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

I have contacted Experian regarding several Bankruptcy dismissals that should be deleted on my credit report, but I have yet to hear from them. Although it is their policy to keep reporting Bankruptcies that are filed/ discharged, the Fair Credit Reporting Act mentions nothing about dismissed Bankruptcies ( section 1681c ). Any case, civil or otherwise, which is dismissed no longer exist in the eyes of the law, so they  have no right to maintain information which the Government has deemed nonexistent. I am asking them to send me in writing proof to their claims that Bankruptcies that have been dismissed can not be removed for 7 to 10 years or I will be forced to take legal action. It may be their policy but the law says otherwise, and they should obey it.
Product: Mortgage

I filed for personal bankruptcy in 2010. I understood from my lawyer that I would lose my mortgage because of the filing. This was not a problem since I did not think I had any equity in the home. And, a family member offered me free housing. A while after filing bankruptcy Chase Bank, my original mortgage holder contacted me and told me they wanted to give me a new mortgage so I could stay in my home. I explained that I could not afford the home because I had taken out all the equity with a loan from XXXX XXXX. Chase wanted to look into the issue, I sent them all the information they requested including all my bankruptcy documents. The bankruptcy documents clearly showed the loan from XXXX. A short time later Chase contacted me and said XXXX did not have a lien on my home. They said the loan from XXXX was not a home equity loan as I thought but rather some kind of personal loan that was dismissed in bankruptcy. This meant that I had enough equity to afford a new mortgage, although it would be a struggle to pay the mortgage. I accepted the new mortgage from Chase Bank. Five years later XXXX XXXX finally contacted me and told me that I owed them all the equity in my home and they wanted payment. They said Chase was wrong and I had to pay XXXX. I could not pay XXXX so they informed me they would be forced to foreclose on my home. 
Today I finally sold my house so I could pay off both Chase and XXXX. 
My complaint is that I feel Chase defrauded me. I would never have accepted a new mortgage from them five years ago if they had told me the truth about the loan from XXXX. I would not have struggled for five years to pay the mortgage and would have been staying with family for free while I finished school.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - I have requested the removal of a activite security alert that is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report that on my XXXX credit report appeared a company XXXX XXXX based in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA showing a revolving credit that did NOT apply for. More over I have noticed 3 hard inquiries from Capita One ; Credit One Bank NA and XXXX XXXX XXXX, XXXX XXXX that I did NOT place. I have contacted XXXX  and they said they do not see such loan under my name, I have attempted to contact the other 3 companies about the hard inquiries unsuccessfully. I have also reported the issue to XXXX.
Product: Credit card

Since XXXX  I had multiple purchases done with my card that I hadn't even activatedXXXX times they were able to clear it up. They sent me a new card and specifically told them that I would call over phone to activate whenever I was ready and still XX/XX/XXXX I received a text message of someone trying to make a purchase with my information. I called them to close my account and they said they did on XX/XX/XXXX XXXX minutes later I received a message saying my card was ready to use. I'm very concerned about my credit not fair I work hard and someone is using my information.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Credit card

This concerns PayPal. I ordered a 1 year subscription to XXXX magazine {$64.00}. After waiting almost 3 months and not receiving a singe issue, I contacted PayPal to initiate a dispute. They sent me an email that the matter was resolved with the seller. I contacted PayPal that this is an error and that I had not received the magazine. They got back to me within a day telling me I had canceled the dispute and that there was nothing they could do? 
HELP! This is a SCAM! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax XXXX XXXX continue to report the account XXXX XXXX XXXX acct # XXXX inaccurately and without my written permission. I have asked several times for the three to STOP reporting this inaccurate information.

None of the information the three are reporting is accurate are matches up. They must present accurate information and have consent from I the consumer with whom it relates.

1692 ( a ) - Consumer has a right to privacy.

1681 ( a ) ( 4 ) - Consumers right to privacy 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt.

1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer.

1681a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding an auto loan reported on my credit file by XXXX XXXX XXXX XXXX. Despite my repeated attempts to dispute this account, it continues to be verified by the credit reporting agencies. I have provided evidence directly to XXXX, which clearly demonstrates the inaccuracies in their reporting, yet they have failed to take appropriate action to delete the erroneous information. Furthermore, it has come to my attention that XXXX XXXX XXXX XXXX has recently been involved in violating the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate information provided to credit reporting agencies. This raises serious concerns about the accuracy and integrity of their reporting practices. I hereby request that the Consumer Financial Protection Bureau intervene in this matter and ensure that the credit bureaus promptly removes the disputed account from my credit file. Enclosed with this letter is a copy of the correspondence I received from XXXX, which further substantiates my claim. I trust that the Consumer Financial Protection Bureau will investigate this dispute thoroughly and take appropriate action to rectify the situation. Your prompt attention to this matter. account # XXXX balance {$10000.00}
Product: Bank account or service

In XXXX of XXXX, I opened a XXXX checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by the end of XXXX. During this time I was charged a monthly service fee of {$30.00}. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$30.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 've done google searches and found forums full of people or are recently having this same problem with citibank. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. I have documenation through a secure message where citibank told me I had met all qualifications for the offer and would recieve the points by XXXX XXXX. Here is a copy/paste of the secure message : " From : XXXX XXXX Date : XXXX Account Number : Interest Checking XXXX Subject : XXXX : Promotional Offer Reference : XXXX Dear XXXX XXXX, Thank you for choosing Citigold. We appreciate your business and the opportunity to serve you. My name is XXXX and I am pleased to assist with your message regarding the promotional offer for your checking account ending in XXXX. 

After reviewing your account, I found that you have completed the offer requirements for the XXXX ThankYou Points. 
As stated in the offer terms and conditions, the bonus ThankYou Points will be credited to your existing ThankYou Member Account after 90 days from the end of the statement cycle in which you completed all of the offer requirements. Please expect to see the credit on XXXX/XXXX/XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus should be ashamed of themselves because all these negative accounts thats being reported on my credit report is absolutely insane and they are completely FALSE and just not right!!! i cant even get approved for a car or mortgage for myself cause of these inaccurate accounts thats being reported. Im expecting in 3 months and I cant get my child a house because of these ridiculous accounts thats being reflected on my credit report. I sent them certified letters on XX/XX/2021 to make sure they get my letters. Im also going to attach my return receipts and proof of my Identity along with my letters because these credit bureaus are not doing there job. I want these accounts removed immediately because they are incorrect!
Product: Credit card

I am writing to file a complaint against XXXX 's regarding my credit card account ending in XXXX. Over the past XXXX months, I have made several calls to their customer service line at XXXX. During these calls, I was assured that the interest and late fees would be removed if my card balance was paid in full. 

I have since paid the balance in full, yet the promised removal of the interest and late fees has not been reflected on my account. Despite my repeated attempts to resolve this issue directly with XXXX XXXX XXXX XXXX, no action has been taken. 

I am seeking your assistance to protect my consumer rights and ensure that XXXX XXXX XXXX XXXX fulfills their promise. Enclosed are copies of my account statements, correspondence with XXXX XXXX XXXX XXXX, and any other relevant documentation for your review. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Citibank N.A. services.
Product: Credit reporting or other personal consumer reports

I went to Experian 's website created an account and while trying to get into the platform, an error popped up. Creating an account entails putting in my Social Security XXXX. Not able to use site.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/year> Amount Charged Off : {$840.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly.

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

I purchased a XXXX XXXX XXXX in XXXX of XXXX due to my other car being totaled in water damage. Me and my wife moved last year and the XXXX XXXX was totaled by negligence due to the moving company hitting it with their moving truck.contact XXXX XXXX and told them I wanted to do a voluntary repossession because The car was totaled and the moving company was suppose to pay for it .They at that point decided to tell me they could put my current balance due on hold until the moving company got the car repaired But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle and the moving company will be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it. What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I knew that I had a balance left that was roughly {$28000.00} Which no payments were behind I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was { {$660.00} when they sold the car in XXXX the balance left was {$1000.00} Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.
Product: Credit reporting or other personal consumer reports

contacted chexx systems who had a negative closed checking account from XXXX XXXX XXXX XXXX on my chexx systems credit profile. the account was the result of identity theft. i submitted the identity theft report filed with the XXXX and the local police along with every other requires document that is required to get fraudulent information that is result of identity theft, taken off the account. still they did not remove the negative information and they blocked me from being able to access my credit profile on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since XXXX. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX   XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX  Remarks : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I was a co-signer for a private student loan in XX/XX/XXXX for a relative. I co-signed on the loan in the state of IA. The first payment on the loan was due in XX/XX/XXXX. Since I am a co-signer, I was not aware that the primary owner of the loan defaulted on the loan until it went into collections. When we asked if there was a way to resolve this to remove my name as a co-signer, and it was stated that we would have to pay the full loan and there was no negotiating. We asked if they tried to contact the primary loan owner and they stated that this person was not reachable even though we provided an up-to-date address and cell phone number. 

They also called my wife, my other adult children, my sister, and my nephew to try and collect the debt. 

Just yesterday, they presented me with a certified letter with a threat to take legal action against me. The certified letter did not indicate who was sending the letter at all. I was not aware of that information until I opened the letter. I have drafted a letter to dispute this claim since the primary loan owner has claimed they are working with a debt counselor to resolve the issue and they are also working full time and have an established address in the state of Iowa.
Product: Mortgage

On XX/XX/year> upon reviewing the updated yearly escrow analysis from Rocket Mortgage, I noticed an {$8000.00} homeowners insurance payout from my escrow account. I then emailed Rocket Mortgage to inquire about the transaction and their response was that they had received an invoice from XXXX XXXX in the amount of {$8000.00}, therefore, issued payment for the policy. I informed them that it was a fraudulent transaction as I had not requested nor authorized any policy from XXXX XXXX They explained that there was nothing they could do on my behalf, and referred me to address the issue directly with XXXX XXXX 

I contacted XXXX XXXX customer service and the representative confirmed that a policy indeed had been established under my name and for my property located at XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. The customer service representative provided me with the name and contact information of the specific XXXX XXXX XXXX that established the policy. ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX ). I informed the representative that it was a fraudulent transaction to which she instructed me to respond with an email, requesting cancellation of policy and recommended that I contact the establishing office for clarification. 

I did make contact with XXXX XXXX XXXX to which he confessed, that he negligently established the policy without verification of identity for a caller assuming my identity, and immediately began the process to cancel the transaction and send a refund. He also advised me that the invoice for the fraudulent policy was addressed to XXXX XXXX  and to a loan # not associated to my account. ( Attachment, see page XXXX of XXXX XXXX invoice ). 

I have filed a police report in regards to the identity theft, and the way XXXX XXXX  processed this transaction. However, I would like to know why rocket Mortgage failed to review the most important of details and paid for an invoice addressed to a different mortgage company, and most importantly, did not contain my specific loan number? ***when changing homeowners insurance policies, mortgage companies are required to check loan numbers to ensure the correct information is listed on the new policy, particularly the " mortgagee clause '' which protects their financial interest in the property ; this means they need to verify the loan number to accurately identify the borrower and update their details on the new insurance policy. *** The Rocket Mortgage representative I spoke with, from the insurance department, told me that invoices are paid out even if loan numbers do not coincide and that I would have to deal with XXXX XXXX  for resolution. 

Rocket. Mortgage has also failed to provide me with a request for an updated escrow analysis.
Product: Checking or savings account

On XXXX XXXX, a sum of {$1000.00} was debited from my checking account to pay for a loan that I did not apply for.