23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am XXXX XXXX XXXX, age XXXX XXXX NC. and am professionally employed in the XXXX XXXX XXXX XXXX industry for over 30 years and a resident of XXXX for 33 years. I am a homeowner with a mortgage for now 23 with stellar credit since at least XXXX per all 3 Bureaus. I check them often and even pay services to all 3! 

I tell you for very important reasons. On or around XX/XX/XXXX Equifax and them alone dropped my credit score over 101 points overnight ... while the other two went up 30 or so because I paid off a few credit card balances.. I was stunned. It took me over a week to figure out where the issue was hidden and I had to call Equifax. They had reported a deliquent Closed revolving account sent to a XXXX XXXX for a XXXX or XXXX XXXX XXXX of {$1000.00}. Well, I have never lived in XXXX, I called this collections agency thinking this was ID theft ... and they did say no one matched my name and SS #. I filed an online dispute and 30 days it was removed. 

i later found 3 Department of Education Loans In Default taken around XXXX!! I was horrified ... I have not been a student to take any loan with a federal program at that time. I graduated from college in XXXX! I complained to Equifax again on their terrific mistakes and disputed ... finally they removed 2 but not the 3rd!!! see below!! 

I called the number listed and this is a SCAM NUMBER ... it tries to sell you products. 

I have placed a lock and freeze on all 3 Bureau for me..But this is only Equifax and they will not speak to me about this. I need help as to why a scam situation is allowed to do this with Equifax and I pay them with their Premier Plan to monitor!! 

My rights do seem to be violated and my online dispute on the 3rd DOE dispute is more than 30 days! ... Can you please assist me? 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Overview Account Number xxxxxx XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification EDUCATIONAL Loan Type EDUCATION_LOAN Original Creditor Name XXXX XXXX Months Reviewed 54 Activity Designator Terms Frequency SINGLE_PAYMENT_LOAN Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$1400.00} Credit Limit High Credit {$1100.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CONSUMER DISPUTES REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT For questions regarding this account please contact : US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Checking or savings account

I was at the county building in XXXX California in XXXX and I was leaving when a XXXXXXXX XXXX guy ask me if I want to make some money he told me to open a bank account and he will show me so I went to the Bank of America opened the bank account then he asked for my bank card and pin and I gave it to him because I thought I could trust him but I was wrong he took my card left me hanging I got no bank account because no bank will allow me to open a account because of suspected fraud activity.I dont no what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan showing open XX/XX/XXXX with the XXXX XXXX, which I did not open any loans with anyone in XXXX. When I contacted the XXXX XXXX on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted XXXX XXXX XXXXXXXX they said they did not have a file for me and to contact XXXX XXXX. I spoke with XXXX XXXX and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX General Counsel For XXXX XXXX XXXX stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX Experian claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, XXXX XXXX Account Number : XXXX ..., XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account number : XXXX, XXXX XXXX  XXXX Account number XXXX ...., XXXX XXXX XXXX  Account number XXXX .... XXXX XXXX XXXX XXXX Account number XXXX ... .has violated my rights. 

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

15 U.S.C 1681 section 602 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX which was my 2nd letter informing the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX. If the Credit Bureaus claim that the disptued Items belong to me, I need the Credit Bureus to send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I seek, Please remove the disputed items as soon as possible,
Product: Prepaid card

Subject : Dispute Resolution Issue - Negligent Closure and Loss of Funds Dear Consumer Financial Protection Bureau, I am filing a complaint against NetSpend regarding a recent dispute I filed concerning a transaction in my NetSpend Wallet. Despite my efforts to resolve the issue, NetSpend prematurely rushed and closed my case, seemingly in an effort to benefit the company rather than ensuring a fair and thorough resolution. 

As a consumer, I am entitled to a thorough investigation into my dispute, and I was not provided this level of service. The dispute was closed without the proper consideration of my evidence, leaving me with a {$500.00} loss that remains unresolved. I believe that NetSpend did not uphold my right to a full and fair investigation and instead took actions that favored their interests. 

I request that the CFPB assist in ensuring that NetSpend properly investigates my dispute and provides a resolution that is in accordance with consumer rights. 

Thank you for your attention to this matter.
Product: Mortgage

All of us " Retired Baby Boomers '' ( which increase XXXX / day ) who have lost their working income and now have SS benefits and assets. 

1. We can not refinance our mortgages.

2. Refinancing which would give us monthly payments of half with the lower interest rates. A decrease from $ XXXX ( more than my {$1800.00} SS ) to {$950.00} mo. 

3. Because we can not refinance some seek foreberance or worse. 

4. So, I ask that you relax the re-fi rules for seniors so they can refinance their current mortgages without having to meet any old requirements. If, a mortgage is being paid and has been paid, why put anyone in a financial squeeze especially our seniors why not let all of us refinance. 

5. This appears to be a win-win on both sides and if you run the numbers helps our seniors avoid forebeance or worse and helps the servicers etc ... ... ... ..Please!

6. This mortgage company sent me the attached ; they do not follow Cares Section 4022 and I have a complete record of how they do not.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number : XXXX, a collection account XXXX XXXX XXXX ( original creditor XXXX XXXX for a fraudulent credit card ) on XX/XX/XXXX under the account number : XXXX, and a credit card collection account XXXXXXXX XXXX  on XX/XX/XXXX under the account number : XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. FTC identity theft report for all of the 3 mentioned accounts is in the attached document. I have also included a related local police report from XXXX XXXX POLICE DEPARTMENT whereas an individual used a fake ID with my information and their picture to fraudulently open a bank account in person, this is suspected to be the same individual who has stolen my identity with the aforementioned accounts. I have included a copy of my Drivers license and Social Security card to validate my real identity. All of the mentioned information is included in the attached PDF document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and decided to write cfpb because this has been hurting me for awhile. i would like you guys to see how inaccurate experian is reporting about these accounts. I reached out to them but no response. They are on my report so they must be 100 % accurate. if they are not please delete them and notify me so i can move on with my life. Thank you.
Product: Mortgage

XX/XX/XXXX a deduction of {$4800.00} was taken and paid out of our escrow account to pay property taxes for an incorrect Parcel # located in a completely different county. 
Our property taxes {$3300.00} have not been paid and a 10 % late fee has been added. 
To date XX/XX/XXXX, Funds have not been put back into our escrow account and our taxes have yet to be paid. 
We have received an escrow account analysis which is incorrect based on our account reflecting we have a {$9700.00} property tax bill yearly, which has now caused our mortgage to increase from {$1500.00} to {$2400.00} starting XX/XX/XXXX. 
Our money has been mismanaged!
Product: Credit reporting or other personal consumer reports

XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights violated numerous time. The credit bureaus violated my given right under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States have the right to privacy. According to 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. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I lost an old computer after I lost it I didnt think much of it I look at my bank accounts and realized someone made purchase with my Chase account eventually I had to change all my password. I called Chase to make a fraud case they opened up and on XX/XX/year> they remove the credit because they said I was only do partial when I called on XXXX the person says they are still reviewing the dispute nothing made sense she really couldnt explain to me anything
Product: Money transfer, virtual currency, or money service

WESTERN UNION LOCKED MY ACCOUNT WITHOUT EXPLENATION.

SORRY... IS NOT ENOUNGH.!!!

I HAVE BEEN XXXX CUSTOMER FOR MORE THEN 20 YEARS. 

I AM RETIRED AND I NEED THE SERVICE. 

WHAT KIND OF CRIME HAVE I COMMITED AGAINST XXXX??? 

I LIKE TO KNOW, SO I CAN APPOLOGISE, PAY FOR THE CRIME, CORRECT THE PROBLEM, OR DO WHATEVER THE LAW REQUIRES. 

BEST REGARDS, XXXX XXXX
Product: Checking or savings account

Multiple dates varying and or starting from XXXX  or maybe earlier. Fees were charged for insufficient funds even though the charges were made when funds where available and reflecting on the account. When disputing with the bank, sometimes the fees woukd be credited in some areas but just to turn around and have more fees applied somewhere else. This has been an on going problem til this day. Even when having deposits made and having money available, somehow fees were still applied so much so that would then show as no funds available for anything else and causing more fees to be applied
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX  on XX/XX/XXXX under the account XXXX ( private ), a furniture loan account opened at XXXX XXXX opened on XX/XX/XXXX XXXX ( private ) XXXX XXXX XXXX  opened on XX/XX/XXXX under account XXXX ( private ) XXXX  accounts opened for XXXX XXXX on XX/XX/XXXX under the account XXXX ( private ) and XXXX XXXX XXXX  on XX/XX/XXXX under the account XXXX ( private ), for XXXX XXXX on XX/XX/XXXX under the account XXXX ( private ) XXXX XXXX  opened on XX/XX/XXXX under the account XXXX ( private ) and XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX under the account XXXX ( private ). Personal installment account opened at XXXX XXXX opened on XX/XX/XXXX under the account XXXX ( private ) and XXXX XXXX XXXX opened on XX/XX/XXXX under account XXXX. For apartment at XXXX XXXX  XXXX XXXX  on XX/XX/XXXX under account XXXX ( private ) and XXXX XXXX XXXX XXXXXXXX XXXX TX on XX/XX/XXXX under account XXXX ( private ), XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX under account XXXX and the XXXX XXXX on XX/XX/XXXX under account XXXX that appears related to the aforementioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have disputed the reported accounts on my credit so many times and they refused to remove them. XXXX XXXX Dealer Service. Please help
Product: Vehicle loan or lease

My car loan was with XXXX XXXX in New Jersey. I have been paying for over a year. I had a 10 day grace period. 

They " sold '' my loan to American Credit Acceptance. The only thing I received from this company was a letter stating that they had bought my loan, there were no notices included, I called them. I no longer have a grace period and was informed by American Credit Acceptance that if I'm late ( even one minute ) I accrue a {$2.00} a day late fee until I make my monthly payment and  when I make the payment, the ENTIRE payment will go towards the interest only. 

Every car loan I have ever had gave a grace period. 

I am on Social Security. If they are going to apply a late fee every month and apply the entire payment towards interest only, I'll be doing nothing but supporting that company and will never have anything applied toward the principle. 

It's bad enough that on a USED CAR LOAN I have a 23.9 % interest rate ( that's right 23.9 % ), but now I'll be paying that for the rest of my life because, being on Social Security I will never be able to pay on the exact due date. 

This company is a loan shark, shylock organization. 

I asked them about refinancing and they said I need to get a loan some place else if I want to refinance as they ONLY BUY LOANS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people. Please I want to get this solved asap.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested documentation showing proof of transaction that I was ever late. FCRA allows 30 days for this to be rectified, your bureau has failed to supply documentation. Please remove inaccurate information and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have tried to get this company to do the correct thing in removal of in correct items off our Credit Reports ; to only encounter prolonged wait times and each time taking an additional 30 days when the item was not investigated properly for removal. Supportive Information being sent over and over to not get the results due the consumer. Often this keeps score lower than they should be and incorrect denials of Credit due to inaccurate items on your Credit Report. You should not have to wait an additional 30 days once the initial complaint is filed this should get this investigated for automatic removal an a re-score sent to the company that rejected the consumer with a explanation as to what happened with your Credit Report.