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

Despite numerous disputes to the Equifax, XXXX and XXXX consumer reporting agencies, these companies continue to report a fraudulent XXXX XXXX account under account number XXXX. Not only have I forwarded copies of my driver license and FTC Affidavit, I have forwarded a verified police report. Each of these companies have refused to investigate and block reporting of said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I began my undergraduate studies with the XXXX  XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my graduate studies in XX/XX/XXXX with XXXX  XXXX XXXX and completed my graduate studies in XX/XX/XXXX. I was also enrolled at the XXXX  XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their graduate level Project Management Certificate Program, these credits were later applied to a graduate degree in project management with the XXXX  XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX  XXXX XXXX ( XXXX ) program for my student loans. On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my total and permanent XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. Additionally, I had 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. On my Experian credit report I have multiple accounts listed that are duplicates : Experian XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXX XXXX XXXXT XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX   XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Product: Mortgage

My mortgage payment includes an amount for property taxes. My property taxes for XX/XX/XXXX have not been paid. When talking with NewRez, LLC dba Shellpoint Mortgaging Services, XXXX. XXXX XXXX, XXXX. SC XXXX, Phone # XXXX, They are insisting that the property taxes have been paid to the XXXX County Appraisal District on XX/XX/XXXX. 


The first call to NewRez was initiated on XX/XX/XXXX. I requested a copy of the cashed checks they informed they sent to The XXXX County Appraisal District. I was informed I would receive copies in 2 weeks via email & XXXX. When I did not receive either a call back, email or anything in the mail, I contacted NewRez a 2nd time on approximately XX/XX/XXXX. I was informed my request was submitted and I would be receiving copies of the cashed checks by the XX/XX/XXXX. 

I called back on XX/XX/XXXX, and spoke with XXXX, to follow-up on the status on copies of the cashed checks. At this time is was informed that the money I pay for my escrow account was sent to the XXXX County Central Appraisal District and paid someone else 's property taxes. I was also informed that it appears as though I am not the legal owner of my own property. I was informed that XXXX XXXX, a Tax Specialist for NewRez was reviewing the complaint and would be contacting me. 

I called on the XX/XX/XXXX afternoon as I still had not received a call back from NewRez nor XXXX XXXX. I was informed that the complaint is still under investigation and that XXXX XXXX would be calling me back with an explanation and resolution. I requested to speak with Mr. XXXX, and I was denied the opportunity. 

I called back on XX/XX/XXXX. Again, the person I spoke with, XXXX XXXX XXXX, informed that her note show that the property taxes were paid. She refused to allow me to speak with her manager and to let me speak with either XXXX XXXX or someone else in that department. She eventually transferred my call to someone else and the call went to voice message. I left a message. 

To this date I have not received a copy of the cashed checks or any other concrete evidence that show my property taxes have been paid as I was instructed would happen. I have not received one email or one call with any explanation as to what is going on with my money and how they are handling the issue to in paying my taxes as XXXX County Appraisal District has not yet received any payment. No one will tell me what is going on. I am trying to refinance and penalties for late payment on my property taxes are accruing. 

I am in the process of refinancing my mortgage and this holdup is affecting my contract with the new lender and time lost will affect my loan rates.
Product: Credit reporting

I have contacted Equifax with regards to an unknown collection account # XXXX reporting on my credit file. This company is unknown to me and this debt do not belong to me. I have informed Equifax that I had been a victim of identity them and they continue to ignore my request to remove this account from my credit file. I need your assistance in getting this matter resolved once and for all.
Product: Credit reporting or other personal consumer reports

I am opening this for the second time. XXXX refuses to provide any information to me in regards to this account. I have requested they send me any agreements, contracts invoices bills receipts.. but they wont do it.
Product: Mortgage

I refinanced from XX/XX/XXXX to XXXX in XX/XX/XXXX. I was told my next payment would be due in XX/XX/XXXX. 

In XXXX I received a letter from XXXX indicating my mortgage had been transferred to Mr. Cooper and that I would hear from them. The XXXX website indicated to pay the XXXX payment, which I did. 

In XXXX I spoke to XX/XX/XXXXand they advised I make the XXXX payment to Mr. Cooper after they contacted me, and that no late fees or penalties could be charged for up to 60 days after the last payment made. 

On XX/XX/XXXX I received my first communication from Mr. Cooper stating the payment was due XX/XX/XXXX, and that no penalty would be due if received by XX/XX/XXXX. Since both those dates had already passed, I used the secure messaging system in my online Mr. Cooper account to inquire/confirm I would not be charged fees/penalties for this payment. I received an immediate automated response that someone would be in touch with me. 

I made my XXXX payment as normal, on time. 

As of today, XX/XX/XXXX, I have received no further response in any form. They have not answered my question about avoiding late fees or penalties. They have completely ghosted me. 

I am going to make the XXXX payment but am frustrated that I am at risk for penalties and fees through no fault of my own, and have been unsuccessful in receiving any assistance whatsoever from the company. It is not just that I am forced to do business with a company that provides zero service. I should have the right to refuse to do business with them and to have my loan transferred elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax several disputes about a collection account ( {$7800.00} ) being reported on my credit report. Their company has failed to notate on the comments section of the account that it has been disputed which is required under the FCRA. I also sent them a dispute about this account certified mail on XX/XX/2020 and i believe they did not do a proper investigation. Equifax sent me a verification of account letter within days of receiving my dispute letter and didn't provide the evidence i requested in my dispute letter. Their company has broken several FCRA laws and still to this day have not notated on my credit report that this account was disputed. I have all the evidence back up my complaint and i want them to remove this account from my report immediately.
Product: Credit reporting or other personal consumer reports

I was XXXX  in California XXXX XXXX ( XXXX ) at the time the student loan was issued. I did not give my consent nor had knowledge of loan.
Product: Debt collection

Previously reported Amsher Collections and XXXX for potential violations pf the Fair Credit Reporting Act. Today I received an alert that my SSN was sold on the dark web via a XXXX breach. This is the first time anything like this has ever happened and I find the timing very suspect.

In response to amshers note on my previous complaint : I need a dated letter signed by your representative explaining that this will be removed from my credit with all credit bureaus within 5 business days of receipt of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive proper notification of credit card statement at my new address or email. Company refused to fix such a small error of a debt payment of around XXXX dollars Im in which I actually over payed it. After I contacted the company they still kept saying they send the email and statement and I didnt get it. This information needs to fix on my credit report and is affecting my 100 % payment record
Product: Credit card

PenFed has the following promotion and they have missed the second bonus payment per their own terms and conditions. The latest customer service agent is making up their own terms which are inconsistent with PenFeds actual terms and conditions which I am providing below : 1. To receive each of the monthly {$25.00} statement credits, you must spend at least {$300.00} each month using your PenFed Credit Card ending in XXXX during each month, XXXX, XXXX and XXXX. If you spend {$300.00} in each three of the above timeframes, you will receive an additional {$25.00} bonus as a statement credit. The statement credits will be applied to your account within 4 weeks after the end of the promotional period in which it was earned ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). This limited-time offer is only valid for the credit card number referenced above and is nontransferable. Cash back will be awarded in the form of a one-time statement credit and does not affect your minimum payment due. Cash advances, credit card checks, and balance transfers do not contribute towards the {$300.00} purchase minimum for each month. Each account is eligible to earn one statement credit of {$25.00} during each month of the promotional period stated above plus one bonus {$25.00} statement credit if {$300.00} is spent in each month of the promotional period. 

The customer service agent told me via email that I wont get my XXXX payout until four weeks after XX/XX/XXXX. However, if you actually take the time to read the terms above, the agent is clearly wrong.
Product: Credit card or prepaid card

When my Best Buy credit card statement was received XX/XX/XXXX, the only charges on it were 4 that were not recognized by myself or my husband. I went to the 2 websites listed and had never seen them before. I called the 2 numbers listed and got the same recording on both, '' this number no longer active ''. I felt that someone had gotten my credit card number and was using it illegitimately. I called customer service and explained that I didn't know what these charges were for and could not reach the merchant. A fraud investigation was opened and the account closed and a new account opened. I destroyed the old cards and when the new cards were received we put them aside until the problem was settled. Since then I have called Best Buy 12 times and spoken to over 20 people in an attempt to get this resolved. It was changed to a billing dispute from a fraud investigation when the fraud investigator said it looked like a free trial that inadvertently enrolled me for continuing shipments. She asked if I had ever clicked on an e-mail for free samples. I said that i had clicked on an e-mail for samples from a company called XXXX several months before. I had difficulty getting out of the site, every time I clicked exit, I went to another screen. I think that finally I had to close the browser to get out. I never received an e-mail confirming the purchase and when the samples came there was no statement enclosed. The product was so unprofessional appearing that I never even tried it. There were no further mailings. She recommended changing it to a billing dispute. This was done on XX/XX/XXXX. It has now been 3 months and my bill has grown from {$140.00} to {$250.00}. Over the holidays I started getting XXXX phone calls, even though every time I have called and asked what to do about the bill, they tell me it will be corrected and not to pay it. My last contact XX/XX/XXXX again told that mistakes had been made in my account but that it would have to go to the actual investigators to be resolved and that couldn't happen at least until Monday. I was advised to wait a few more days and call back. I requested that the investigator call me back when it was settled. I decided to go ahead and file a complaint because I have heard that this is all going to be straightened out soon at least 3 times before.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} AXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My checking account was charged through paypal. They bought two different transactions of bitcoin cryptocurrency. i reported it to Paypal and then went to my bank to close the said account, Paypal did have two closed cases in my favor and said everything would be reversed. i now am getting debt collectors calling me regarding this as Paypal now states I have a negative balance and am supposed to repay the negative balance. these transactions were not of my doing. i am now getting debt collectors calling me. Paypal instructed me to sell cryptocurrency but there terms and conditions tell me that if it an authorized transaction I am not supposed to sell them or I become liable. the first transaction was XX/XX/XXXX XXXX {$300.00} plus XXXX transaction amount. the 2nd amt was {$990.00}, total XXXX with transaction fee. The collection agency and Paypal now tells me I owe the negative balance.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to Experian regarding the errors on my credit file they furnish. I only get updates of verified with no proof. Some of these accounts I know are in accurate for a fact. I am in fact fed up of getting the run around when it is hard to obtain credit to get me a place to live. 
These accounts are hurting my ability to obtain credit when they are in fact inaccurate : XXXX XXXX XXXX XXXXXXXX These are the accounts I found erroneous errorsz these need to be deleted as soon as possible according to FCRA.
Product: Credit reporting or other personal consumer reports

I am not sure if this is something you look at. I am concerned that rental companies and owners are taking advantage of tenants. The rental market is very competitive and each rental requires an application, renters have to pay an application fee which can be costly. Renters fill out several applications and pay a lot of money only to be denied. This, I believe is really taking advantage of people, especially low income people.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my report according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$520.00} ; XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$300.00} ; XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$680.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$760.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The amount of Debt listed on all three ( XXXX, Experian and XXXX ) Credit Bureaus are inaccurate. They are all report XXXX different amounts of debt. And I don't owe any debt. I've filed a dispute with all three of the credit units and nothing is ever resolved.
Product: Credit reporting or other personal consumer reports

I sent a validation letter to XXXX XXXX XXXX on XXXX for alleged debt and cease and desist. This is not my debt and debt has been paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIP XXXX DATE : XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Account - Discrepancy with XXXX Dear Sir or Madam, I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681, which guarantees the right to accurate and complete information in credit reports. I am formally requesting the removal of an account that continues to appear on my credit report, despite the fact that XXXX has already deleted this account from its records, creating a clear lack of uniformity and accuracy among the XXXX credit bureaus. 
Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information in a credit file is found to be inaccurate or unverifiable, the credit bureau is obligated to correct or remove that information. XXXX has fulfilled this requirement and removed the account from my report. However, my report with [ XXXXExperian ] still reflects the incorrect information, which constitutes a violation of my right to have an accurate and complete credit report across all credit bureaus. 
Attached to this letter is evidence of a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), which proves that the account in question was deleted from my XXXX report following an appropriate investigation. 
Additionally, I would like to refer to the case of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), in which the court held that credit bureaus have a responsibility to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. In this case, it was determined that inaccurate reporting constitutes a serious violation that can cause financial harm to the consumer, which directly applies to my current situation. 
Therefore, I am requesting the immediate removal of this inaccurate account from your records. The attached evidence confirms that this account has already been deleted by XXXX, and steps should be taken to ensure consistency across all three credit bureaus. 
I look forward to a prompt resolution and the update of my credit report accordingly. Should this inaccuracy not be corrected, I will consider taking legal action under the provisions of the FCRA, including seeking punitive damages for continued noncompliance. 
Thank you for your attention to this matter. I am available to provide any additional information necessary to facilitate this process. 
Sincerely, XXXX XXXX XXXX