX/2022 with her father and abducted my son and all my travel documents with her. 
I came to know on XXXX XX/XX/2022 that my wife withdrew all the money from my huntington bank account. 
So I am reporting this fraud activity against my wife XXXX XXXX. 
Thanks.
Product: Mortgage

For the last 25 years, I have Sent my Mortgage payments to you and on time, I ( Purchased my home in 1990 to date I have had several issue with the Company stated about. I sent in payments with my Payment booklet since purchase ding my home, a Few years ago this company attempted to file Foreclosure on my stating that I missed several payments, which is fabricated and not true I have never missed some mortgage payments. Thank God I had all the Receipts of such payments.

Unfortunately, Standard Mortgage company sent documents stating that I am falling short of equity and States that my payment of which has been pretty much the same for over 2 decades, will increase over {$100.00}. Two years ago my balance was a little under XXXX, and currently at approximately XXXX. Seems to me extra Fees or What not are being added to the ending balance. I am disappointed because Ive invested most of my earning to this company ; seems like they are trying to take my home back and cause an immediate hardship, of which I have Worked Hard to maintain. I finally set up automatic deductions to solve the missing payments issue. the service was not performed correctly ; I was billed once the wrong amount and Threatened about payment history with could ultimately scar my impeccable Credit worthiness. When Calling the company staff misrepresents and is very Unprofessional to say the Least. etc.

To resolve the problem, I would appreciate your if I could have a break- down of all the monies sent and a detail of my account information for the last 7 years, as it seems that since I am close to paying off my mortgagee other Monies are being tacked on to promote hardship and confusion.

Please Help.

If need be, can also send the Letter That I was Sent Recently about payments increasing. 

I look forward to your reply and a resolution to my problem and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX Please contact me at the above address or by phone at home XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXX Date Opened XXXX XXXX, 2021 Balance : {$290000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has denied my right to have online access to my credit report for 3 consecutive years. Per the Fair Credit Reporting Act, Equifax is legally obligated to provide me with a copy of my credit report annually, however when I attempt to retrieve my Equifax report through XXXX, all of my information is verified, I receive a message stating, " Great, we have found your credit file '', but instead of my credit report displaying, I receive an error message advising me to call Equifax. I have been denied credit, based on my Equifax credit report and attempted to retrieve my report on their website and I continuously receive the same error message. Over the last three years, I have called Equifax more than a dozen times, attempting to resolve this issue. Most recently, I have called Equifax on XX/XX/XXXX, 3 times on XX/XX/XXXX, twice on XX/XX/XXXX and twice on XX/XX/XXXX to determine why my credit report is unavailable to me online, they have no answer or resolution. Can you please assist me?
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. 

The reporting of " bankruptcy '' ( # XXXX ), by all three credit reporting agencies has violated my rights and caused me harm, damage and distress. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states : a consumer reporting agency can not furnish an account without my written instructions.

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. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am avictim of XXXX, and the information listed below on my credit report is a result of that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Highest Balance : {$390.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I contacted Transunion Credit Agency informing them that I have fraudulent activities on my credit report. I sent letters in XXXX with the same information. When i pulled my credit report today, I still see these said items. On XXXX XXXX XXXX XXXX, my credit was pulled by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize any one from these said businesses to run my credit, 15 USC 1681 states if the consumer makes the company aware that it was fraudulent activities being performed. They have 30 days to investigate and remove these items. Like I said earlier that I have been sending letters making calls and nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting or other personal consumer reports

This is to follow up in regards of the ongoing issue concerning the removal of fraudulent items from my account. This communication marks my several attempt to resolve this matter, which continues to cause significant inconvenience and financial detriment. I have complied with all necessary procedures, submitting comprehensive documentation to substantiate my claims. Despite these efforts, the fraudulent charges remain unresolved on my account, adversely affecting my financial stability and confidence in your institution 's ability to protect my interests. The persistence of these fraudulent items not only misrepresents my financial history but also poses an ongoing security risk. Immediate and decisive action is required to rectify this situation. Failure to address this issue promptly will necessitate further escalation, including seeking intervention from regulatory bodies to ensure compliance and protection of consumer rights. Please help me remove these items immediately : XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXX/XX/year> ; XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from the advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my consumer report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all the listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within XXXX  days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I was victim of identity theft on XX/XX/XXXX i am going to supply you local police report and online identity theft report.Somebody stole my identity they open up some credit card accounts some telephone accounts.They are damaging my credit and they are not my accounts.Here are the details of negative items on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX ( XXXX XXXX XXXX XXXX  ). 
XXXX XXXX late payment XX/XX/XXXX, XX/XX/XXXX. 
I need your help to remove these negative accounts from my credit report. I need to buy home very badly. I can not get mortgage because of these negative items.
Product: Credit card or prepaid card

Hi and to whom it may concern : I just finally got off the phone with Risk Management team member XXXX at First Progress Card on an alleged 2nd card that apparently shows on my credit report without me ever applying for or put a secured deposit for it. After 61 minutes with her today in regards to this, she confirmed that for some odd reason when I open the card that I have now a few months ago, then the 2nd card was mysteriously open but NEVER sent. However, she said that First Progress mistakenly reported to the credit bureau that I never paid the annual fee for 2 consecutive months which was on the card that I NEVER APPLIED or RECEIVED. I'm in the process of buying a home for my family and my credit has taken a huge hit in the last 2 months and I'm in the verge of NOT closing on the loan because of this issue.
Product: Money transfer, virtual currency, or money service

purchased a software to recuperate my data off my cellphone and XXXX computer off XXXX The software is 100 % warrantee according to developer. But paypal credit would n't return my money since they said the license purchased is valid. I know the license is valid but the product is useless and does n't work as intended. The company is based on XXXX XXXX and they do n't answer back to their tech support inquires. <P/>Theres a middle company named XXXX which process the licenses and payments ( XXXX XXXX XXXX ) with address as follow : XXXX Corporate Office See on Map XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX Either PayPal credit or XXXX it 's willing to return my money back. Both companies has been provided with the error code : XXXX XXXX Status.plist not found. <P/><P/>the orders were as follow : XXXX XXXX {$19.00} XXXX XXXX {$34.00} I feel PayPal credit is not actin fully to the extend of law or handling the claim as it should : " Item not as described ". Need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began reporting discrepancies and disputing incorrect items on my Credit Report ( s ) to EACH of the three ( 3 ) Agencies ( XXXX, XXXX  & TransUnion ) in XX/XX/XXXX. 
To date, XX/XX/XXXX, NO RESOLUTION has been achieved from any

of these three ( 3 ) Agencies. I have sent as Many AS Many as thirty-five to some. I now believe I am the VICTIM of " AGE DISCRIMINATI
ON ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old negative accounts on my report that were supposed to be removed. I am unable to successfully submit a dispute for these errors, even thought XXXX  has fixed the issue. See attached proof with account info.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, approximately XXXX XXXX midnight eastern time, a perpetrator broke into our condominium 's mail box with a stolen XXXX master key. He was able to open all the mailboxes and stole all the packages, mail, and monthly common charge checks from the building. This person then washed the check with chemical and changed my check 's name, amount of {$250.00} to {$2500.00}, and memo but kept my signature on the check The check was then deposited into XXXX XXXX Bank. I filed a claim with Chase bank and also filed a police report immediately as soon as I found out. They told me I have to wait 90 days for Chase to investigate and contact XXXX XXXX. I haven't heard anything within 90 days so I called Chase for an update and they told me XXXX XXXX 's didn't respond to Chase 's claim. And they told me that my funds wouldn't be recover if XXXX XXXX doesn't respond. Chase said they aren't responsible for it anymore. I attached all the evidences and documents that the bank told me to fill out. Please help me recover my funds as both banks are denying responsibility to help me on my claim.
Product: Money transfer, virtual currency, or money service

Made a purchase on XXXX using paypal for payment. purchase date was XX/XX/XXXX and the purchase was for {$470.00} XXXX order number on XXXX is XXXX paypal states in their disclosures that they change the currency rate daily but they do not change it daily. they leave it the same for weeks or months at a time. 

As of yesterday the value of the us dollar to the XXXX was approximately even, give or take a cent. 

The exchange rate they provided was XXXX XXXX less than the actual value of it should be and that is the same amount they had XXXX months ago. 

So they are not changing it daily as their disclosures state and they are ripping consumers off, pocketing the difference and not be ethical or even fair. 

When the customer service rep who I spoke to put me on hold to transfer me to a manager like I asked I was hung up on. 

Then to make matters worse, I was sent an email supposedly including the disclosures for international money transfer fees, etc but the email and only email sent to me was for an alert that my account was accesssed from anothe mobile device which was not accurate and seems like a fraudulent way to conclude the phone call by the representative.
Product: Credit reporting

I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have some unauthorized and fraudulent credit inquiries listed on my Trans Union Credit Report. The following credit inquiries are fraudulent and unauthorized : XXXX, XX/XX/2017, XXXX, XX/XX/2017, XXXX, XX/XX/2017. Further, I have employment information that do n't belong to me. I have never been employed at XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Capital One closed my new account after I tried to make payments through my bank. On their end, Capital One had my name spelled wrong from my correctly spelled application. When they tried to submit for payment to my bank, which I authorized, it automatically rejected them because of the typo. I informed Capital One of the error and they claimed to have fixed the typo to correctly match my information, so I tried again. The bank rejected it again and when I spoke to representatives, they said Capital One submitted the exact same information and did not correct the typo, so the system automatically rejected them again. But Capital One still closed my account for their error. I tried to resolve this with Capital One and have the account reopened, but was not able to. I continued to pay on the closed account bill even though they were at fault for the error, and have made payments since, except for last month ( bill due XX/XX/2018). Yesterday ( XX/XX/2018 )  they filed with the Credit Bureaus, claiming I am 60 days behind, even though I paid the regular bill for the previous month. And they have tacked on fees bringing my bill back up to the original credited amount of {$300.00} even though I have paid {$200.00} on the bill so far ( I only used the original {$300.00} ).
Product: Student loan

I am a co-signer on the Private loan that my daughter has. On XX/XX/XXXX, I informed them that I am unable to pay on her account due to having to pay over XXXX a month myself in student loans and have asked them to grant her a forbearance for more than what they are saying. 

On XX/XX/XXXX received another call and spoke with the customer service rep. and asked her to read the notes on the account stating that I can not pay. She became rude and asked why and I unwilling to pay. I asked to speak to her supervisor. I told the supervisor my daughter can not pay and that I would like a 6 month forbearance on her account and to send me the paperwork to my email, she stated they can not do that and they can not mail the paperwork. I must first pay the {$50.00} to start the process and then I will get the policy in the mail. I stated I am not going to pay for something before reading the document as to what I was agreeing to. How can a company force you to pay for a forbearance first and not know what the terms are only going by what the representative is telling you. I refused to pay them anything without reading what I am agreeing to. 

No one should have to blindly agree and pay for anything. This is the first rule we are taught as consumers never give any company money without reading the fine print.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have the inquires in my credit report removed. They have served its purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Bank # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I made a total of 4 payments totaling {$4100.00} using my Bank of America On-Line billpay service that have not been received by XXXX XXXX XXXX 
XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$1000.00} XXXX - {$600.00} XXXX - {$1000.00} I have made additional payments in XXXX that have not been credited to my XXXX XXXX XXXX XXXX XXXX  account. 

I have notified the bank and the credit card company - XX/XX/XXXX There is currently in excess of {$6000.00} taken from my BOA account and supposedly sent to XXXX- which XXXX XXXX does not aknowledge.
Product: Mortgage

lender is delaying the payoff to charge late fees and attorney fees ''. lender would also not take my mortgage payment.
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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up complaint in line with my previous complaint dated XX/XX/XXXX. I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items due to their erroneous status. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX po box XXXX XXXX XXXX CA XXXX XX/XX/XXXX po box XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX