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

I am a natural person who has rights as a consumer. I have been going back and forth with Experian for years trying to remove inaccurate items reporting on my consumers report. Not only are these item inaccurate but they were place on my credit report with out my consent. According to the FRCA The term " 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. There for it must be removed. Experian stated that thing were accurate before and I sent in proof that it was not. There for this company is not trustworthy. Instead of removing what they felt were inaccurate they updated. Please show me in the law where it states to update. According to 15 usc 1681a ( 5 ) I if items are not accurate it shall be deleted. I also would like for this company to show proof that they completed and accurate the investigation according to Law. What family member, neighbor, or associates they have reached out to on my behalf. It is not a complete or accurate investigation of this company only reached out to the company because that is bias. According 15 usc 1681a ii ( a ) I A consumers report does not included any transaction or experience with consumer ( me ) and person ( corporate ) asking report, which mean the items being disputed should not be on my consumers report at all. According to 15 USC 1681a ( 2 ) a ( i ) So far this company has violated several of my rights as a consumer, deformation of my character, and helping companies that has committed fraud using my credit card. I want this items removed now or I will take legal action. 
Account that should be removed is : Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Late Payments on a Closed Account ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account is reported as " Paid, Closed '' as of XX/XX/XXXX, meaning no further payments were due after that date. 
However, the report incorrectly shows a XXXX late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX, despite on-time payments being reported for prior months. 
If the account was closed and paid, it is factually inaccurate to report delinquencies during that time, violating 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of an account. 
Failure to Accurately Update Account Closure Status ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance section of the report is blank, yet the payment history reflects a past due status, which is contradictory. 
The reporting does not clarify whether any outstanding balance was due at the time of closure, making it unclear and misleading. 
This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires accurate and clear credit reporting to ensure the account details reflect actual payment history. 
Failure to Provide Correct Payment History on a Paid Account ( 12 CFR 1002.10 Furnishing of Credit Information ) Since the account is marked as " Paid, Closed, '' it should not continue to reflect missed payments after closure. 
The reporting of late payments on a fully paid and closed account is inaccurate and misleading, which negatively impacts my credit standing. 
This violates 12 CFR 1002.10, which mandates that creditors ensure credit information is furnished accurately and updated properly. 
Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information requires that creditors ensure credit information is correct and properly updated. The erroneous delinquency reporting on a paid account violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.
Product: Credit reporting or other personal consumer reports

I requested proof of all documents including all applications, identifications or any information that may have been used in aid of me rectifying these fraudulent accounts. Legal court documents were also sent to the address on file from a tenant at that address regarding the dissolution of debt which is what brought the awareness to my credit report in which the company has received and should have been resolved. This is also public information. There is no way in which I can provide card numbers or security codes for cards I've never obtained nor attempted to obtain. There are two accounts that have an approximate value of $ XXXX that are fraudulent and the company had and still has no permissable purpose to add fraudulent information to my credit report. I have nothing to show, prove nor represent in regards to this matter, ONLY COURT DOCUMENTS FROM THE XXXX XXXX COURT which have been previously sent in to the credit bureaus and the creditors.
Product: Mortgage

Began to make a mortgage payment online beginning XXXX XX/XX/2023. Unable to log on for several days straight. Finally found out XXXX 's computers are shut down due to an security problem. I called them on XXXX XX/XX/XXXX  and obtained this information. They said there is no way to make a payment with the exception of sending the payment through the USPS. I am away from my home area and have no checkbook with me and my bank has no branches here plus USPS takes weeks to deliver mail. N way to pay my monthly payment on time now. The company escalated my issue and promised a call back by XXXX XXXX  but didn't call me. I just called them again and was told to not send any payment to them as it most likely will not be processed anyway. I was told to call back next week.
Product: Credit reporting or other personal consumer reports

[ Your Full Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Your Email Address ] [ Your Phone Number ] [ Date : XX/XX/2023 ] Experian XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Reevaluation Request for Credit Report Dispute - Tracking Number : XXXX Dear Experian XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to address my concerns and seek clarification regarding the recent investigation of my credit report dispute, which bears the tracking number XXXX. On XX/XX/2023, I called Experian to dispute certain transactions, and despite my efforts, I received a response stating that all items reported are deemed 100 % accurate. 

I understand the importance of accuracy in credit reporting and respect the investigative procedures undertaken by Experian. However, I believe that certain discrepancies persist on my credit report, and I am writing to provide additional information in support of my dispute. 

Enclosed with this letter, please find documents [ or describe the nature of the documents ] that I believe will shed further light on the inaccuracies reported. I kindly request that Experian carefully review this information and reconsider the accuracy of the reported items. 

Moreover, I would like to draw your attention to Section 1681a of Title 15 of the United States Code, also known as the Fair Credit Reporting Act ( FCRA ). This section outlines crucial definitions related to consumer reporting agencies, consumer reports, identity theft, and other pertinent aspects of credit reporting. As per my understanding of the law, it emphasizes the importance of fair and accurate reporting and provides consumers with the right to dispute and correct inaccurate information. 

I specifically refer to subsections [ cite the specific subsections relevant to your case, if any ], which [ briefly explain the significance of the subsections in relation to your dispute ]. These legal provisions underscore the obligation of credit reporting agencies to conduct thorough and fair investigations and rectify inaccuracies promptly. 

In light of the additional information provided and the legal framework established by the FCRA, I kindly request a reevaluation of my dispute. I believe that a more detailed examination, considering the enclosed documentation and the legal provisions outlined in the FCRA, will contribute to a fair and accurate representation of my credit history. 

I appreciate your attention to this matter and look forward to a prompt response. If necessary, I am available for further discussion to ensure a comprehensive resolution. 

Thank you for your understanding Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Id want to lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

This breach has caused significant distress and concern regarding the security of my personal and financial data.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation was a result of an unfortunate mistake, as I have diligently followed all of PayPal 's policies and guidelines. 

To my knowledge, I have not violated any of PayPal 's terms of service or engaged in any activities that would warrant such severe action. It is disheartening to be faced with this limitation without any specific explanation or evidence of wrongdoing. 

I kindly request that you re-investigate my case thoroughly and consider lifting the limitation on my PayPal account, if it is indeed determined that no violations have occurred. I have always regarded PayPal as a reliable and secure platform for online transactions, and I genuinely value the services it provides. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly ask you to take this matter seriously and provide a fair assessment of my account 's status. I am hopeful that this situation can be resolved swiftly and to our mutual satisfaction. 

Thank you for your attention to this matter. I eagerly await your response and a positive resolution to reinstate my PayPal account.
Product: Mortgage

Respected Sir/Madam, I have started refinancing 2 loans that I had on commercial properties in XXXX in XXXX this year. I started the loan process with Angel Oak Home Loans. The agent involved was XXXX XXXX ( NMLS # XXXX # XXXX ). Offered an interest rate of 3.325 and quick closing. Each of the properties are currently valued at {$360000.00} each and are carrying a loan amount of {$280000.00} each. They initially offered to close the loan with costs around {$9000.00} each. They made me pay {$2100.00} in appraisal costs out of pocket. The appraisals ( through a company that angel oak recommended appraisaltek ) were never sent to me. In XXXX ( after much persuasion and reaching out to management ) I received new disclosures which increase closing costs to {$20000.00}. They had also changed the interest rate on the loans to 3.465 %. They stated the changes were because the appraisals had come in lower than they had anticipated. I know for a fact that my properties would not appraise lower as I had tried to sell them earlier this year and they were appraised between XXXX. By then I had sent them my bank statements, visa documents and personal information ( including an IRS tax statement ). They knew my account did not carry the amount required to close with the spike in the costs. There was no communication from the team unless I repeatedly called them. Finally they send me communication ( via text on XXXX third ) casually asking if I can still afford the loan. In XXXX as i was trying to file this complaint they removed all the paper work that was sent to me on the portal. 

This process was very stressful. Half the times I was not even sure if my loan was being processed. All I had asked for was to let me know if they could close it or not. But they delayed it by 3 months. I had spent {$2100.00}. I feel like I was discriminated and treated unfairly. If they had not intended to close them the least they could do was to let me know earlier, rather than lead me along. 
I want this company to be investigated. To make sure they are not doing this with other customers. I would in the least want my appraisal amount that i paid out of pocket to be compensated. 
Kindly look into the issues. 
Sincerely, XXXX, XXXX. 
( Email : XXXX ; Ph # : XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Fair Collections & Out # 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
Product: Vehicle loan or lease

I paid my account XXXX years ago and never received my title. I called chase after some time and they had indicated for me to call the dealer who indicated that, no, Chase would be the place to contact. I contacted Chase and attempted to get my title sent to me but was not successful. Now I am in need of the title for a new state 's registration and I am still unable to receive my title. 

I contacted them today, XXXX. They transferred me to the auto department, and after provided my information they paused and disconnected the call. Trying to call back, I still unable to be helped and I am in a very precarious position as I must register my vehicle using the title that is rightfully mine. I am now unable to reach anyone regarding this at Chase, and will be seeking legal recourse should the matter not be resolved in a timely fashion. 

In sum, I paid off my loan owned by JP Morgan Chase, never received my title, and have not been assisted in receiving the title for my vehicle since paying it off roughly in XXXX. I am now in need of this to continue operating my vehicle in a new state, let alone access all the other privileges that come with possessing the title of a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX Was disputed and XXXX XXXX the account reappeared on my credit report after the dispute, investigation and deletion. Please see the attached documentation with verification of the deleted account XXXX XXXX, XXXX as well as a new credit report for XXXX XXXX, XXXX and the same is account is there. 

thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person FCRA Section 604 Permissible Purposes of Consumer Reports This section of the FCRA specifies when a credit bureau can legally furnish your credit report to a third party. Some permissible purposes for making a credit inquiry include : Credit Transactions : When a lender or creditor is evaluating you for credit, loans, or financing. 
Employment Purposes : If an employer is performing a background check with your written consent. 
Insurance Underwriting : When an insurance company is considering you for coverage. 
Government Licensing or Benefits : When the government needs to check eligibility for licenses or benefits. 
Court Orders : In response to a valid court order or subpoena. 
Debt Collections : When a company needs to collect on a debt owed by the consumer.

For an inquiry to be authorized, it must meet one of these permissible purposes. If it does not, it is considered an unauthorized inquiry, and you have the right to dispute it.

I have no capital one accounts Ill leave photos below
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX 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
Product: Debt collection

In accordance with the fair credit reporting act these creditors have violated my rights. Under 15USC1681, SECTION 602 STATES I have the right to privacy. 15USC1681 SECTION 604A SECTION 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as LATE for any purpose. 

I also received court documents in the mail from XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Neither Spring Oaks Capital or XXXX, XXXX, XXXX XXXX XXXX XXXX has any rights to collect debt or harrass people in the state of Georgia. 

Spring Oaks nor the law company has licenses to collect a debt in the state of Georgia.
Product: Mortgage

My mortgage through XXXX recently changed companies over to ShellPoint. During this transfer process I requested that PMI be cancelled on XX/XX/year>. I filled out the form needed. The form needed was authorization for internal valuation.. completed by me on XX/XX/year>. The appraisal was done on XX/XX/year>. I received the appraisal and a letter from XXXX on XX/XX/year> stating that I had met requirements, and that PMI was cancelled. Afterwards, my monthly mortgage note lowered the amount of what my PMI monthly charge was. So, I assumed it was cancelled successfully. However, once things switched over to ShellPoint I noticed how PMI was still listed. I also noticed that PMI was still being pulled from my escrow. I have contacted the company multiple times to cancel my PMI as indicated in their letter. It is still not cancelled. Furthermore, for some unknown reason someone manually decreased my monthly note AGAIN the amount of my PMI. So, PMI being pulled plus the lowered amount going in to escrow, I will not have enough in my escrow account come tax time to pay. I have called on this as well and multiple escrow analysis requests have been made. NOTHING is being corrected and XXXX can not receive a call back even though they say they will.
Product: Debt collection

XXXX XXXX has been handling this account. I pay XXXX XXXX a lump sum monthly, and this debt should not have been repurchased by the new debt collector. I keep receiving letters stating that we may be sued even though we requested to not be contacted again.