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

I have tried to dispute the chase account on my Experian credit report and they have not taken it off my credit report when this account has already been determined by the FTC and a few other federal investigation bureaus as a fraudulent account. I don't understand why experian is taking this long nor do I understand why they have not erased it. However my other two credit reporting bureaus have already taken it off and blocked it.
Product: Mortgage

My mortgage company did not pay my property tax for the period XX/XX/XXXX. I had a mortgage payment that included impounds for property tax and home insurance. When I returned from a trip, I received a notice from the Tax Collector that my property tax payment was delinquent. I immediately sent a letter to the lender my complaint. After a week of dispute, no settlement at all from their part. 
I have not been late with my mortgage payments for at least 4 years. My mortgage statements of XXXX/XXXX/XXXX up until XXXX/XXXX/XXXX showed escrow payments which I pay on time. What I do not understand is, how can a well known lender like them would be negligent in not paying my escrow. I did not even receive any notice from them that they are not paying my escrow. So I was just paying my mortgages on time knowing that my property taxes and home insurance are paid on time. 
My penalties have increased by the time I made arrangement with the Tax Collector. Since I do not have the full amount to pay my delinquent, I made a payment plan. I paid XXXX % up front and the rest in installments with interests. 
My stress level has gone up because of this. I have sleepless nights on how to budget my money now. I just hope I am not their only customer that experienced this. It is stressful and hearth breaking. You loose respect of the lender 's credibility. 
Thank you kindly.
Product: Credit card or prepaid card

My wallet was stolen on XX/XX/11. I tried to call Bank of America credit card and when I put in my social security number I received an automated message that I now have a new credit card servicer and no longer have an account with Bank of America and I should refer to the letter that sent in the mail. I never received a letter. So I can't close my stolen card. Even worse, I don't even know who my new card servicer is to cancel that. There is no information on line and I can't get through to customer service for Bank of America because I am no longer recognizable. I don't really know what do here. Please help me out. 
Thanks XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX XXXX XXXX XXXX. as XXXX working in a XXXX  XXXX  since XX/XX/2020. 

My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Product: Credit reporting, credit repair services, 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 ( Original Creditor : XXXX XXXX XXXX ) : XXXX, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX  : XXXX, XXXX : 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 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.

Also, each account has error and inaccurate information in each category : Date opened, Last reported, Date Last active, and Date of Last Payment. All accounts needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I register my personal information with Equifax on XX/XX/17 at the time service was free at no charge to register. Equifax services guarantee customers a 30 day period to work the case and present some type of updates to customers if its by phone or email now its been more than 30 days and no udates nor touch basic has been made with me. Now my membership does n't exist with Equifax anymore membership is being denied when attempting to login. Equifax services is redirecting me to a different site call trusted ID wich i have to pay for there services was never mentioned by Equifax on the day i presented my information to Equifax. After waiting 30 days im very disappointed because my privacy is out there
Product: Debt collection

I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request a removal into these discrepancies and to rectify any inaccuracies in my credit report.

Below, I have outlined the specific details of the inaccurate information on my credit report : WELLS FARGO BANK CAR XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ) ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complain as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Checking or savings account

XX/XX/year>XXXX  : I received a debit card from CashApp for an account that was fraudulently created in my name. 

XX/XX/XXXX : Called CashApp 's customer service line to report this and request that the account be closed. The representative had me submit the pictures of the debit card that was sent to me to confirm the account that needed to be closed. 

XX/XX/XXXX : Received an email to complete a survey from CashApp, rating my experience and if the problem had been solved. At this point I had yet to receive confirmation that the account was closed and marked as fraud. 

XX/XX/XXXX : Called CashApp 's customer service line again, the representative told me that they had no way of confirming an account was closed and suggested that I complete the survey that was sent to me. They never asked me for the account information to look it up even when I offered. 

As another note, my credit has been frozen for years and yet this is the third fraudulent bank account that has been opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for an apartment for which I was denied based on a credit reporting item on my credit profile. In reaching out to the rental source that obtained the information, it referred me to reach out to Experian. In reaching out to Experian experienced very rude representatives as well as the the information regarding the XXXX XXXX XXXX via the phone call to Experian was never addressed, nor was any information verified regarding the collections company or source for the item listed on my credit file for XXXX XXXX XXXX. In following up with the Consumer and initiating a complaint onXX/XX/XXXX it was responped back to CFPB that the collections item had been confirmed and verified and a letter had been sent to me regarding this. To date no letter has been sent to me to confirm the XXXX XXXX XXXX debt, nor has any collection service verified or sent any type of correspondence confirming the source of this debt. This is the second attempt to address this concern and to get it removed from my credit file, since no correspondence has been provided to me to confirm this debt as was advised to CFPB that this step was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  charged me for a a a Checking account that was never use after I paid off the account I was told that account will be closed and would not go on chexsystems the account is now on chexsystems after being paid in full this account on chexsystems is stopping me from opening others bank account due to the false information still on my chexsystem account I would like to have this information removed off of my chexsystems account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations see cfpb XXXX XXXX
Product: Credit reporting or other personal consumer reports

i contacted transunion about XXXX hard inquiries due to identity fraud last year dates as follows : XX/XX/23 XXXX XXXX XXXX XXXX XXXXXXXX says that this account has been closed but the account has also been turned over to a company called XXXX XXXX XXXX and they say there is nothing they can do about it ) XX/XX/23 XXXX XXXXXXXX XXXX XX/XX/23 XXXX  XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has gone out of business and has turned the account over to another company who says they cant do anything about it and that i dont have an account with them ) i called the companies and they said that all the accounts have been sucessfully closed but i still see them on my credit report as hard inquiries. they said it was under investigation i want the hard inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi TransUnion I have tried 7 times by fax and phone for you to remove old out dated or just no mine personal information XXXX XXXX XXXX XXXX is law office I never lived there please remove it i did not finish the address for identity reasons but you have it on file. 
inquires 6 remove I did not make these. XXXX WILL BE FORWARDING A LETTER TO YOU BY FAX WITH THE SAME INFORMATION AS THE 7 TIMES BEFORE BUT WILL HAVE A CFPB CASE NUMBER ATTACHED TO IT. the report is XXXX XXXXXXXX XX/XX/2018 update
Product: Credit card or prepaid card

I booked a trip to XXXX XXXX thru XXXX from XXXX XXXX to XXXX XXXX at the Airport we couldn't travel because my XXXX XXXX had XXXX  of XXXX, therefor the XXXX XXXX the had to cancel our trip and refunds us the tickets cost. 
I contact XXXX to get my money for the hotel and they told me I need to contact the hotel. 
I emailed the hotel and they told me I need to contact XXXX and I contact XXXX and they told me I need to contact the hotel to get my money. 
I opened dispute case with American Express to get my money, but XXXX still refusing give me a refund. 
I couldn't travel due to XXXX travel rules and XXXX charging me a full price fo the hotel reservation XXXX travel confirmation number XXXX the dispute amount is {$2000.00}.
Product: Credit reporting or other personal consumer reports

I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.
Product: Prepaid card

My card was stolen and I filed a dispute for all the transactions XXXX spend said that they did a thorough investigation. It was two different claims totaling XXXX XXXX  they couldnt have done a proper investigation because they would see I didnt make those purchases on XX/XX/year> they constantly keep hanging up and making it hard to resolve getting my money back
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had my JCPENNEY credit card for almost 4 years and each year they reduce my credit to the exact balance which increases my credit utilization on my credit report. I worked to pay down this card from XXXX to XXXX and now they have reduced my credit limit to XXXX. This makes my credit utilization at 95 %. When I called to see why they said they did an annual review of customer worthiness. I have never been late on a payment or missed a payment, they every year do this and make my credit score plummet. This is unfair and unwarranted.
Product: Credit reporting or other personal consumer reports

there are so many addresses on my credit report is not accurate and inquires the address is as folllow 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 inquires XXXX XXXX XX/XX/year>, 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: Student loan

Started going XXXX XXXX online back in XXXX for a degree that hey made up. I was told to apply for a student loan at the time while XXXX XXXX XXXX XXXX  and a few months into the program a guy named XXXX XXXX told the VA that I was not XXXX XXXX XXXXXXXX XXXX  during the time I was clearly XXXX XXXX XXXX XXXX XXXX. I was unemployed and the XXXX XXXX  money was my only income to pay my bills at the time. I had to XXXX XXXX XXXX because I couldnt afford to keep XXXX XXXX and actively keep looking for work during the bad economic times then. They treated to keep my XXXX XXXX XXXX until the XXXX XXXX were paid off. Doing this I couldnt use the credits I earned to XXXX XXXX XXXX and decided to quit pursuing a degree until I could pay the loan off. Recently I saw all of XXXX XXXX loans were supposed to have been forgiven because President Biden saw the fraudulent degrees this school was scamming students with back around XXXX or so. Recently because the first loan Forgiveness didnt pas in congress the loans were supposed to resume, but my loans were sold a couple times and the amount even went up from a little over {$7000.00} to now a little over {$20000.00}. Nelnet is the current owner of the loan bought from XXXX XXXX without my authorization they have sold my loans between each other several times adding there own fees to it. I tried to get ahold of Nelnet on the phone and online, but cant get through to them. Between this school and my divorce I had to file bankruptcy because of my debts. Unfortunately!
Product: Vehicle loan or lease

On XX/XX/year>, I contacted Capitol One to inquire about where to submit my Capital One Bank Customer Removal Authorization/Modification Agreement ( https : //ecm.capitalone.com/WCM/bank/pdfs/customer-removal-authorization-form.pdf ). 

Representative XXXX placed me on hold while he consulted with a colleague. XXXX informed me that the only way to remove myself as a co-signer would be to refinance the loan. I shared that I had already completed a notarized agreement that was available from Capital One. XXXX placed me on another hold while he consulted with a colleague. Upon return, XXXX requested I provide the web address where the form was located. I shared the web address. XXXX then stated that it " may be an outdated page '' and reiterated the only way to remove myself as co-signer would be to refinance. I shared with XXXX my concerns because I followed the information available, including paying for a Notary Public as required by the document. XXXX asked me to find the page on their website, to which I responded by questioning why I am being asked to find a page when they have a publicly available document. I asked to be transferred to someone who could receive a complaint and was directed to representative XXXX. 

I explained to the representative XXXX that the same information was shared with XXXX. XXXX reiterated the same. I shared that this felt like an unfair business practice because the form was available only. I additionally asked XXXX to confirm that even though I followed the instructions of their form, including getting a Notary Public service, they would not consider my request, and the only way to remove myself as a co-signer was to refinance the vehicle. XXXX reiterated this as true. 

I informed XXXX that I would be submitting a consumer finance complaint and requested that their decision be notated in my file and all phone records are retained for accuracy and credibility.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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