23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have medical debt paid off by my insurance XXXX and XXXX and believe the debt is paid and these collectors have switch names two times on me in the past 4 years. XXXX XXXX XXXX XXXX XXXX and Finanical credit net. I do not owe any debt. Thank you. This is predatory.
Product: Checking or savings account

Navy federal credit union overly charging my account overdraft fees when Im opt in oops
Product: Mortgage

I still not getting my question answer! 
I do not want to remove him if I dont have too! 
According to him he is done and signed all documents court order, warranty deed as you ask for! My question is this according to XXXX  and XXXX rules we can do a loan modification with out XXXX XXXX! The law changed for us because of lenders like you!! I am attaching proof of the law! I need answer why you are not abiding to this law??? I just want to do a modification on my house and move forward ti my credit is good and move my loan somewhere else! You have been so stressful and difficult in my life that I lost my hair and making my health even worst!!! See attached documents
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX : {$24000.00}
Product: Debt collection

This debt is over 4 year 's old was bought out in XXXX and re-open. Lockhart never contacted me, nor sent letter. Just put it on my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to an XXXX store in XXXX, TN and tried to pay for my purchase with my XXXX store card. The salesperson tried running the card twice, but it kept getting denied. I finally left the store embarrassed, as people were gathering and she was also calling her manager. I called the toll free number for XXXX and the automated system told me that theres {$250.00} limit on the card ( as it was before ) and that no payment is due at the moment. I finally got through to an operator that informed me that my account was closed as of XX/XX/XXXX. I have not received any correspondence from XXXX, the automated information still tells me that I have a line of credit and after logging into my account online, it also states that I have credit available. I have suffered great humiliation at the store, was embarrassed beyond belief and Im too embarrassed to go back to that store. I understand that banks can close account at any point, however they must notify the credit card holder of doing so, which XXXX has failed to do. The manager I  spoke with could not explain why this happened and how they can prevent this from happening again. A multi billion company has failed to provide customer service and they dont have plans to fix this.
Product: Debt collection

Midland credit management is stating that they have are were attempting to charge interest on this debt. Original debt was XXXX. Have been paying for years, but statements mailed never go down. Have been trying to obtain true balance due for 2 years. Finally found out XXXX. The company states interest is XXXX. Keeping with the payment plan, I requested a true balance due statement, but the representative told me that can not be promised, and told me that I was getting a discount of XXXX??? Also have been sending check payments which do not show on there end, only credit card payments. I will continue to pay until it is paid off. Isnt interest illegal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 



XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX XXXX I never made a late payment on this account, please correct. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Vehicle loan or lease

Porsche Financial Services does not provide accurate and clear payments due and schedules upon making successful payments ; and thus, applies aggressive late fees for error on their part. Porsche requires customers to pay for leases and loans electronically via its app ; it is a very labyrinth process to find porsche financial services " module '', which will then take you to your account to pay the bill. Upon using the module, you are provided your due payment, and which I pay every time by the due date, however ; I may have inadvertently missed a pay cycle due to being incapacitated with XXXX, nevertheless, the app only shows what is due. For someone my age and skill, I wouldn't know that additional payments are still due upon successfully making a payment about before the clearly disclosed due date, if payments are in the arrears, that should be shown as well, and fully disclosed. As a result, Porsche Financial Services has not only charged me one aggressive $ XXXX late fee, but two times, within the past two monthly payments to no fault of my own. Porsche Financial Services needs to revamp its module to make it clear of what is due and what is still owed, to prevent people with illnesses or circumstances to lose sight of what is due in a given payment cycle, and with good intentions, make the payment schedule conspicuously clear so that they are not inadvertently financially harmed by your system and design.
Product: Credit card

Dear XXXX XXXX XXXX XXXX DISCOVER, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from DISCOVER. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing XXXX instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX  credit card was open using my name. I did not know about this credit card debt until I got served with judgement papers on XX/XX/XXXX. I called the company which did not even had my whole first name. I asked them to send proof this debt was mine. XX/XX/XXXX I received over 300 pages of account statement all date starting on XX/XX/XXXX. According to XXXX XXXX lending company I made a payment on the amount of {$160.00} dollars on XX/XX/XXXX. I send then a reply to judgment with my partial bank statements ( all personal information was left out as well as my bank routing and account number ) that proves I never made a payment to XXXX  credit card as they mention. or neither I have paid anything on this debts because its not mine. On my conversation on XXXX, XXXX with XXXX and associate debt collector i told then not to contact me no more by phone or mail. And I am willing to hire a lawyer to represent me on court in regard to this matter.
Product: Credit reporting or other personal consumer reports

i am disputing with equifax and experian about reporting inaccurate and incomplete information on my credit report without my consent. 15 usc 6802 states that i have to be notified and give consent for information to be reported from affiliated companies, and i want to see documents proving that the other companies are affiliate with transunion equifax, and experian. Furthermore, i never gave written consent, per the privacy act of 1974 for it to be shared which is against the law and i am requesting the accounts be deleted at once from my credit report or i will file a report with the Sec, State 's Attorney general, and Ftc for identity theft
Product: Mortgage

I noticed that Chase Bank failed to pay my  XXXX  property taxes in   XXXX   XXXX  , while I was gathering information to prepare my  XXXX  taxes. I called reported the problem and stated that we should not be responsible for the late fees. Chase Bank quickly paid said property taxes but failed to cover said late fees. I received a letter dated  XX/XX/XXXX  stating that they were never notified of a split parcel prior to date and that we were responsible for said late fees. I called on  XX/XX/XXXX  and my husband spoke with a representative and stated that the tax bill and parcel map number they have is what was on the tax bill and the " split parcel '' should not be an issue. I called back on  XX/XX/XXXX  and spoke with a very rude agent that told us that they ( Chase Ba nk ) d o not receive tax bills like I do that what they receive is electronic and only used map parcel numbers not tax bill number and that the parcel was split and that is the reason they could not pay. I asked her who split the parcel because we did n't. She informed me that Chase Bank could not split the parcel that either my husband or I split the parcel or the    XXXX   XXXX   XXXX    split the parcel. She also stated that the tax information was n't available according to   XXXX    b ecause they had to prepare a new assessment of the property and that is the reason it was n't paid. I informed her that I would contact the  XXXX  office to find out wha t may have  happened and call back. I talked to the  XXXX  office and they informed me that the  Parcel has  never been split and did n't know what they were talking about that our home was n't going to be assessed again and even if it was that tax bills go out every year and assessments are completed in a timely manner. The  XXXX   administrator told m e that sometimes banks use a third party to collect tax information and that the third party  may have n ot given the information to the bank properly. I contacted Chase Bank on   XXXX   and spoke with another representative that was trying to help, so it seemed, and stated that she had no idea why the previous representative told me information about how they process tax payments. I told her that I contacted  XXXX   office and tha t my parcel is not split nor has it ever been split. That my map number and bill number did not change and if a third party gave them incorrect information that perhaps the third party should be responsible for paying penalty but that I should not. She said she would send notice to the escrow department to correct the problem but then as she was typing she sarcastically stated that " the Customer believes we should pay the penalty even though we never received a bill to pay said taxes ''. I am forced to pay taxes and insurance through an escrow account. It is the banks job to pay bills in a timely manner so I do not incur penalties or a drop in insurance coverage. I ca n't state that I did n't pay a monthly obligation to them because I did n't receive a bill. This matter has not been handled correctly on many levels and I am very frustrated.
Product: Credit reporting or other personal consumer reports

XXXX # XXXX Inaccurate Late Payments Immediate Action Required I noticed that you are reporting errors on my credit report indicating that I was late on the account ( s ) noted below. 
Please explain how you can report these negative marks when I was never late.
Product: Checking or savings account

On XX/XX/year>, my Chime account was randomly closed without warning. The last action I made was making a transaction moving {$800.00} from my saving account to my checking account which left {$5000.00} remaining in my savings account. Then transferred {$700.00} of the $ XXXX ( I dont remember the exact amount ) to Cash App because my cards are inactive because I was having random fraud transactions happening, so I requested new cards. I disputed like two transactions that I was refunded for like a week or two ago. But my account has been closed randomly, and I dont understand whats going on. I just want my money refunded out of the account. This happened to me in XXXX after making groceries for the family just imagine how embarrassing that was. Now Im going to have to borrow money until this is solved, and I really dont want to do that.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX XXXX , XXXX, an alleged debt collector, submitted a notice to me that Ocwen Loan Servicing , LLC is a creditor, and they are alleging that I owe them {$120000.00}. We have disputed this fraudulent debt on XX/XX/XXXX because Ocwen Loan Servicing , LLC is committing fraud, submitting fraudulent claims and pretending to be a bank, mortgage lender plus Ocwen Loan Servicing , LLC but acting as a bank, mortgage and finance company. Furthermore, I also requested that XXXX XXXX XXXX, XXXX XXXX The Mississippi State Bar Codes for all their employees in Mississippi because they utilized these same illegal tactics to try to foreclose on my property on XX/XX/XXXX, although they were aware that Ocwen Loan Servicing , LLC or any other entity do not have ownership of my mortgage nor the note. The fraudulent mortgage note was eventually extinguished in my United States XXXX Federal Court Bankruptcy hearing on XX/XX/XXXX which Ocwen Loan Servicing , LLC failed to appear. Allegedly, XXXX XXXX XXXX, XXXX and Ocwen Servicing, LLC, and others are involved and implicating themselves in a housing ponzi scheme plus The RICO act needs to be implemented. This information is also on record at The United State Bankruptcy Court for the XXXX District of Mississippi ( XXXX Divisional Office ).
Product: Credit reporting or other personal consumer reports

Noticed that although this account was included in XXXX XXXX XXXX It is still reporting as a charge off and I am receiving updates although I filed for XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX in XXXX of XXXX but yet XXXX is still reporting on my XXXX
Product: Credit card or prepaid card

On XX/XX/2022 someone used my credit card for {$100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I put in a fraud case and was overturned saying it was me. I never ever was at a casino and no less taking a cash advance for {$100.00}.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : MEDICAL ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX & XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; 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.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/XXXX
Product: Debt collection

Trying to collect a debt that the statute of limitations has run out on. 
calling and threatening to sue. 
harassing phone call to work number, home phone, personal cell phone, wife 's personal cell phone. 
they use at least XXXX different phone line numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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
Product: Credit reporting or other personal consumer reports

XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been in an awful identity fraud situation recently and someone has activated an account with BOA without my permission. i have reported this before and it worked for a little bit but it is reappearing for no reason. this account is not mine and it needs to remain blocked.
Product: Credit card or prepaid card

I WENT ONTO XXXX XXXX XXXX XXXX LOOKING FOR A ITEM ON XX/XX/XXXX, I PUT A ITEM IN THE CART AND AS I DID AN ADD FLASHED UP ON THE CREEN IN A BOX AND SAID IF I APPLIED AND WAS ACCEPTED I WOULD RECEIVE {$15.00} OFF MY FIRST TOTTAL OF PURSHASE, SO I AAPLIED AND WAS APPROVED. THEN I TRY TO ORDER BUT NEVER RECEIVED A COUPON OR TEMPORARY NUMBER TO SO I COULD PLACE MY ORDER? SO I CALL THE BANK AND WAS TOLD OR WERE SORRY YOU SHOULD HAVE RECEIVED A EMAIL AS SOON AS IT WAS APPROVED? BUT I NEVER DID, SO SHE SAID ILL HAVE TO WAIT TILL MY CARD CAME IN THE MAIL, SO 9 DAYS LATER I RECEIVED MY CREDIT CARD, BUT NO COUPON FOR THE XXXX XXXX OFF. SO I CALLED THE BANK AND THEY PASSED THE BUCK TO XXXX XXXX XXXX CUSTOMER SERVICE DEPT, THEN THEY SAID THEY DIDN'T KNOW WHY THE BANK SAID TO CALL THEM THAT THEY DIDN'T HAVE ANYTHING TO DO WITH IT TO CALL THE BANK BACK SO I DID, THEN THE REPRESENTATIVE FROM THE BANK SAID WE DON'T HANDLE THE DISCOUNTS ETC,, SO I GOT XXXX AND ASKED TO SPEAK TO A SUPERVISOR, EXPLAINED TO HER WHAT WAS GOING ON AND SHE AT FIRST SAID THE SAME THING THEY DON'T HANDLE THE DISCOUNT COUPONS OR SPECIALS I SAID THIS IS XXXX AND KINDA LET HER HAVE IT IN A PROFESSIONAL WAY, TOLD THE PRIOR REP THAT I WAS GOING TO MAKE A COMPLAINT WITH YOUR DEBT, FINALLY SHE SAID TO HOLD ON MINUTE SHE WOULD TRY TO SEE WHAT SHE COULD DO, SO SHE GOT BACK ON AND SAID THE WAS A PROMOTION IF YOU AGREED TO A TEXT I WOULD THEN RECEIVE XXXX CREDIT TO MY ACCOUNT I SAID FINE I'LL DO IT, THEN SHE SAID FOR ALL MY HASSLE THAT SHE WOULD AS A COURTESY APPLY THE XXXX TO MY ACCOUNT AND IT WOULD SHOW UP ON MY NEXT STATEMENT. I FEEL THIS WAY OF CONNING PEOPLE BASICALLY DOING A BAIT AND SWITCH TO GET YOU TO SIGN UP FOR CARD IS UNETHICAL AND UNPROFESSIONAL .AND SHOULD BE ILLEGAL.AND THEY SHOULD GET IN TROUBLE FOR THESE PRACTICES.