23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I make my mortgage payments on time every month. I refinanced with Assurance Financial and closed on XXXX, XXXX. On XX/XX/XXXX, I received a PAST DUE notice from the XXXX  Country Tax Assessor office for a property tax bill that was due in XXXX XXXX, XXXX and had remained unpaid. The total taxes due with late fees was {$3900.00}. I immediately called Assurance Financial and of course could only speak with a Customer Service Rep who told me to email a copy of the Past Due notice ATTN Tax Department and the taxes would be paid in 2 weeks. I did exactly what was requested. Call back in two weeksnothing had been done. 

This time the CS rep said that a work order would be submitted to the TAX department. This is when I learned that no closing disclosure was on file with Assurance ( HOW COULD THIS HAPPEN ), Assurance was just now trying to get the complete closing documents, and that the closing company should have sent the closing information to the tax office. 

On XX/XX/XXXX I checked my property taxes payment website and no tax payment had been submitted. Called again on XX/XX/XXXX and asked for a Supervisor who was XXXX who said she would submit a work order to Upper Management and it would take only 24 to 48 hours and she would let me know that the taxes had been paid. I still could not talk to anyone in the Tax Dept about this matter. In 48 hours later I called back and this time spoke with XXXX who said she didnt see where the work order had been submitted and she would do so. 

On XX/XX/XXXX, I call again and spoke with XXXX, Supr. Who said she would expedite the matter and PROMISED to call me back on XXXX No call was ever made. Called again on XX/XX/XXXX and spoke with XXXX, Supr and she also gave me her word that the taxes would be paid in 24 hours and took my cell number to call me to let me know the taxes had been paid. 

Today, XX/XX/XXXX, I see my taxes have NOT been paid. I called and speak with a manager, XXXX who said the taxes should have been paid at closing and it would take 30-45 days before the taxes would be paid. NOW, Im completely at a lose for words! Then I suggest that I just pay my taxes out of my own pocket. She indicated that there was a {$2000.00} refund check sent to me in XXXX and that was supposed to be used to pay my taxes which my taxes are included in my ESCROW account and in XXXX were {$3700.00}. There was absolutely NO communication indicating that the refund check was to be used to pay my property taxes. This payment should have been made out of my ESCROW account. Furthermore, The Tax office still has my previous mortgage company listed and not the refinanced mortgage company. 

On today, XX/XX/XXXX. I paid my property taxes of {$3900.00} which I actually didnt have the money to do so and had to make arrangements to fund my account for this payment. I have NEVER in all of the 35 years that Ive owned and refinanced a home had to go through this much XXXX. ABSOLUTELY HORRIBLE. Again this is ASSURANCE FINANCIAL is the mortgage company and SERVICE LINK was the closing company.
Product: Checking or savings account

I was notified via text message from USAA of possible debit card fraud on Thursday, XXXX XXXX, 2017 at  XXXX XXXX. I immediately replied to the text that - yes the charges were, in fact fraudulent. The fraudulent charges totaled {$1900.00} - nearly {$2000.00}. <P/>Given that USAA prides itself on good customer service, I expected that I would be given provisional credit, until the dispute could be investigated. USAA does not have many brick and mortar branches, so I moved my household account there because I had expected they would put their money into superior customer service. However, I am wrong in my assumption. <P/>After the text on XX/XX/XXXX and my subsequent call to them on the same date - I did not hear anything back from them. No phone call, no text - no email. I checked my account every day and noticed that although the charges stated pending - the monies were deducted from my available balance. It was n't until today, XX/XX/XXXX ( 5 days later ), when I called them to find out about the status of my claim. <P/>I was told today and my account revealed that USAA had finally reimbursed me for the fraudulent charges. <P/>I am so disappointed in USAA 's lack of customer service. No calls, texts, no communication as to the status of my dispute claim for fraud. This was clearly fraud. There should be an algorithim to detect that this was out of pattern for my profile. This is unacceptable customer service. I am so surprised with this treatment. Most banks will give provisional credit and then investigate the claim. <P/>Wow - I still can not believe the lack of customer service. I will not be using my USAA debit card anywhere. Only for ATM withdrawals. <P/>I hope that USAA Senior Management sees this complaint Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have tried several times to close the paypal account. Over a year ago, I was told I had accounts connected to Paypal and could not close the account until they were disconnected from Paypal. Within the past two months I have spoken to PayPal on the phone, at least twice. They told me they had to do something in the background and then I would be able to close the account. I waited a week, followed up and they said to complete the process on a laptop, just not on a phone or tablet. Well today when I tried on my laptop, the issue was the password, so each time I put in the password it will not log in. I copied the password from my phone, emailed to myself and tried to login on the laptop and that did not work. This password works on my phone.

I am tired of the run around to close this account!!!!!
Product: Credit reporting or other personal consumer reports

I looked at my credit report on, XX/XX/year>, and noticed some things are incomplete and not accurate, 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. The account XXXX XXXX is not complete and accurate. I also did not received a debt validation letter within 30 days as requested and promised and according to the fair debt collection practicing act and under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct and date reported is not accurate. Also I have didnt receive a debt validation letter within 30 days
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 XXXXXX/XX/year> [ CFPB ] [ Credit Reporting Agency ] Subject : Dispute of Inaccurate Information Code 15.c Dear [ CFPB ], I am writing to formally dispute certain inaccurate information that has been reported to you regarding my credit profile. I believe that the information provided is incorrect and does not accurately reflect my financial history. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing these accounts based on Code 15.c, which pertains to inaccuracies regarding the status and balance of the accounts listed above. After reviewing my records, I have identified discrepancies that require correction. 

Please conduct an investigation into this matter and provide me with the results as well as a copy of my updated credit report once the corrections have been made. I have also enclosed copies of relevant documents that support my dispute, including [ list any documents you are including, such as bank statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the correction of my credit report. 

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

recently I di an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items tht your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Checking or savings account

XX/XX/2023 I had a mobile check deposit for XXXX that was obtained by a personal loan. The next day I was no longer able to access my online account or use my debit card. After I contacted the bank they stated they had put my account on hold to ensure the check had cleared. The check has cleared but the bank has closed my account and refuses to fund me my money and claims they are sending the money back to the lender. I just want to obtain my money, I am a single mother and need the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is I C SYSTEMS COLLECTIONS # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEMS COLLECTIONS # XXXX**** failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C  SYSTEMS COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEMS COLLECTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where I C SYSTEMS COLLECTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. I C SYSTEMS COLLECTIONShas not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXXThis 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 card

My wife and I have separate accounts at XXXX an XXXX company ( They would n't let us combine them ) My wife 's yearly payment came due. For some unknown reason They used my credit card to pay her yearly bill. A card I did n't even know existed. It 's a capital one card ending on XXXX that was activated years earlier accidently an never used. It was not the credit card my wife was using to pay her account. Nor was I using it at all, ever.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX I dont have any knowledge of this account. Please have this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account INQUIRY DATE : [ XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly late on the XXXX XXXX   XXXX accounts. ( Please see pages 4 6 attached from my credit report, along with a spreadsheet outlining account numbers. ) These student loans are in deferment. I have attached a copy of the letter from XXXX XXXX dated XX/XX/2019 verifying an Administrative Forbearance on these student loan accounts. This incorrect reporting of late on these accounts is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( ATTORNEY GENERAL Account # XXXX ) ( ATTORNEY GENERAL Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 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 ; In ADDITION : TransUnion has been ignoring my request to remove all fraud inquiries listed that has not been made by me, which is harming my credit being a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have a XXXX credit card that was included in my XXXX  XXXX XXXX proceedings back in XXXX. The creditor chose to not participate, and the card should have been showing as a charge off since XX/XX/XXXX. However, due to some misinformation, misreporting, etc. the payments were showing as on time in the beginning of XXXX. This is inaccurate information, and should have been a charge off since XX/XX/XXXX and should have been gone off my credit report as a negative reporting item in XX/XX/XXXX ( 7 years for bk actions ). However, when disputed with Experian, Experian added an additional 3 years added to the negative action, and did not remove the action. I have called XXXX several times now, they've indicated that Experian was told to remove the action, it was included in the XXXX  XXXX, and Experian disputed that XXXX told them this information and questioned the veracity of the statement. I am caught in the middle between XXXX informing me that they're telling Experian to drop the negative action on my report, and Experian saying there's nothing that they can do and to keep disputing the negative item on my report. I am also in contact with my XXXX attorney to see what, if anything I'm able to have them do to get this negative item off my report.
Product: Credit reporting or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report I notice that there are addresses and unauthorized phone numbers on my report. I am requesting a security freeze on my report through XXXX XXXX, Sagestream and XXXX. My name should appear on my credit report as : XXXX XXXX XXXX. My current residing address is : XXXX XXXX XXXX XXXX OH XXXX. 
Please delete the following addresses from my report and freeze my information Please delete the following XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXXXXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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

To Whom It May Concern, We have been trying in good faith to resolve our status of our debt with The Bank of America. We dont believe the are they are dealing with us in good faith. The unpaid balance is {$10000.00}. A judgement was entered on XX/XX/17 yet it is still being reported to the Credit Agencies as a CHARGE OFF/COLLECTION. We are currently honoring a payment arrangement/plan with the Court Officer, so we are fully willing to pay the debt. Our attorney has advised us that if the account is now a judgement it should fall off the credit reports. No one will assist us in making this error correct and as a result we are unable to qualify to a much needed mortgage. PLEASE HELP US. 

I am attaching all relevant documentation. 

Many thanks. 

XXXX XXXX