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

What occurred within my credit file is somehow someone reported the balance of my XXXX XXXX credit card prematurely outside its noraml 30 day reporting cycle. I keep track of when my credit cards are reported each month. XXXX XXXX does not report my credit balance until the XXXX ( sometimes XXXX ) of each month. Credit card companies " do not '' prematurely report credit card balances. There is no valid reason to do it, there are no benefits for doing it. XXXX. 

The Equifax instance represents the second time this has occured in my credit file. Months ago it occurred with my XXXX credit file with one of my other credit cards. It was prematurely reported 21 days ahead of schedule causing my credit score by 9 points. Now in this new case with Equifax, my credit score has instantly dropped by XXXX points. 
I work very hard to move my credit score northward and keep it from dropping so it is unacceptable for my score to drop because my balance was prematurely reports. I pay my balances off each month prior to the accounts being reported, or very close to zero. 
What I know so far is : XXXX ) When I contact the credit card companies, Equifax in this case, they emphatically state that they did not, and do not prematurely report balance, which implies that the CRA was responsible somehow XXXX ) What is also a pattern when it has occurred - it's always isolated to only XXXX CRA. In other words the update to my Equifax file, only occurred the. The same was true when it happened with XXXX. Never did it affect all XXXX bureaus. 
I will get to the bottom of the issue, even if I must take XXXX & and/or Equifax to XXXX to prove they are responsible for the updates. 

So what is the implication : - it's against the law for CRAs to self-report - When a CRA reports XXXX consumers credit data without he actual data furnisher, it represents a violation of the consumer 's privacy. It's the same as a data breach, and affords heavy penalties. If Equifax or XXXX who may have intentionally done this, for their own purposes, and then claim it was the creditor who did, and then respond back via the CFPB portal and to me they were not involved, then they have not committe fraud, not to be taken lightly. I understand why an Equifax or XXXX whould choose to deny involvement, however do understand I will og after you in court for fraud and other violations!
Product: Mortgage

To Whom It May Concern, On XX/XX/XXXX, JP Morgan Chase failed to pay the homeowners insurance through XXXX XXXX XXXX XXXX even though there were funds in escrow available. I had informed Chase of this on XX/XX/XXXX when I received a notice. I was assured this would be taken care of and it was not. 
When Hurricane Florence was forecasted to hit the NC coast, I called XXXX XXXX in early XXXX of XXXX to see what I needed to do and was told Chase had yet to pay the premium and the only coverage I had was my wind and hail policy. A few days later Chase, XXXX XXXX and I were on a three-way call to determine what if anything could be done. XXXX XXXX notified Chase that no policy would be reinstated until Florence was no longer a named storm. Chase told me on the phone call that they would not leave me hanging. 
The damages exceeded XXXX and I was paid XXXX through my wind and hail policy. I decided to tear off the roof myself at XXXX XXXX XXXX. Two-thirds of the way of the roof repair in XXXX of XXXX, I XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXr. I had XXXX in XXXX of XXXX. Prior to the XXXX date, I consulted a mold remediation service in XXXX, NC because I found mold. There is no final estimate of the cost since I will have to move out of the residence while the extent of the damage is determined. 
I called Chase to see what they were going to do to help. I filed some paperwork and was denied any assistance. When I followed up and told Chase I was considering legal action, a week later I was informed our mortgage was sold to XXXX XXXX XXXX in Indiana. 
I want JP Morgan Chase to compensate me for the loss of the insurance coverage, the uncovered repairs, the remaining balance of my medical bills and for the mold damage yet to be determined. They did not live up to the responsibility of keeping the homeowners insurance in force. Their actions of selling the mortgage after I informed them I was seeking legal counsel just illustrates their underhandedness and the level they would go to in order to avoid doing what is legally and ethically right.
Product: Credit card or prepaid card

A one day late payment occurred due to a critical family emergency. Not a 30 day late, just 1 day late. I paid the monthly payment. A late was added to my account and Barclays lowered my credit limit by {$1500.00}. Which lowered my overall credit and raised my debt to credit ratio and lowered my credit score. Once they added the late fee all the other steps they took against me are illegal. They raised my credit limit without my permission and lowered it all in less than a year.
Product: Consumer Loan

The company pulled my credit without my authorization. The inquiry is reflecting on my  XXXX  and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

I have been trying to know the whereabout of my {$10000.00} that I began to withdraw on XX/XX/year>. I went into the Wells Fargo Bank, XXXX XXXX on XX/XX/year> to withdraw a large sum of money. I was withdrawing {$10000.00} and while the teller was putting the money through the machine to verify the amount, I signed off on the withdrawal slip. The teller then proceeded to place the money in a bag for me. I feel so embarrassed to say but I spaced out and left the bank, without the money bag. I noticed immediately and have asked the bank to check their cameras to see what happened. I have gone in person, I have called, I have called the XXXX Police Department ( case # XXXX ) and nobody seems to be getting anywhere. If my memory failed me and I got the money and eventually lost it after leaving the bank, I'll accept that as well. I just need to know what happened to it. I do not recall even receiving the money and makes me think that Wells Fargo is not cooperating with me because they have something to hide. I just want to know whatever happened to the money. This was a large sum of money that was lost or stolen, I'm not sure and for peace of mind I want to put this all behind me. Please help me.
Product: Credit card or prepaid card

My Chase XXXX card has 9 charges that are fraudulent. They all say they are from XXXX. 
I disputed these charges, they were then temporarily credited to my account, then after Chase 's " investigation '' they were charged back to my account. I have repeatedly told Chase that these charges are fraudulent. They sent a letter which listed these charges, without stating what they were, just that they are from XXXX, claiming that they are not fraudulent. I have repeatedly spoken to Chase representatives and sent secure messages on the Chase website, stating that the charges are fraudulent. PLEASE HELP!!! I am XXXX years old and calling Chase and sending them messages repeatedly is very disturbing. 

dispute posted re- Case Number Date Opened Transaction Date date Description Dispute Amount trans # posted XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$46.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$36.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX, FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX $ {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The data breach from Equifax is unequivocally the worst violation of my personal information that 's ever occurred - and it 's all a result because a company has highly personally identifiable information stored without my express consent to do so, all in the name of profit. This is exemplified by the fact that I 've had to pay Equifax to freeze my credit account - those at fault for this incredible fumble of cybersecurity - in order to protect myself from their total ineptitude. Add to this their flawed website to determine if you 've been compromised ( created for some reason under a different domain, as if to somehow demonstrate that they are in fact scam artists ) and their half-hearted attempt at avoiding lawsuits through their surely worthless " protection plan '', and you 've got a boatload of " too-little done '' and " too-late now '' arguments and evidence to render these companies essentially ticking cybersecurity time-bombs. To add insult to injury, Equifax 's automated freeze phone tree ironically froze and asked me to call back later, only to inform me that my account had already been frozen without ever providing me the PIN ( This happened to both me and my fianc, and I ca n't imagine how  many others ). It will surely be a blast dealing with this company personally when the time comes to thaw my account. Furthermore, in a stand of solidarity, XXXX enacted their own exploitative protection plan ( apparently a prerequisite for credit companies ) in order to make a quick buck off of people who are both frustrated and confused in their time of need. 

The fact that a government agency is not available to protect us from these bumbling XXXX is frankly ridiculous, and having to pay them for their own mistakes is downright absurd. It 's insane as somebody who works regularly with protected health information and personally identifiable information that entire companies lacking such basic protections and bizarre practices ( such as Equifax using a timestamp as a randomly generated PIN and providing random results on their flawed compromised website ) can be trusted with such sensitive information with little oversight. This is compounded by the fact that they have regular access to this information, which we as consumers do not ... The vast majority of whom would never consent to such invasions of privacy if it was possible to navigate the modern world without. Save living totally off the grid and storing money under the mattress, where else is one supposed to go? It 's unfortunate so many were forced to put blind faith in a company of scammers, but we were never provided a choice we needed, nor the protection we deserved.
Product: Debt collection

on my credit report there is a debt I know nothing about it in my collections. This is clearly fraud. Jefferson Capital system They claim I owe XXXX over {$2000.00}. I have called a few times asking for proof of documents in which they ever never supplied anything.
Product: Money transfer, virtual currency, or money service

I have been making a series of wire transfers from our bank ( Citibank ) in the US to our bank in XXXX ( XXXX ). Citibank limits me to {$50000.00} per day and as we are sending money to purchase a house there it takes many transactions. Citibank has on numerous occasions cancelled or delayed my wire transfer without contacting me, giving me any opportunity to understand the reasoning or rationale. Each time this occurs ( no less than 3 times now ) I have to call Citibank, navigate their menu systems and ultimately get through to someone who is very little help. It's often that I will receive conflicting information from their agents. On two recent occasions, Citibank withdrew the {$50000.00} from my account - delayed my wire transfer for several days and then cancelled the transfer for no reason- ultimately returning the money to my account. By this time, the exchange rate had moved and I effectively lost {$1000.00}. At the moment, I am trying to find {$50000.00} that they withdrew from my account on XX/XX/XXXX ( today is XX/XX/XXXX ) for a wire transfer. I received an email that the wire was cancelled because of a system issue - but the money is yet to be returned and they have given me no commitment on when this money will be returned. I have also been told that when the money is returned to my Citibank account I will need to resubmit the wire transfer request- which will 10 days later than originally sent most likely and I am expecting to lose about {$750.00} on the exchange rate change. I have spent 3 hours at least talking to them just over the last few days trying to find my money. The first agent told me it was going to be fixed and sent, the next agent told me the opposite- it was going to be returned and I would have to resubmit the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax pulled my credit for a mortgage loan that I never applied for
Product: Credit card or prepaid card

I submitted a payment on my account but the payment was returned two days later and I was not aware of that. Nobody ever called me or told me. I didn't know about it until I logged in my account. I then submitted another payment of {$5500.00} to get it current but the late payments were never removed. I noticed that under the CARES Act I am not to be reported as being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. On XX/XX/2021 I have submitted a follow-up letter of my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Product: Debt collection

I have been disputing this for the past 8 months. Not one time has this company provided me with any type of information to verify this debt as belonging to me. They have stated in the disputes that they will provide the information. However they still have not. I filed a complaint most recently with the CFPB on XX/XX/XXXX complaint ID XXXX and the company responded again saying they will provide me with information. Again they have not. This is far past the time frame by law that this company has to respond and Im not sure why they are continued to behave this way and not remove this from my credit report. It is clear they can not provide this any type of information. Im hoping this will be the last dispute.
Product: Mortgage

Ocwen Financial continues to call me numerous times per week despite asking several times for them to not call me regarding my mortgage loan unless I am late. I have never paid a mortgage payment late but they insist on calling several times a week to tell me my account is past due even though they know I pay it the XXXX of the month and my statement says it is not due until the XXXX. They call repeatedly until I answer while at work and then continue to call even after I tell them what day I will pay it ( again, ALWAYS before the actual due date ).
Product: Debt collection

National Credit system is attempting to collect a debt that I never establised a contract with them XX/XX/2001 of a balance of XXXX and a balance of XXXX. They placed the negative item onto my XXXX credit report file which is a false witness to my name. They are violating the FCRA law and the status of limitation to collect a debt
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. My personal information was also stolen during a data breach which involved several fraudulent inquiries being made without my knowledge and permission. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

During my bankruptcy case Navy Federal had me dealing with one of their Vice Presidents, XXXX XXXX, to make my monthly payments. When my bankruptcy dismissed ( I made all my payments on time but the Chapter XXXX Trustee in XXXX is crazy ) I called XXXX XXXX and pleaded with him to let me keep my home. XXXX XXXX told me that he would work with me as long as I kept making my monthly payments. I have done this religiously including making a XX/XX/XXXX payment. 
Despite my good faith efforts I got two letters from Navy Federal indicating they were putting me in default and accelerating my loan unless I come up with $ XXXX by a date which has already passed. 
I 've also received a federal home loan modification and as stated above have made a payment in the last 30 days. I am current through my XX/XX/XXXX payment.
Product: Consumer Loan

Will call several times a day although permission was never given to them to contact me via certain telephone numbers. I am paying more than necessary every month to make up for my missed payment but they keep calling anyway.
Product: Credit reporting or other personal consumer reports

Experian will not let me see my credit report or credit alerts until I pay {$24.00} to keep a membership I do not want. I have called and every single time I somehow am disconnected and I think canceling a premium membership should be a pretty basic request. I just want to see my credit score and the alerts ( which they continue to send me multiple emails a day for ) but there's no way around the paywall. I have learned from research online that this is a very common problem among Experian customers and that the company uses predatory tactics to swipe money from its users for moot reasons. It even plainly states in the membership benefits that " Subscription Cancellation '' is a member only feature... I have to be a member to cancel my subscription? I never knew how shady Experian could be until recently. Appalling and unacceptable.
Product: Debt collection

Pursuant to Title USC 1692C ( C ), I am invoking remedy as the consumer natural person and DEMAND Advanced Collection Bu cease and desist debt collection activity with removal from ALL bureaus.

Advanced Collection BU needs to remove ALL and ANY reporting of the debt collection activity from all consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

i was a victim of Identity thief, which cause my consumer report to drastically effected. I went from an XXXX XXXX Score to a XXXX in my attempt to clean up the mess made, i came to realized that there were many inaccurate information in my consumer report. As is expect base on the law 15 USC 1681 ( a ) ( 4 ) TO insure that the consumer reporting agencies exercise their grave responsibility with fairness. i sent the accurate information along with expected identification and documents ( Drivers license, Utility bill ) to prove that I am the natural consumer submitting this request. 
After XXXX weeks i received a letter from the agency ( Equifax stating that the information that they have does not match and requested that send the very identification that was sent with the first letter, i believe that they are Violating my rights. i have sent another letter and have heard nothing yet
Product: Credit reporting, credit repair services, or other personal consumer reports

ACTION : Experian Reinserted deleted items from my credit report without notification in writing within 5 business days, which is a deliberate violation under Fair Credit Reporting Act Part ( A ) ( 5 ) ( B ) ( ii ) Purpose : I ( XXXX XXXX XXXX ) demand an immediate permanent deletion of all items reinserted. 

See Attachment EXHIBITS 1-4
Product: Debt collection

Months ago I made a complaint with this company about fraudulent credit inquiries that were identified on my credit report for renters verification. one date being XX/XX/XXXX and the the other XX/XX/XXXX. Someone stole my identity and sought out XXXX XXXX XXXX XXXX  to obtain credit illegally in my name. I later was advised by this company that the illegal credit pulls were not going to be removed but did not provide a reason why. I never authorized anyone to use my personal information or social security number to obtain credit. I was notified via email through XXXX, and XXXX that I now have a account in collections. The account in collections was never opened by me nor did i seek out credit from this company. It has negatively impacted my credit. A police report was made and filed with all three of the credit bureaus for identity theft, noting that the collections account is a result of my identity being stolen and used without my knowledge or permission. The renters verification needs to be removed. The fraudulent account was sent to NATIONAL CREDIT SYSTEMS and given account number XXXX. According to this collections agency, {$6300.00} is owed. I am not responsibly for this debt as it was obtained illegally and fraudulently. A police report was filed With the XXXX XXXX XXXX XXXX. XXXX NY Report number XXXX
Product: Debt collection

Similar to an unknown XXXX XXXX XXXX XXXX XXXX XXXX keeps harassing me about an unknown cable account. I've had these items removed previous and they change up the creditor name and amount to re-report and attempt to collect. I've called the number listed on my report and the numbers are disconnected. 
IC SystemsXXXX is one that's been removed from my report after informing XXXX of fraud/identity theft. It was removed back in 2020.