23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I called the creditor direct since I saw incorrect information on my status. My account is up to date as I was informed twice by them. They refuse to update my account. I have been disputing this account for going on XXXX months. I have sent them letters as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681.

THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 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 have reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have tried several times to request Sierra Pacific Mortgage to update my tax lines and reach out directly to my tax assessor office as they did a corrected secure tax bill land not a supplemental. I have spoken directly to the tax assessor and advised me the bill that was sent out is the actual amount but they added taxes from XXXX. My analysis was perform in XX/XX/2019 and they increased my payment even with payments being made toward the escrow for shortage by {$300.00}. I have attempted to escalate the situation without anyone in the tax department or their escalations department to contact me directly to understand what I am speaking about. The tax department is being neglected and just basing information found on XXXX XXXX
Product: Checking or savings account

Monday XX/XX/2018 about XXXX I drove to the Bank of America located on XXXX XXXX XXXX nc to make a deposit of {$2700.00} into the ATM that is closest to the building ( ATM ID IS XXXX ). I proceeded as normal to insert my debit card into the machine and pressed the required buttons to make a deposit, as the screen reads please insert cash now I inserted a mixture of {$100.00} bills and XXXX that were equivalent to {$2700.00}, The machine abnormally took a long time and I pressed cancel, two {$20.00} bills came out the ATM and also my debit card was kicked back out the machine and the whole machine went back to its normal original screen saver, I patiently waited in front of the machine for five minutes to see if the money was going to be showing up on my account, it never did, they have a XXXX number on the Atm that I called but the Programing wasnt allowing me to press any options, so I sat there fresh rated for maybe 30 more minutes, I decided to call my wife to see if she can call the one XXXX number from the house phone she had the same results, The next morning XXXX XXXX to call the make of XXXX to make a dispute about the trans action, they told me it would take XXXX to XXXX business days, today XX/XX/XXXX I called and they said that the dispute was finished and they denied me my money, ill be quested for the cameras that on the ATM and they said it would be two more days
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 XXXX  XXXX inaccurate XXXX XXXX inaccurate Munipl # 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.

Please remove these accounts
Product: Debt collection

My credit score was recently reduced from a creditor claiming that I owe money regarding a traffic citation. I had made disputes on my report regarding several alleged citations issued by the state of Wisconsin and was removed from my credit report. XXXX months later, a new collection agency appeared to have maid another claim. At no point had I ever made a promise to pay to the state of Wisconsin either through verbal or contractual agreements. 

I would also like to add, throughout the last XXXX years these creditors have continuously reported to the credit bureau 's for citations that have been paid. When asked why it had even reached a collection agency being the citations were paid on-time, the response was " because you did n't pay a {$5.00} fee along with the citation. '' This includes XXXX 

This has been going on with the state of Wisconsin for MANY years now. I ca n't help but feel that I have been treated unfairly by the state as well as their creditors. These traffic citations has not only hurt my driving record, my credit report as well as my occupations. At what point is this punishment enough? These citations have dramatically impacted the quality of my life ... .. A TRAFFIC CITATION. 

My credit score dropped XXXX points from this most recent attack. I really had high hopes in creating a better financial profile for myself being I 'm going into accounting.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX || Date- XX/XX/XXXX XXXX. XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXXL || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX
Product: Bank account or service

Several years ago Union Bank of Ca switched my checking account from a standard account to one that required a {$10000.00} min and would pay interest. It also would charge me a higher fee if I did n't maintain the balance. I was never asked to switch accounts or contacted in any way. I just noticed the higher fees on my statement. I called and was told that a teller ( I recall XXXX ) in a branch in XXXX which I 'd never been to had made the change to my account after someone cashed my check at that branch. When I heard the XXXX story I realized this could have been a similar scam.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and there's a lot of inaccurate information and unauthorized infractions as well as fraudulent information such as address and unknown phone numbers reported on my profile. I request that this information be removed under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of 15U.S code 1681i Procedures in case of disputed accuracy ( 1 ) Reinvestions of Disputed Information ( A ) In General Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, The agency shall, free of charge, conduct reasonable reinvestigation to determine whether the disputed information in inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller
Product: Debt collection

As the issue was resolved through Equifax investigation, it did take a year of writing, phone calls and diligent follow up with Equifax. 

The agency, XXXX XXXX and XXXX of XXXX Md, according to the online profile, is an agency whose customers are rental agencies. Soon after my court date, I would say within weeks they reported to Equifax an amount greater than XXXX dollars due without proper paperwork to support their claim and Equifax then published that information. 

From the rental office to the executive office of XXXX XXXX, I spoke to and was given an assurance that was an error, and their files do not have me owing them any monies. Yet the collection notice remained and has had an adverse effect upon me establishing credit, and credit checks. 

It took another six months for XXXX to send their supportive documentation, a handwritten summary of the walk through done by their property manager after my departure. No court stipulations, nothing. 

I've asked Equifax for a summary of their investigation cc below : XX/XX/XXXX Re : confirmation # XXXX I received the results of the above investigation and its results that the information was deleted from my file. 

I am requesting from Equifax a description of the procedure used to determine the accuracy and completeness of the information provided by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX and subsequently was placed as a collection notice on my credit report starting XX/XX/XXXX. 

Thank You XXXX XXXX  : Consumer Financial Protection Bureau
Product: Student loan

Back in XXXX I co-signed for my daughter to obtain a student loan for XXXX school. The original loan was for XXXX. Today it was brought to our attention that she still owes XXXX on a XXXX loan that she has been paying off for the past 9 years. I spoke to an agent at Navient and they say the loan will be paid off in XXXX. Now that is 17 years of paying XXXX per month, which she has been doing for thee past 9 years. According to our calculations, we are paying XXXX in interest on a loan that was initially XXXX ' I went round and round with these people and they disgust me the way they are ripping us off. What can be done, if anything, to resolve this matter? Is n't it illegal for a company to charge that much interest? The interest rate on the said loan is 9.25.This means that we will be paying XXXX for borrowing XXXX. The school that she attended was The Ohio XXXX XXXX XXXX XXXX. The original loan was through XXXX XXXX and when they closed Naviant took the loan over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Consumer received notification from Experian ( " hereinafter referred to as " Company '' ) that it would not remove an erroneous reporting of a 30-day delinquent report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX '' ) despite the fact that XXXX failed to provide proof that it provided Consumer with a written financial statement verifying the increase in monthly charges. Without this written verification detailing all proper and authorized charges, including any additional taxes owed, any 30-day delinquent notice for failure to pay these unverified charges is in error and should be removed from Consumer 's credit report immediately. It is not enough for XXXX to provide a lease agreement that shows that Consumer agreed to pay all taxes that may become due throughout the course of the lease. Instead, XXXX is required to provide the Consumer with a written financial statement that details the additional tax as it becomes due, including the exact amount, tax rate, and to which jurisdiction this amount is owed. Otherwise, any increase in monthly charges, including charges for purported taxes, beyond the contracted amount, is unverified and therefore unauthorized. XXXX never provided the Consumer with a written verification of the purported additional taxes and also failed to verify such taxes via verbal conversations over the phone. Instead, the Consumer was given  conflicting and mixed responses by XXXX 's representatives. For instance, at one point a XXXX representative informed the Consumer that the additional monthly tax was for state sales taxes despite the fact that the Consumer had already paid the state sales taxes via her car title and registration application. As a result of this lack of verification and conflicting responses by XXXX and its representatives, the Consumer did not pay the unverified and unauthorized charge of {$710.00} for the month of XX/XX/XXXX. Per Consumer Fraud laws, the Consumer is not required to pay any unauthorized charges. In conclusion, the 30-day delinquent notice reported by XXXX for Consumer 's failure to pay the unverified and unauthorized monthly payment of {$710.00} for the month of XX/XX/XXXX is in error and should immediately be removed from Consumer 's credit report by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian AND XXXX are both reporting completely different filing dates, closing dates and court names for chapter 13 bankruptcy on my credit report. I have called to both of these companies to report this issue, but it has not been successful. They told me that the information was accurate and the information came from the courts, which I know my rights and know thats a lie. The courts DO NOT report or confirm these public records with the credit bureaus. I have asked for this public record to be removed from both bureaus due to the inaccuracies, but it has not yet been removed. These are inaccurate, in addition to, damaging my credit score further. These are the inaccuracies as follows : Filing date : Experian- XX/XX/XXXX XXXX  XX/XX/XXXX Closing date : Experian- XX/XX/XXXX XXXX Court name XXXX Experian- US BKPT XXXX TN XXXX XXXX FEDERAL 15 usc 1681n Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would love to see this issue resolved immediately please and thank you so very much.
Product: Debt collection

I am experiencing financial hardship due to prolonged unemployment. I initiated a loan assistance application because I was unable to make my mortgage payments and yet JP Morgan Chase has been using Collection calls to harass me to make payments. 

I have applied for loan assistance via two applications on XXXX XXXX, XXXX and XXXX XXXX, XXXX. XXXX XXXX XXXX is my SPOC and that has not changed. 

Over the last several months, several Chase employees call and demand for different documents to be sent. 

I have complied with all their requests. I have sent the following documents : 1. Personal and Business Bank account statements. 
2. Tax transcripts for XXXX & XXXX, including all Schedules. 
3. Investment account statements. 
4. Food stamp benefit statements and 60-day Food stamp transactions. 
5. Rental condo Lease & Rent Deposits. 


All these documents have been faxed to Chase using the fax machine at one of their local branches. I have copies of these fax confirmations. My contact information, loan number and property address has not changed either. 


To resolve this continued harassment of document requests, I told XXXX that she needs to put document requests in writing. She has avoided doing so. I also told her that I will be getting a XXXX Counsellor to conference the XXXX of us so we can go over any document requests that are pending. 

XXXX Counsellor XXXX XXXX XXXX tried to conference me and XXXX on XXXX XXXX, XXXX at around XXXX PST. XXXX XXXX XXXX who got on the call told us that XXXX XXXX had gone for lunch. 

XXXX XXXX arranged for a conference call the next day at XXXX PST. XXXX avoided initiating the call and then later called back 30 mins later saying she was confused as to the exact time of the conference call. XXXX avoided initiating the conference call. 

Since then XXXX gets others on her loan assistance team to call me up and demand documents that I have already sent. This has happened over 4-5 times. 

On XXXX XXXX, XXXX I got a call from XXXX XXXX once again demanding a new set of documents. I asked her to ask XXXX to call me back, but XXXX is not contactable. 

I called XXXX XXXX, XXXX at around XXXX PST. The person who came on the phone call refused to connect me to XXXX and hung up the phone call. 

I called back and spoke to XXXX XXXX. I left XXXX a voicemail indicating once again that I have completed her document request. If there is any other document needed she needs to call and not instruct others to call me with random requests for new documentation that they make up on the fly. 

Instead of processing my loan assistance application and providing me with a loan forbearance and loan modification, JP Morgan Chase has resorted to harassment calls by Collection agencies during the day and repeated document requests by other team members in the loan assistance team but instructed to harass me by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to Experian through XXXX XXXX Mail, Tracking # XXXX. 

This information was also uploaded online through Experian Dispute portal. I have spoken to several Experian XXXX XXXX members as well. I also pay Experian membership for credit monitoring $ XXXX. Experian Membership # XXXX Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, Experian XXXX XXXX nor the XXXX Department has done any corrections to my credit report. 

Unfortunately, as a result of this inaccurate information reporting by Experian, other credit agencies such as XXXX and XXXX is also reporting this fraudulent inaccurate information. XXXX and XXXX has confirmed that they are reporting as for the information provided by Experian. 

I am in the process of refinancing my house, due to Experian reporting inaccurate information which is a result of identity theft I was denied the mortgage.
Product: Credit reporting or other personal consumer reports

I was sent to Collections ( Portfolio Recovery ) in XXXX for a past due balance on a XXXX credit card. Portfolio Recovery sued me in XXXX, I hired an attorney and was willing to negotiate pay options. My attorney and I went to court in XX/XX/XXXX and the attorney for Portfolio Recovery did not show up. The judge threw out the case ( I have documentation ) and I have been trying for at least 2 years to have this removed from my credit report. My dispute keeps getting denied even after Ive provided proof that this case was thrown out. Recently Portfolio Recovery has begun contacting me again about the same debt. I just want this removed from my credit report and for them to stop contacting me as Ive already gone to court per their request, they didnt show up and the judge threw out the case.
Product: Credit card

I ordered a XXXX XXXX from XXXX on XX/XX/XXXX, with an expected delivery date of XX/XX/XXXX. After receiving an email notification that my package had been delivered, I found no trace of it at my residence. I contacted XXXX to report the missing item. They initiated an investigation and initially offered to refund the purchase but later claimed that the product had indeed been delivered, sending me a photograph of an envelope-sized package on a publicly accessible road as proof.

This package, not containing the XXXX XXXX I ordered, was no actual evidence of delivery. After consulting with neighbors and family members, it was confirmed that no one had seen the item. I communicated these findings to XXXX, emphasizing that the photo did not show my actual purchase and expressed concerns about the delivery location 's security. 

Despite this, XXXX insisted the item was delivered and directed me to request a chargeback through my credit card provider, Chase. I followed this advice, and initially, it seemed resolved until Chase reversed the chargeback, withdrawing the amount from my account again, citing the same inadequate photo as evidence of delivery.

I have since repeatedly contacted both XXXX and Chase to resolve this matter. XXXX has not provided further assistance or proof that the envelope contained the XXXX XXXX. Meanwhile, Chase has asked me to submit additional documentation to support my case, which is challenging as it is impossible to provide evidence for an event ( the delivery of the actual product ) that never occurred.

I am now left without the product and the money I paid, with both XXXX and Chase providing no further assistance. I seek intervention to address this mismanagement of my consumer rights and request a fair resolution to my chargeback dispute.