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

Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with Experian for their blatant disregard of the law and their continued inaccurate reporting of an alleged identity theft account on my consumer report. 

Despite following all the required steps outlined in your laws 15 USC 1681 C-2, Experian has failed to block the information related to the alleged identity theft account. This is preventing me and my household from accessing credit and causing severe damage to my reputation and character. This is unacceptable and can not be tolerated. 

On XX/XX/XXXX, I notified the creditor of the identity theft pursuant 15 USC 1681 S-2 ( 6 ) ( a ). I also sent notice to Experian, and they were supposed to block the information after XXXX days of notice. I provided them with an FTC identity theft report proving that the account came from identity theft. 

Consumer Law 15 USC 1681e ( b ) states that consumer reporting agencies have an obligation to maintain accuracy. Experian 's behavior is unacceptable and indicates they feel they are above the law. If the CFPB does not take action against them, they will also be liable for willful and negligent noncompliance with the FCRA. 

Experian 's willful and negligent failure to comply with the FCRA is evidenced by their failure to block the alleged identity theft account on my consumer report. It is outrageous that Experian believes they are above the law and continue to violate my rights. 

These credit bureaus have faced lawsuits for identity theft, including the following cases : The XXXX XXXX XXXX v. XXXX XXXX and Experian - Lawsuit filed in the XXXX XXXX XXXX  In XXXX, Experian faced a class-action lawsuit for allegedly selling consumer data to identity thieves. 
As the gatekeeper, it is your responsibility to hold these consumer agencies accountable and ensure they are abiding by the law. I am demanding that the identity theft account be immediately blocked and deleted from my consumer report and that Experian be held accountable for their continued violations. 

I demand that the CFPB takes immediate action and holds Experian accountable for their negligence and willful violation of the FCRA. It is your duty as the governing body to ensure that they are abiding by the law and that my rights are being protected. Failure to comply with my demands will result in legal action being taken against Experian and the CFPB. 

It is imperative that you understand the gravity of the situation. Failure on the part of the CFPB to exercise its authority over Experian would be a willful and negligent violation, and they will be held accountable. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEWREZ-SHELLPOINT mortgage account with the account opening date of XX/XX/XXXX as it appears on the XXXX credit report with the amount remaining {$110000.00} was paid off by our new lender, XXXX XXXX, after refinancing. The NewRez sent us RELEASE OF MORTGAGE letter dated XX/XX/XXXX, attached. 
The account still shows up as open, affecting our credit score.
Product: Student loan

my student loan amount keeps increasing every month. I ask and they told me that my school did not report correctly the information to the loan servicer, and they adding more money for that. They change the interest rate and increases the amount that I have to pay again. I request Information regarding the reporting problem and they fail to provide me with the information. I need your help in solving the problem since the money going up and up.
Product: Mortgage

My request for a loan assumption was denied due insufficient assets. 
I provided documentation that provided proof on reserves that exceeded the 8 month reserve criteria for investment property during my initial application. 
Over the 7 months I continued to provide proof of reserves. 
on XX/XX/2016 I provided proof of reserves from my bank and was told that the underwriter would not accept my documentation.
Product: Checking or savings account

Client visited Chase Bank of NJ to resolve problem with accessing online account due to problems with cell/text and having no access to telephone or transact business online due to bank requesting a verification code to access account via mobile and/or computer devices. 

So, after speaking with banks manager, I had to say that I wanted without being provided with any viable alternatives than to request removal of verification code as banks supposed only option to access online account via mobile or computer access. However, the problem was not resolve although attempted by branch manager except while at the local bank location late morning Saturday, XX/XX/year>. After the code was removed while at the bank, the computer stated device not recognizable. If the code was to have been removed while at the bank, what difference does the recognition of the device matter, except for further restriction by the bank to limit customer access to transact business with or without a code? Contrary to what I was told while at the bank, the problem persisted one I arrived home. 

The same problem occurred upon returning home to use my personal device, i.e., a verification code needed to be sent again, and even when I tried to file a Chase bank complaint online, the chase bank website, again, requested for a verification code to be sent to phone via text or receiving a call, or calling the bank. Problem : The problem is that the phone is not functioning so there is no way to resolve problem to access count and transact online or mobile services. Its a MAJOR problem. 

My Personal SOLUTION to Banks Restrictive Service : Why does not the bank allow for a customer to have a perennial code or an alternate verification option via the email address associated with the account to avoid inconveniencing the customer and restricting clients access to online transactions that are not usurped by means of a mobile service, cell/text or telephone service, especially, when telephone and/or cell/texting options are not viable or available? 

Clients online transactions should not be held XXXX to having a mobile device for verification purpose. The bank needs to provide other online means for customer or client to proceed and to access account, with or without a verification code or having a mobile device or needing to call the bank when mobile cell/text or telephone services are are neither feasible nor available options to customer to transact needed banking services online, or in person. 

Thank you for your help.
Product: Mortgage

I refinanced my primary residence with Guaranteed Rate and closed on the property on XX/XX/XXXX. An escrow account was set up to be used to pay homeowners insurance, flood insurance and property taxes. 

I received the final property tax bill from my town for Q3 and Q4 XXXX and Q1 and Q2 XXXX. I called Guaranteed Rate and was instructed to send that information to their custserv email, which I did the same day, requesting that my Q3 property taxes due be paid when they were due on XX/XX/XXXX. I received a computer-generated reply that the request was received and would be addressed. 

I found out via the town that my taxes were never paid. I paid them out of my own funds on XX/XX/XXXX when I realized this. I again contacted Guaranteed Rate by both phone and email on that day. Again, I received the automated response but nothing further via email. The person I spoke with saw that a ticket was set up on XX/XX/XXXX but was not completed " due to COVID delays ''. 

Since then I have contacted Guaranteed Rate on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX to no avail. The property tax information that they have in my escrow account is still incorrect, and I have not received a refund for the property tax payment I made ( {$3300.00} ) over 3 weeks ago. I was told today that they would push through an escrow analysis ( which is the same thing I was told last week ) and that I would receive a summary in writing in 5 business days. 

My next property tax payment is due XX/XX/XXXX and Guaranteed Rate 's records show that the next payment isn't until XXXX so I have no assurance that I won't also need to pay that directly out of pocket. In the meantime, I have over {$8200.00} in my escrow account, which will increase to over {$10000.00} when I make my payment before the end of this month. 

I should also note that the annual homeowners and flood insurance isn't due until XXXX and XXXX next year, XXXX. So accordingly, they have overcollected and not dispursed any funds.
Product: Bank account or service

I am being threatened and harassed by XXXX and XXXX, and Bank of America, to be sued for a debt that was settled out inXX/XX/XXXX. 
BOFA traded my Home Mortgage Account Manager XXXX times during myrequests in order to run out of time for me to refinance my home to a more affordable payment. I ended up losing the home in account of this unethical treatment in a short sale. 
for {$430000.00} when I owed XXXX. That alone covered the cost of thedebt in question and I have not been returned my profits. 
Also, BOFA illegally deposited my XX/XX/XXXX income tax return checks right before closing out my accounts without my knowledge andconfiscated the account balances. 
This was a loss of over {$20000.00} which is more than the debt inquestion. 
BOFA was found guilty in court XXXX BOFA and they are refusing toreimburse me for the fraudulent charges as well as payfees, penalties, interest, punitive damages. 
I have been swindled out my life savings by this company. I need helpwith this unreasonable treatment brought on by this unethical company. 
Please Advise ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is a fraudulent account on my credit report. Lately they have been calling me in group phone calls and threatening to make me pay the debt, I am a victim of fraud with this account and I filed a report with the FBI # XXXX, I am being harassed by Capital One representatives for an account that is not mine and should not be on my credit nor do I owe the debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an unauthorized transaction occurred on my Paypal account, I notified the original company and they refunded my payment. 
I also cancelled any authorizations through Paypal and my bank. 
On XX/XX/XXXX, Paypal emailed me and stated although the transfer failed from my bank, they used my paypal balance. 
I was unable to determine if I had a balance at that time, their activity didn't align with the facts and their system refused to allow me to open an investigation. 
I replied to the email and they responded that they don't monitor it and refused to provide any other method to contact them. 
I had to XXXX the number and I was told to just disregard the email, their IT department refuses to fix incorrect information being sent to customers. 
Paypal alleges it sent false notification of an XXXX violation and nonchalantly asked that I ignore the issue.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. 

I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. 

Regrettably, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. 

I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. 

In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent items from my credit report within [ a reasonable time frame, e.g., 10 business days ] of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to the appropriate regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXXXXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX 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.
Product: Vehicle loan or lease

Ally Financial. I called to lower payment or refinance balance but was denied. the payment were too high and I couldnot trade it because of the negative equity.
Product: Credit reporting or other personal consumer reports

I received my credit report from XXXX, Equifax, and XXXX after being released from Federal Prison ( BOP ) on XX/XX/XXXX. 
I have been incarcerated since XX/XX/XXXX. I noticed XXXX accounts is on my credit report that is not mine. 
I am a victim of identity theft. 
I do not know who used my name and SS number while I was in prison. 
I called XXXX and was told to file a police report with my local police station.
Product: Credit reporting or other personal consumer reports

I am would to express my profound dissatisfaction with the inaccurate and incomplete credit details currently reflected on my credit report. It is unacceptable that such errors have been permitted to surface on my report, indicating a failure on the part of the bureau to uphold reasonable procedures ensuring maximum accuracy in credit reporting. 
I am also requesting evidence of the alleged items, specifically the contract, note, or any other documents bearing my signature. Failure to provide such evidence warrants the prompt deletion of the items from my credit report. 

The information provided is wholly inaccurate and incomplete, representing a significant error in reporting. I demand the immediate removal of this misleading information and the issuance of a corrected credit profile to all relevant creditors who have received a copy within the last six months, or two years for employment purposes, as per FCRA 15 USC 1681.

I want to stress that I am the sole individual disputing these accounts, and no one else is involved in this dispute. 

I anticipate a thorough reinvestigation into this matter and a swift resolution in accordance with the Fair Credit Reporting Act. Your urgent attention to this dispute is essentialXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a XXXX bag on XXXX  for {$2700.00} from a seller named XXXX, and paid through Paypal with my XXXX XXXX Credit Card. I received a fake pair of XXXX XXXX shoes, not the bag I paid for. I contacted XXXX about this and after their investigation, they found other fraud activities from this seller and removed this person from their platform. I filed a dispute with paypal to recover my funds, and provided them all the documents I have, including email from XXXX confirming that this seller is a scammer and has been removed from their platform, Paypal asked me to return the item to the seller and promised to issue a refund. I returned the item twice and both times, the USPS returned the package to me because the address the scammer provided to Paypal does not exist according to the USPS tracking. I finally escalated this to my card issuer, but Paypal provided them documents siding with the scammer which made my card issuer to accept that Paypal did nothing wrong. XXXX XXXX closed the case and offered no help whatsoever, then referred me back to Paypal. Paypal informed me that they would have refunded my money but since the case went to my card issuer, they are the higher authority so there is nothing Paypal can do now. I also filed a complaint with the XXXX XXXX XXXX XXXX as requested by Paypal. Right now, I am scammed out of {$2700.00} because I trusted Paypal. I am trying to recover my money.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an above ground swimming pool from XXXX XXXX in the amount of {$9400.00}. I paid a deposit of {$4800.00} using my Discover Card and agreed to pay the 3 percent transaction fee that Discover charges the merchant. On XX/XX/XXXX I received a call from XXXX in their store to advise me that the pool they had sold me was no longer available even though I had been told by her on XXXX that it was in their warehouse. She offered different pool option but after discussing with my husband, I called on XX/XX/XXXX and told her that we wanted a refund if they were unable to provide us with the pool we had purchased. When I went into their store on XX/XX/XXXX to pick up my receipt for the refund, she presented me with an invoice for {$140.00} to cover the 3 percent fee that Discover charges. I refused to sign it and came home and opened a dispute on my Discover Card. 
I provided Discover with the above facts and copies of the invoice and sales receipt. On XX/XX/XXXX Discover send me a link to a message showing what XXXX XXXX had provided to them including the {$140.00} invoice that I refused to sign. Discover at no time offered me an explanation as to why my dispute was denied nor have given me an opportunity to rebut their decision. On XX/XX/XXXX I sent an email to XXXX XXXX, XXXX XXXX, requesting an explanation. On XXXX I received an email from XXXX in their Executive Office of Customer Advisory department requesting more information, such as account number, that was already provided in the email to XXXX XXXX. I sent an email to her that same day providing the information and did not receive any further correspondence from her. On XXXX and XXXX, I again sent my email to XXXX XXXX with no response. On XXXX, I sent an email to Discover XXXX XXXX XXXX requesting an explanation regarding this denied dispute. That afternoon, I received a phone call that I missed from XXXX. I sent her an email letting her know that I have a difficult time catching up with her on the phone and to please contact me via email. She did not. I called her phone number today XXXX XXXX and she agreed to investigate my dispute but seemed to have no knowledge of anything that had transpired. She said she'd call me back when she had a decision but could not provide any kind of time frame.
Product: Student loan

Between XX/XX/XXXX and XX/XX/XXXX Sallie Mae, now Navient, outsourced customer service calls to XXXX. During that time period, those customer service reps repeatedly informed me my loans were eligible for the Public Service Loan Forgiveness Program when they were not. I missed out on 3 and a half years of  participation in the program.
Product: Checking or savings account

My CD was classified as a dormant account and I am unable to access my funds. According to HSBC, an account is classified as a dormant account if there is no activity on the account in 3 years. My CD account was rolled over in XX/XX/XXXX. On XX/XX/XXXX, I transferred {$340.00} out of the CD and rolled the balance into a 1 yr CD. Upon maturity of my CD on XX/XX/XXXX, I discovered that my CD account is classified as dormant. I filled up the relevant forms to remove the dormancy status on XX/XX/XXXX. I was told that it should take 2-3 days. I have called customer service a few times and each time, I am told that the account is still dormant. As of XX/XX/XXXX, my account is classified as dormant and I am not able to access my fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give XXXX, XXXX, EXPERIAN written permission to furnish these accounts listed below. 


XXXXXXXX The following account is not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX