23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX. This complaint is about Amerihome Mortgage, Loan # XXXX. Property address, XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX. 
I am a XXXX  % service connected XXXX veteran who purchased a condo at the above address. Amerihome mortgage is the loan servicer. Three months ago I filed for a XXXX County SC 100 % property tax exemption due to my service connected injuries and XXXX County SC approved it. I sent it to Amerihome Mortgage to have my payment adjusted while at the same time requested an escrow analysis for the refund of over {$3300.00} in the escrow account. 
Amerihome mortgage verified my tax exemption document through XXXX XXXX and promised my payment would be adjusted and the escrow funds returned. I have spoken with them several times over the phone and been promised this is being done although to date they have refused to adjust my payment or refund the escrow funds. Every time I call I get more promises and nothing happens. Today, I emailed them that I wished to stop escrowing any taxes therefore if they refuse to honor the XXXX County tax exemption document at least I could make my Principal and Interest payment without them holding my taxes and refusing to return them. Amerihome mortgage personnel and their management team are incompetent at their positions and liars in their efforts to take my money, hold it in escrow when I have provided them everything they requested in an effort to comply with my initial request. Stay away from this mortgage lender at all cost. 
XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX  XXXX ( RET. )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS # XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation thatneeds to be updated properly. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete all other unknown addressesthey are not correct. XXXX following addresses are not mines : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the extra name from mycredit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer thathas integrity. Furnishinformation about accounts or other relationships with aconsumer that is accurate. C- Conduct reasonable investigations of consumerdisputes According to XXXX, inorder to make a lawful report, you must follow theXXXX XXXX compliance standards.
Product: Debt collection

TCF BANK TOLD XXXX THAT LOAN NO XXXX WAS OK TO UNLAWFULLY RE-INSERT ACCOUNT WITHOUT XXXX DAY NOTICE TO CONSUMER IN VIOLATION OF F.C.R.A. THIS HAS TRANSPIRED XXXX TIMES OVER XXXX YEAR PERIOD.
Product: Credit card

I was advertised by Chase that if I opened a XXXX XXXX Credit Card, I would receive a new user reward of a {$250.00} statement credit as well as XXXX XXXX XXXX miles if I spend {$3000.00} in 3 months. Upon opening the account, I have received only the XXXX miles, I did not receive the {$250.00} statement credit as promised. I called the company many times and they keep telling me different things and wont give me the {$250.00} credit.
Product: Credit reporting or other personal consumer reports

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

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigaed the following item on my credit report.I have requested this valaidation numberous time before. No documenetaion has been sent to me for this unverified account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts on my credit report with incorrect information. One account has the wrong payment and settlement information. Another account has no recent payment history when I view my credit report online. A collection account that is paid is supposed to be removed by the creditor. I have disputed these items several times online and am not able to dispute them online anymore. I have tried calling several times, but never get a person on the phone to help with my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed several complaints with Equifax customer care, most recently ( XXXX ). I have been unable to login to my www.myequifax.com account for several months. I have sent certified mail, made phone calls, sent emails and have not gotten a resolution. I am repeatedly told that they are " refreshing their servers '' and when I ask to speak with a supervisor they state one will call me in " 24-48 hours '' but none have ever called back. All of the direct toll free numbers go to overseas foreigners that read from a script and have no idea how to help you. My username is my XXXX, I know my password, I am able to reset it. I've reset my browser history, cache, cookies, network settings and so on to no avail. I've tried on different computers, such as but not limited to, the public library. 

I need access to my account as I am an ongoing victim of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

I recently reviewed my TransUnion credit report and noticed an account that was not reporting accurately. I have a late payment on an account -- XXXX for XX/XX/year> showing as 30 days late when I in fact paid on time. You can see in my XXXX account that I in fact paid on time in XX/XX/year>. 

The consumerreporting agenciesneed to report all information with complete accuracy. This account has not been late on that payment. I've attached a copy of my report to this complaint ( see XX/XX/year> ). I am now requesting for you to investigate and provide verifiable proof with records showing that I committed this late payment. If this information can not be verified, I demand that these payments be updatedto 'paid on time ' immediately. Thank you for yourunderstanding and prompt action in this matter.
Product: Debt collection

A company called Pro-Collect reached out to me by way of an account manager who identified himself as " XXXX XXXX '' and he stated that he received my information from a company called XXXX. XXXX XXXX stated that I owed money for a bond that i acquired or signed up for to pay for something at XXXX XXXX. I informed him that I did not owe any funds for a deposit or any damages because I had my apartment professionally cleaned and inspected prior to my move out and return of the keys and fob. Also, I informed him that I never took out any type of bond or loan associated with my apartment. The gentleman stated that if i didn't plan to pay them, he would put it on my credit on the first of next year and he would write it down as a refusal to pay. I informed him that It is not a refusal to pay because it is literally not my debt. I asked for identifying information and ended the call. When i got the apartment initially, my roommate was XXXX XXXX XXXX and he was the guarantor on the apartment and he may have done something with a bond, but I don't know anything about it and can 100 % confirm that I have never taken out or signed for a bond of any kind. I'm new to Texas so I don't even understand what this bond they're speaking of, even means.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I wrote to this company notifying them that their claim was disputed and in that same letter, I requested that this company validate the debt. 
I requested that it provide me with competent evidence that I have any legal obligation to pay them. I asked that they provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Instead, the company sent me a letter dated XXXX XXXX, XXXX from a debt collection company. In that letter, the dollar amount of which they say I owed was changed. This company did not provide me with competent evidence that I have any legal obligation to pay them. It did not show how it calculated what they said I owe ; it did not provide me with any papers that show I agreed to pay what they say I owe ; it did not provide verification or copy of any judgment ; it did not identify the original creditor ; It did not prove the Statute of Limitations had not expired ; it did not show me that they are licensed to collect in my state ; and it did not provide me with its license numbers and registered agent. 

Rather, this company has to this day ; knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called XXXX wednesday letting them know that the address was incorrect and gave them the correct address the fraud department force me to give them a tax return and identification, i stated that driver license address is not current address and gave them current address i have disputed it as well, next day account frozen XXXX  and experian lock my account stating information is not matching XXXX still has not change address have wrong social security number on file still has not change it its been 3 days and its hindering my progress to build my lively hood. Below is the law they are in breach of. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

On XX/XX/2020 I was told the company was investigating my claim. On XX/XX/2020 I emailed them about my status of my claim. On XX/XX/2020 they said I never sent my claim in.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

THEY ARE VIOLATION OF RIGHTS AND COMMITTING FRAUD. I NEVER OWED THEM XXXX. THIS IS FRAUD AND SLANDER
Product: Credit card or prepaid card

On XX/XX/2023, i applied to a promotion from Capitol one to apply for their savor one credit card. The promotion promised {$200.00}. In return for {$500.00} of spending in 90 days. I was approved for the card and charged over a XXXX dollars on it. When I called yesterday, XX/XX/XXXX, I was told by a supervisor XXXX ( ID # XXXX ) that I didnt qualify for the bonus. When I asked why she said read you terms and conditions. When I pressed for further explanation, she repeated the same thing, and offered no other details. I offered to send her a copy of their promotion but she wasnt interested. The terms in the promotion ( see attached ) seem very straightforward and as far as I know I met them. Whatever the reasons Capitol one is using to deny the promotion payout is to me irrelevant considering the advertising they use to lure consumers in only to deny them their offer later.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that the information it contains is inaccurate and incomplete name and address. 
This inaccurate information is negatively impacting my credit score, and I believe it is incorrect. Under 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data reported to credit agencies. As such, this erroneous information is damaging my credit. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I kindly request that you investigate this matter and either remove or correct the inaccurate information on my report. 
I have attached a copy of my credit report highlighting the incorrect information for your review. Please take prompt action to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Product: Credit reporting or other personal consumer reports

I was never late on this account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX This is not mine XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of hippa laws and I ask for immediate removal of any medical bill on my credit report immediately! I request the removal or with use my legal rights and attorney to file a lawsuit against your agency! Any medical bill on any of my three credit reporting agencies ( XXXX  ) ( XXXX XXXX XXXX ) those are the companies reporting medical bills violations of hippa laws!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX and the final bill was paid by credit card over the phone on XX/XX/XXXX and service was cancelled and equipment was picked up by service man at my residence. I moved out of my apartment that day. Company claims I never cancelled service and billed me for 3 additional months. XXXX XXXX did not file a collection notice until XX/XX/XXXXon my credit report. Company claims I owe them {$230.00}. XXXX XXXX sent me a " Notice of Rights '' letter dated XX/XX/XXXX indicating that they received the claim I disputed and stating that if I do n't respond within 30 days they will consider the debt valid. On XXXX XXXX I had a XXXX XXXX in Vermont and subsequently was hospitalized at the XXXX XXXX XXXX XXXX XXXX where I had a XXXX XXXX which can all be fully documented. I was unable to respond to the Notice of Rights due to my XXXX XXXX.
Product: Student loan

I feel very frustrated with the way Navient is dealing with repayment programs. I called several times ( during the limited times a working person can contact a huge corporation ) to find out information and guidance for a deferment program. They asked me the same questions over and over again, and at the end sending me to a general website that did not have all the information and the clear steps I needed to start the process. Every time I was talking to someone, she was in a hurry, always, trying to cut the conversation, leaving me with the sensation they did not want to give me the real or accurate information to start a deferment application. At the end, the last call I made to Navient, I had to tell the lady " No, I'm not done '' I needed more guidance and the address to send the application. She gave me an address I almost could not find online, Why it was so difficult to find an address millions of people need in a desperate circumstance in their lives? I am still waiting for a response on my application, but I'm very disappointed and dissatisfied with their services when I have paid a lot of extra money to my loans. They told me the online application was faster and I could not find the application, nor the way to do it online, considering I am good with the internet. 
Thank you. I just needed to get this out of my chest.
Product: Bank account or service

I had an account back in 2015 that i used to cash checks. One day I learned that they manually canceled a check i wrote online to the copyright office without my consent so I immediately closed the account for that was a very personal act. A few months later I went into a location on the better side of town to discover it was never closed. I went through the closing process a second time after informing XXXX location what occurred. I later went into another location where the teller began to act funny when i told her my issue. This was the location near the university i attended. I believe it is a network of university students doing this to other students they observe on campus for politically motivated reasons.