23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

It's been over a year since i've tried to close my account. I submitted this claim to the CPFB a year ago and paypal still refuses to close my account!
Product: Mortgage

The property is a condominium. The building has its own flood insurance which it is updated in my mortgage provider 's system every year ( UWM ). 
This year they decided to purchase flood insurance for me despite the fact that I already have insurance. I have been calling them every week, sending them proof of insurance and all the documentation that they request, but they keep charging me an extra {$320.00} every month. 
I don't know what to do. If I don't pay it could affect my credit, but they are not paying attention to me or my complains.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting or other personal consumer reports

I CONTACTED THE COLLECTION AND CREDIT BUREAUS ABOUT THE SITUATION AND THEY DID NOT DO PROPER INVESTIGATIONS OF ALL OF THE CREDIT BUREAUS XXXX, EQUIFAX, XXXX, AND XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a payment of {$9300.00} FROM MY SECURED ACCOUNT WAS transferred OUT OF MY CREDIT BUILDER ACCOUNT with CHIME .... THEN AGAIN IN XX/XX/year> ANOTHER PAYMENT OF {$110.00} FROM MY SECURED ACCOUNT POSTED TO WHERE THAT MONEY HAS GONE. N CHIME BANK CHIME FINANCIAL INSTITUTION HAS NOW ON DAY 4 THREATENED TO CLOSE MY ACCOUNT WITHOUT RETURNING MY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft occured with serveral accounts that are listed on my credit report! 
All listed fraudulent accounts were sent to each credit reporting agency. It is a violation of my Privacy Act and against the law for someone to use my personal information to commit fraud. 
Police report is available to substantiate claim with an arrest and person charged and taken into custody! 
REMOVE ALL ITEMS LISTED TO CREDIT REPORTING AGENCIES
Product: Debt collection

I HAVE RECEVIED A DOCUMENT OF LEGAL ACTION AND I DO NOT OWE THIS DEBT I'M UNAWARE OF THIS DEBT. I HAVE REQUESTED THE SIGNED APPLICATION FOR THE LAST 15 MONTHS FOR THIS CREDITOR AND THEY HAVE FAILED TO PROVIDE DOCUMENTATION.
Product: Credit reporting or other personal consumer reports

15 USC 168Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act the following Creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00} ; Inquiries : XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry DateXXXX
Product: Credit card or prepaid card

Somehow, an Amazon/Chase credit card account was evidently opened in my name. 
I have been caught in this for about 4 months. I called Amazon, they said I had to call Chase. I have called them 2 times. They told me that the card would be canceled. I don't even know the card number. They say I owe {$32.00}. They told me they would cancel the charge and cancel the card on both calls. Yesterday, I got the same bill as when this started. I don't know what to do. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not updated the payment status on Equifax &   XXXX   to paid. Equifax is still reporting " Bad debt & placed for collection & skip '' The balance is  XXXX .
Product: Credit reporting 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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 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 according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have the Paypal MasterCard. Since I have had the card, each time I make a payment, my available credit is not updated in a timely manner. This occurs with each payment since obtaining the card, XX/XX/XXXX - XX/XX/XXXX. Each time, I have to call customer service and request that they update my available balance. The first time, they told me I had to wait 16 days. Since then, I usually wait 7-10 days before demanding the update. They always update it when I contact them. I just want it updated automatically in a timely manner. However, I have been told that the payment holds are system generated and can last anywhere from 48 hours to 21 days before being released. I have requested a supervisor to a system override if that is the case, and been told that is not an option. I reviewed the terms of usage for the card and there is no disclosure about such payment holds.
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error. My credit report has some false and not XXXX XXXX accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.
Product: Checking or savings account

On XX/XX/XXXX Chase Bank printed and sent a letter to me, threatening to close my account because of a negative balance. I sent a message to Chase Bank on XX/XX/XXXX regarding those account errors, things I am aware of, and changes I'd like to be made. They addressed a small portion of my letter on XX/XX/XXXX, but disregarded the rest of my letter which was very important. They chose to ignore my request as the consumer, and incur more damages as the days go on, as I don't have my desired results. I exercised my right of rescission pursuant to 15 USC 1635 to increase the credit limit for my open end credit plan. Chase Bank and employee 's have broken Federal Law and they are to be held liable. Pursuant to 15 USC 1640 ( a ) ( 1 ) and 15 USC 1640 ( a ) ( i ) they are liable for any actual damages, and double the finance charge of this consumer credit transaction. I would like Chase Bank to send over my file ( 15 USC 1681a ( g ) ) and/or any and all documentary evidence ( 15 USC 44 ) you have on this account, including the finance charge/sum of all charges 15 USC 1605 ( a ), public, private, verified and unverified, through paper mail.
Product: Debt collection

On or about XX/XX/2021 Velocity Investments LLC/ Velocity Portfolio Group contacted me via dunning letter attempting to collect a debt, by assuming I owe a debt to Velocity Investments LLC/ Velocity Portfolio Group ( Exhibit A attached ). On XX/XX/2021 I mailed a letter request that they validated the debt ( Exhibit B attached ). On or around the last week of XX/XX/2021 I received a package from XXXX XXXX, XXXX with countless document associated with my credit file/report which I never gave them authorization to obtain. XXXX XXXX XXXX is in Violation 15 USC 1681q, 15 USC 1611 ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c, 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 14 ), 15 USC 1692f ( 1 ), 15 USC 1692g and 15 USC 1692j ( a ).
Product: Mortgage

Mr. Cooper has drug their feet paying our homeowners insurance and in turn have had our insurance company send us multiple delinquency notices. They have since sent a replacement policy back on XXXX XXXX XXXX XXXX, they are saying they still have yet to receive payment but its been taken out of our escrow.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit..
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Your listing that CREDIT CONCEPTS account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type XXXX XXXX XXXX XXXX and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing XXXX XXXX {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past three years there is a XXXX account that keeps popping up on our ( my spouse and mine ) credit report. After providing documentation it is removed to come back on in six to nine months. We are never alerted to the account getting ready to report, which per the FCRA we should receive a notice within five days of the account to be posted to our reports. Once this account is removed from one report, the status changes on the other bureaus ( changes from Joint to Individual or the last reported date changes but the account number stays the same ) and we have watched this happen not only on this account but on several of the others. This account has been sold three times to other " collection companies '' that are actually part of the same company and still reporting the same account - this is per the XXXX Legal Department who has helped me with this issue. 
After consulting with the three Credit Bureaus ( over 15 calls placed to them over the last four days ) we were told the following : 1. We could resubmit the information ( this is after I faxed, emailed and regular mailed the information ) and the bureaus would get back with me.

2. Regardless of the laws passed in the FCRA, I am not able to submit to the three bureaus any account that I have that isn't being reported if that company is not a paid member of any of the bureaus - see the Town of XXXX, XXXX docs below 3. I may submit, in writing, a statement to be added to my report but it will be screened and up to the bureaus to add it to my report and will be removed after 30 days ( it will take approximately 90 days to approve it ).

4. If there is a disputed item, the company has 90 days to review the claim and E-Oscar will handle the claim, not the company.

5. If it is found that I am in the right, then the credit bureaus have 90 days to remove the account in question. 

I have received screen shots, emails and documents from some of the companies that have requested that their accounts be removed or updated on our reports and the bureaus have not completed the requests, or the scores are not updated when the items are updated. Our scores fluctuate around 20 to 60 points per month because of all of this. Since the Credit Bureaus have control over everything dealing with our day to day life, dealing with these bureaus has become quite the experience. We have spoken to people from XXXX ( call centers ) to supposed supervisors to specialty departments with very little solution to our issues. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX 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

We fell behind in our payments back in 2014 following a really unreasonable modification. The modification was over {$1300.00} and placed our loan into 40 years. At XXXX years old we will never live to pay this off. A few months after the modification the payment went down to {$1200.00} a month. We fell behind XX/XX/XXXX due to the fact I am having health problems and my medical condition is on going at this time. We also lost about {$400.00} a month in income due to family members moved out of the home, in which they where contributing to the household at the time. We received a notice from the mortgage company Nationstar that we had to have in a payment just over {$2000.00} by a date in the letter in XX/XX/XXXX. We contacted our point of contact person XXXX XXXX and informed her we where having difficulty and that we needed more time. Again we contacted our mortgage company and the man that answered the phone told us we had to have in over {$4000.00}. We informed them we did not have that much but could make a payment and where awaiting our tax return. Within a week the amount went up to over {$7000.00} and they turned the account over to a lawyer for collection and foreclosue precedings. We have attempted since XX/XX/XXXX to make a payment in order to get caught up but they will not take any payment, in order to help us out. Now we can not even get a response from XXXX XXXX at Nationstar or the law office they sent the account to for collection. In the meantime we are just getting further and further behind. We where not looking for another modification just a forbearance to get us time to get our finances back on track. We did get a letter from someone at Nationstar that handles compliants but that only puts the side of the story out that tells how we are behind. How they says they are out to help us and wo n't even return our calls or talk with us. Feeling stressed out due to we have a son with a XXXX and fear we will be out on the streets.
Product: Credit reporting or other personal consumer reports

I believe ive been apart of a breach ive never had anything to do with the following companies I believe these are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my report, please remove all negative items cause there are hurting my abilities to obtain credit.
Product: Checking or savings account

I received a court order from XXXX XXXX surrogate court to gain access to my grandfathers safe deposit box in XX/XX/year>. HSBC now XXXX XXXX, did not honor the order. They ignored the order. As well as a POA I had for my grandmother. HSBC employees took the death certificate and did not honor the POA. Consequently, my grandmothers nephew somehow has his name on my grandfathers account. I believe fraud is involved because my grandmother recently passed away and the nephew did not inform anyone who cared including her church of over 30 years.
Product: Credit card or prepaid card

I have been struggling with Bill Pay issues with Bank of America since the beginning of XX/XX/2018. This Bill Pay issue, which is some type of error in their backend system, prevents me from getting eBills, and subsequently from setting up any type of automatic payment. This affects my current credit card and I have had to make manual payments to my credit card bills for all this time. The issue seems to have stemmed from me opening a Bank of America checking account, which apparently transfers my other account information into a different backend system than when I only had a credit card. This is when the issues started. When I closed my checking account to try to resolve it, the issue remained.

I have called Bank of America and utilized secure messaging a ton of times now to try to resolve the issue, and each time they tell me they have it handled, but I'd have to wait until the next billing cycle for it to resolve itself. The next billing cycle comes, and the issue is still not resolved and I can still not setup automatic payments for my credit card.

Obviously, it's in Bank of America 's best interest financially for me to not have automatic payments, as it would mean fees and interest for their revenue, and I'm wondering if they're not doing this on purpose because I can't imagine any tech support team being this incompetent in that after 8+ months, they still can't resolve the issue.
Product: Credit card or prepaid card

My credit report has XXXX  accounts that are reporting with XXXX. XXXX account is a {$500.00} XXXX XXXX XXXX, the other is {$300.00} Kohl 's card. I have not applied for any credit with either one of these credit card companies. Along with the reporting, I have NEVER received a credit card from these 2 companies and during the time that that I have been trying to get this issue resolved, I have noticed that they are reporting this payment as being paid on time, then it will go in into late payments status ( Kohl 's ). As for XXXX XXXX, they have added late payments to my credit report. I was able to get this issue resolved with XXXX, XXXX on the other hand is allowing these companies to continue to report theses fraudulent accounts on my credit file and I have been disputing the matter since early XXXX. 

Each time, I dispute the accounts, they are sent back into re-investigation status, ULTIMATELY ALLOWING KOHLS & XXXX XXXX BANK TO CONTINUE REPORTING THIS UNVERIFIED FRAUDULENT ACCOUNT. 

I have had excellent payment history until this issue. Now, my credit is going down the drain, due to the false reporting of the XXXX companies