23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an amazon chase card. There was a fraudulent charge happened in XX/XX/2020. I reported the charge and they took care of it. But in the first week of XXXX that same charge was rebill to me. Ever since I have noticed that charged again, I have tried calling chase numerous times but I have been dragged from one department to another with no help what so ever. They told me to email the fraud department which I did last week since than I havent heard anything back from them. Customer service takes ages to come on phone and when they do they only say they cant do anything and they refer to fraud department. 
Fraud department dont do nothing about it no reply or nothing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I don't have any contract written, verbal or otherwise with any of these collection agencies. The credit agency is using alias 's name that don't belong to me, outdated addresses ' and phone numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.
Product: Mortgage

Our payments are returned by PHH Mortgage Co. We are on a Trial Modification. PHH mortgage is claiming we did not make our initial payment. We have supplied proof of payment and PHH Mortgage has confirmed payment was received. Still refusing to grant us our final Modification papers. 

XXXX pmt {$2700.00} ( paid XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXX to Ocwen Mortgage Co XXXX pmt {$2700.00} ( Paid XXXX XXXX by XXXX XXXX XXXX  ) to PHH Mortgage Co XXXX pmt {$2700.00} ( paid XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXX to PHH Mortgage Co We have receipts to prove. PHH Mortgage Co sent back payments for XXXX and XXXX claiming they never got XXXX 's payment. 

XXXX XXXX payment was sent to Ocwen Mortgage Co as instructed. Ocwen merge with PHH Mortgage as of XX/XX/19. all payments are to be sent to PHH Mortgage as of that date. All payments prior to XX/XX/XXXX goes to Ocwen.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Transunion report, and I noticed some late payments posted on my credit report
Product: Debt collection

Repeated calls all hours of the day and night suggesting that I owe money if I dont pay they will take matters further I am sick just had XXXX XXXX and have tried to resolve this matter but they will not leave me alone the account is closed and has been sold to these people now they act like I owe them thank you
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX in XX/XX/year> and it was approved. In XXXX of XXXX  The Forbearance was complete and I received a FHA partial claim to get back to current on my mortgage. XXXX XXXX is reporting the Foreclosure status on my credit report instead of reporting only the status at the time of my application for the XXXX XXXX as outlined in the XXXX XXXX. 
Mortgage company is reporting the delinquency up to the end of the forbearance up to the payment of the FHA partial claim ( XX/XX/year> ) I have requested a dispute from all XXXX credit bureaus for it to be updated and the disputes came back unresolved and still showing delinquency status after XX/XX/year> when I applied for the Cared Act Covid Forbearance.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts listed on my credit report, and Im completely baffled as to how they got there. I routinely check my report, and everything has always been fine, but now, out of nowhere, there are errors. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. These inaccuracies remained, and its left me feeling incredibly XXXX. I urgently request that you thoroughly review the documents Ive provided so I can stop living in constant worry over this.
Product: Debt collection

Last week I received a phone call from my payroll department at my job stating they had received a call from Ashton and Weinberg asking questions about me and trying to verify whether or not I still work at my job. I work XXXX XXXX XXXX home in XXXX, PA. They were given a name and number but I had told them to just throw it out that I had the information already. I received a phone call this morning XXXX XXXX 2016 at XXXX from an unknown number. The person stated his name was XXXX and he was calling in regards to a debt consumer credit card with XXXX that is now in collections. He told me that they were in the process of reviewing my account and that if I was unable to set up some kind of payment plan today. That he was going to refer to the debt collection company to proceed with doing a wage garnish on me. I said to him I did n't know you could garnish someone 's wages for a debt collection without going to court first. He said to me yes we certainly can. So I asked him how much were these wage garnishes going to be. He said that the number varies depending on different things. He stated that it will go by how much I make and it will go by my gross pay not net. So then I started to explain my current situation and told him how I do n't have the money right now to even set up a payment plan that my bank account is in the negative. So then he proceeded to start talking about my other debts stating that would also be put into consideration so the wages garnished wo n't be too high. Then I asked him how much do I owe & it was {$1300.00} and some change. I told him I could set up some kind of plan once I got my income tax. He said I would need to do something today for them not to garnish my wages. I then said well let me talk to my mom and dad and see if I can borrow money to pay this off and then just pay them back at income tax time. So I asked him how much would I need if I were to do a full pay off today and he told me {$900.00}. 

He was from Ashton & Weinberg Inc. XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX Telephone : ( XXXX ) XXXX http : //www.awcollect.com/ I have since learned that wage garnishment is illegal in Pennsylvania.
Product: Credit card or prepaid card

My Citi XXXX ( last 4 digits XXXX ) card reward program offers 1 % cash back on purchases, and an additional 1 % cash back on payments. I have never had any issues with receiving the promised rewards until my XX/XX/22 Statement. I made 4 payments totaling {$17000.00}, but never received the 1 % rewards on my XX/XX/22 payment of {$9400.00}, so I am still owed {$94.00} in rewards by Citibank. 

I contacted Citbank rewards on XX/XX/22 at phone number XXXX and spoke with a woman about this issue. She acknowledged that I was correct that the rewards should have been issued. She said she would take care of getting the missing rewards issued to my account. 

It has now been 2 months, and 2 statements have closed since and I have still not received the rewards I am owed. I have received no further communication from Citibank.
Product: Checking or savings account

Ive been with Truist for 6 months, over this time, I have been a victim of bank fraud. My situations go from being double charge to every merchant I have bought from for an entire week, cash and check deposits not reflecting on my balance AT ALL, my balance constantly changing despite not using my account, and my debit card being declined despite having money in my account. 

I lost my job of 10 years this last XXXX and we have been cutting things extremely tight because my savings from another branch is what me and my family have been living on. Thankfully, I received an amazing job offer and started working last week. I have been pinching pennies to get to work for gas seeing that I live XXXX miles away from my job. I went to bed last night ( XX/XX/2022 ) and had {$170.00} in my bank account. When I woke up this morning ( XX/XX/2022 ), there was only {$91.00} there. When I called Truist, they told me that my balance was never {$170.00} and implied that I was lying. I look at my account obsessively, especially since I havent been working as usual. I just dont understand how almost {$100.00} can go missing and no trace of it be left. This happens to me repeatedly. Whats odd is that when I had over {$3000.00} in my account, my account was never tampered with. But now that Im rebuilding, its constantly gone and Im not believed because Im looked at as broke. I bring in almost {$5000.00} a month, I will NOT be broke for long and my life will be back on track. This is an evil thing to do to a single mother with XXXX kids. I want my money back that keeps disappearing and then I will be removing my assets and changing financial institutions. I need an advocate because everyone at this bank looks at me like Im lying. Why would I lie over {$80.00}?? Wouldnt t
Product: Credit reporting, credit repair services, or other personal consumer reports

As the plaintiff this impacted my businesses due to this slanderous information and during the worst Pandemic ( Covid-19 ) in human history. One such example is my intention to purchase a Home and other business matters. I was Denied and Rejected due to the Erroneous information on my consumer report. Similarly, this factor has affected me in everyday business and personal reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/XXXX, XXXX XXXX saw an XXXX, XXXX XXXX at XXXX XXXX XXXX. After services were performed, he learned it was not a covered service. His wife spoke to XXXX Billing who said they would try to re-submit or write it off. 
In XXXX of XXXX, Mr. XXXX received a notice from a collection agency and his wife contacted XXXX who said to disregard it that they were writing it off. A final notice was received in XXXX of XXXX. 

Then, on XX/XX/XXXX, he received a letter from supposed attorneys Schreer, Green, and Burke demanding payment. Mr. XXXX responded with a letter dated XX/XX/XXXX, disputing the claim particularly because more than 12 months had passed with no invoicing and indicated that he had no intention to pay when he had been told it had been written off AND there had not been any appropriate invoicing since XXXX of XXXX. 

Mr. XXXX then received a second letter, undated but with a postmark of XX/XX/XXXX with a copy of the medical account information from XX/XX/XXXX indicating that we had 30 days to dispute it even though we already had disputed it and told them in writing there was no intention on Mr. XXXX 's part of paying the amount. 

The issue of the complaint is that they are trying to collect a medical debt that had gone more than 12 months with no invoicing. Thus the second letter was construed as harassment. Mr. XXXX is a XXXX year old retired XXXX veteran of an allied country, who has immigrated to the US and has limited means so this should also be considered as preying on the elderly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reported and errors
Product: Credit reporting

I have included documentation proofing original account not mine. incorrect original account #. In addition, wrong delinquent dates according to XXXX XXXX. This company is not only reporting an account that is n't mine but the deliquent date of this account is re-aged. I have provided proof and sent in writing. I received a response on XXXX/XXXX/17 from equifax that dispute was verified as correct.
Product: Student loan

My daughter and I had a Federal Loan for her college through Fed Loan Servicing. I paid over several years but the balance never really went down. It was like we weren't getting credit for any payments.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

We entered into a Loan modification with our Mortgage lender Select Portfolio Services On our home 2 years ago. We were told to not make a few payments before they could start the loan modification. For 2 years they denied us but then let us appeal. Every time we would appeal we would have to resend all of the paper work in again because they misplaced everything. We did this around 12 times over the coarse of 2 years. Our house has been in a constant foreclosed state. We have not made any payments because we were afraid we would loose the house. We were just notified that they denied our Loan modification because the process has taken too long, which was not our fault, but would reinstate our old loan We only had 2 weeks to agree to the new terms or we will be foreclosed upon. The new terms are ; They doubled our payments so instead of {$3000.00} a month now it 's {$6000.00}. The whole reason we did the Loan Mod was because we could n't afford the old payment. Also they want a baloon payment of {$85000.00} in one year. Is this even legal?? These terms are rediculous and we can not afford this and are going to loose our beloved home of 26 years we have raised XXXX children there. They have forced us into foreclosure and we can not get a new loan because of back payments. Please help as the deadline is today. Sincerely XXXX
Product: Debt collection

This company is reporting three unknown accounts on my credit report. This is an unfair practice of this company. I have called them several times and they claim they can not find these accounts with my social security number. How is it possible when they are reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial Dispute sent via certified mail was received from Experian Dispute Center for XXXX XXXX   XXXX collection Item for {$500.00} on XX/XX/XXXX via certified mail. 

Report # XXXX This report states the credit item XXXX XXXX XXXX was deleted and removed from credit report. 

I noticed on XX/XX/XXXX that this item reappeared or was re inserted on my credit report by Experian through my credit monitoring service. 

I contacted Experian on XX/XX/XXXX via certified mail to remove this item from my report since the FCRA states that the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion which in where i was never notified of reinsertion and why. 

Report # XXXX I received a reply from Experian on 6/18/18 with an updated report showing the XXXX XXXX  XXXX collection which still remains on my credit report. The status of the collection reads that " this item remains unchanged from our processing of your dispute in XX/XX/XXXX. '' This statement is inaccurate because this collection item was in fact deleted from my dispute inXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 items 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 Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After several intimidating phone calls from XXXX XXXX XXXX XXXX, I made a payment of {$1100.00} to them. When I realized that I could dispute the debt, I requested for a signed legal binding contract from XXXX XXXX showing that they were assigned to collect the money they insisted that they were told to collect. They only sent bank statements. They never showed or sent any signed, binding contract with XXXX XXXX to collect the payment. Since they were not able to provide such information to me, I demaded that my payment be returned because they fradulently took my payment. I really want my hard-earned money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX/XXXX XXXX
Product: Mortgage

XX/XX/2019, Took our money XXXX and did nothing to help us, Gave us fake documents to get a fake mortgage. They have now stolen our credit and sold to the Black market. WE are filing a law suit