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

In accordance with the Fair Credit Reporting act, 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.

This account has passed the statute of limitations.

This account has inaccurately reported two different kinds of account numbers.
Product: Mortgage

I went on to Rocket Mortgage 's website to look into a home loan, I was just doing an initial inquire. They called me and put me on the phone with XXXX XXXX to talk about the mortgage. This call was recorded, XXXX assured me 2 times that the credit report was a soft pull and would not show up on my report. I checked my report today and it shows that this was in fact a hard pull. I did not consent to this and am very upset this occurred.
Product: Credit reporting or other personal consumer reports

Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference. Thank you for your attention to this matter.
Product: Mortgage

I bought a house thought XXXX XXXX Bank Home Mortgage on XX/XX/XXXX, on XXXX XXXX XXXX XXXX, XXXX AZ XXXX, they set up a bi-weekly payment for 2 payments {$500.00} each, every 1st of the month and every 15th and I was never late.. all of a sudden I received a letter from US BAnk XXXX stating that the loan was sold to XXXX Home Mortgage. I called USbank today ( XX/XX/17 ) to find out what was going on and to set up and continue the bi-weekly payment, I found out that they did n't have the cell phone number I have for 12 years, but one really off and no email address on file. Therefore I was never contacted. They said that they do n't have bi-weekly payments and that my due date for the full amount {$1000.00} is on XX/XX/XXXX .... Since this took me by surprise I ask them for a month period of grace to start fresh and be able to pay on time. They denied me that grace period. i do n't have the full amount because I have all my bills set up in a way that i divide them between theXX/XX/XXXXhecks I receive from work ... I will be late on my mortgage and I making a complain because : 1- they did n't notify me. 2- USbank did n't have my information on file. Therefore they owe me at least a month period to came up with the full amount and do n't be late ... My name is XXXX XXXX cell ( XXXX XXXX XXXX. USbank loan # XXXX
Product: Checking or savings account

I am writing to address a pressing issue regarding my checking account [ Account Number ] with Chase Bank, which I recently discovered has been restricted without proper notification. As a valued customer, I believe it is my right to have clear communication from my bank regarding any account restrictions or limitations. 

Upon reviewing my account statement, I was shocked to find that my account has been restricted without any prior notice or explanation. This restriction has caused significant inconvenience and distress as it has affected my ability to access my funds and manage my financial affairs. 

I want to draw your attention to the fact that, under Florida law, financial institutions like Chase Bank are required to provide account holders with clear and timely notifications of any account restrictions or limitations. Failure to do so may be in violation of the Florida Consumer Finance Act, Section 560.404, which outlines the obligations of financial institutions to inform customers of account restrictions. 

I hereby demand the following actions to rectify this situation : Immediate Notification : Chase Bank must provide me with a detailed written notice explaining the reasons for the account restriction as required by Florida law. This notice should be sent to the address on file and via electronic means, if possible.

Rejection of Direct Deposit : I request that any pending direct deposits scheduled to be deposited into my restricted account be rejected and returned to the sender. This is crucial to prevent any further financial hardship caused by the freezing of my funds.

Access to My Money : I demand immediate access to my funds in accordance with Florida law, as long as there are no legal grounds for continuing the account restriction. This access should include the ability to withdraw funds, make transactions, and manage my account online.
Product: Debt collection

National Credit Adjusters ( NCA ) has recently placed derogatory information on my Credit Bureaus. This information was removed prior to under another Kansas-based collection agency by the name of XXXX  XXXX XXXX/Collections for an original debt with a vendor named XXXX XXXX. 
Back about 3 months ago, the XXXX XXXX/XXXX XXXX collections account was removed after putting in a dispute and providing the necessary and requested information to verify my identity as to whom I am and the US Postal service in XXXX, TX, which reflected the PO Box used to commit the fraud was in fact a noted address used for an ID Theft scheme and fraud. I signed notarized statements to this effect and was informed the XXXX XXXX issue was resolved with its collections removal. 
For NCA now to have purchased the account and have not contacted me, even though I have resolved this matter, has shown bad faith and a deterrence to resolve this matter without any further need for resolution. It is believed that this re-victimization is a ploy to aggravate and force me into paying a debt that I do not owe nor is my debt specifically due to ID Theft from the time period all of this previously occurred.
Product: Credit card or prepaid card

I was pre-approved by Credit Karma for cards, applied for them only to get denials due to a lack of credit.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ON XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 I spoke to a representative at XXXX on those 3 conversations the representative never verified me properly, she did not disclose that the call was being monitored and recorded, she did not state mini Miranda and she did not disclose her company name. She also continuously called me back to back on several occasions. She never got permission to call my cell phone and kept calling about 4 times per hour.
Product: Money transfer, virtual currency, or money service

Back in XXXX, PayPal sent me an email to put my account with limitations and asked me to take action. I followed all steps and provided all my personal information and other banking accounts statements, then PayPal closed my accounts WITHOUT any notification nor explanation. Also Im not allowed to open any new account with my name. Its very unacceptable!
Product: Debt collection

The company has received a credit card debt from XXXX back for a credit card I owned. The account was handed over to XXXX XXXX XXXX to be settled. It was settled at a lesser amount and now they have put a collections on my credit for the full amount not the settled amount.
Product: Payday loan, title loan, personal loan, or advance loan

I want to payoff this loan early. I went to their website and their is a button to click to see what the payoff amount but it does not show you the payoff amount. When I went to the chat box, indicated I wanted to payoff the loan early, it referred me to customer service to speak with an agent. When I call customer I am put on hold and no one ever answers. I have being trying to speak to a live agent for over a week now. I'm going to stop the allotment from my paycheck since they will not allow me to pay off this high interest loan. I work for the XXXX XXXX and this company specifically target government employees. BMG Money is a criminal organization and should be prosecuted. 

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

I noticed an inquiry on my XXXX  Credit Report conducted by XXXX XXXX XXXX on XX/XX/2019. I have tried to dispute this item with XXXX which they referred me to XXXX XXXX XXXX. 
I have written to XXXX XXXX XXXX requesting a copy of any document they may have allowed them for this inquiry, however they have not responded to my request and after I contacted the phone number they provided to XXXX I was forwarded to Credit Co which they told me they do not have to provide any proof for the inquiry.
Product: Money transfer, virtual currency, or money service

Money gram don't want to take any responsibility on their fault, which cost me {$6000.00} Below are details for Court 's attention for preparing court orders to money gram. 
Transaction 1 : - Amount : - XXXX Place : - XXXX XXXX, NJ, XXXX XXXX : - XXXX Transaction Date : - XX/XX/2022 Sender Name : - XXXX XXXX Receiver Name : - XXXX XXXX ( Fraud Party ) Receiver Bank Account Number : - XXXX Money Gram Tracking ID ( when money was being transferred to XXXX XXXX ) XXXX Money Gram Case ID ( when complained by XXXX XXXX on this dispute ) : - XXXX XXXX XXXX Bank Transaction Statement ID : - XXXX Transaction Date reflected on XXXX XXXX 's bank statement : - XX/XX/2022 Transaction 2 : - Amount-2001.99 Place : - XXXX City XXXX NJ, XXXX XXXX XXXX - XXXX Date : - XX/XX/2022 Sender Name : - XXXX XXXX XXXX Name : - XXXX XXXX XXXX Fraud Party ) XXXX XXXX Account Number : - XXXX Money Gram Tracking ID ( when money was being transferred to XXXX XXXX XXXX XXXX Money Gram Case ID ( when complained by XXXX XXXX on this dispute ) : - XXXX XXXX XXXX XXXX  Transaction Statement ID : - XXXX Transaction Date reflected on XXXX XXXX XXXX bank statement : - XX/XX/2022 Transaction 3 : - XXXX Place : - XXXX XXXX, NJ XXXX XXXX XXXX : - XXXX Date : - XX/XX/2022 Sender Name : - XXXX XXXX Receiver Name : - XXXX XXXX ( Fraud Party ) XXXX XXXX Account Number : - XXXX Money Gram Tracking ID ( when money was being transferred to XXXX XXXX ) -Email was not sent to me by Money Gram but transaction occurred and amount was deducted from my bank account. 
Money Gram Case ID ( when complained by XXXX XXXX on this dispute ) : - XXXX XXXX XXXX Bank Transaction Statement ID : - XXXX Transaction Date reflected on XXXX XXXX 's bank statement : - XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax dated XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payments from these accounts : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

cfpb - Some of these complaint questions did not apply though could not continue until I choose a non related answer. 
Here are the bullet points of what is happening since origination of this loan : XXXX. A {$120.00} fee hidden " embedded '' in closing docs - They refused to remove until my Escrow agent got involved. 
XXXX. Their employee XXXX sent an email to me with other customers 1098 tax forms. They said it was a mistake and just delete... 
XXXX. Mailed ( XX/XX/year> ) payment as usual and on ( XX/XX/year> ) received an email showing I had not paid my ( XX/XX/year> ) payment. Sent proof Ck # XXXX ( XX/XX/year> ) cleared ( XX/XX/year> ). Again, they said " it was a mistake. '' 4. Mailed ( XX/XX/year> ) payment Ck # XXXX dated ( XX/XX/year> ) earlier to avoid above # XXXX including a large note showing NOT to cash the check before ( XX/XX/year> ). They ignored and cashed Ck # XXXX on ( XX/XX/year> ) which caused an NSF fee. 
XXXX. Received a call from a XXXX at XXXX XXXX stating he is in their Legal depart and asked for my verbal password. XXXX at XXXX says he is a third party vendor, not from Legal. So I asked why did he lie? Also asked her to change my verbal password and she would not wanted to send me back to this third party vendor.
Product: Checking or savings account

Due to an issue with my XXXX account being hacked, I was concerned about the safety of my account. However, my phone was experiencing a lot of difficulty and malfunctioning. I reached out to ask what my options were and if there was a way to secure the account without having to use the phone number to reopen it, Instead of responding with options, they immediately closed/locked the account and did not secure the card number which meant if there was a breach of my account, the problem was unresolved. 

I tried to inform them that this was not helpful, but they had already taken this action and I was told to prove my identity with a picture of me and my photo ID. 

Unfortunately, my phone is dead and to get said picture I had to use someone elses phone. I sent the requested picture and was then redirected to the beginning of the process. They asked me to prove my identity again with the picture. I did. They asked me to do it a third time. I am currently working on it, but Im furious. I cant get XXXX presents for my family right now due to this entire issue. 

I also have had a variety of issues with their customer service. When Ive called them, I have been put on hold for hours immediately after informing them I am XXXX XXXX. Eventually, I asked someone else to call chime shortly after me to see if this was a reaction to my hearing loss. We both asked about the same issue. I said I was XXXX and got put on hold for seven hours. The other was done with their call in about an hour. 

I am sickened by the awful customer service and failure to protect, secure, and assist their account holders. I wish to close my account, but was told I have to prove my identity despite having done so multiple times already.
Product: Student loan

My Private student loan with XXXX XXXX was transferred to Navient. I joined the military in 2009 and was able to take advantage of a repayment plan. It helped when my loan was with XXXX XXXX. Ever since the loan was being handled by Navient I have been calling and calling and the automated operator would say please call during our normal business hours even when I am, and it would hang up. Then I called XXXX XXXX and they would transfer me to Navient but then they 'd attempt connecting me to another operator that is supposedly the correct department and it would say again " Please call during our business hours '' and hang up on me. I am tired of the treatment from Navient and I am a XXXX veteran trying to receive assistance with info and repayment options. I am going through financial hardship and it is close to impossible to get this matter resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

Are you kidding me? You conspire to create these problems and want 20 questions to pretend to solve them ( previous owner dead a year and offers to refine the home not addressed to me ). If your org. is on the mailer, you should be accountable. Cease and desist!
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed incorrect information on my report. 
The information youre reporting is inaccurate on my credit report. You are reporting a late payment for all through XXXX XXXX This is not true, I was never late on this account. Also, a late payment for XXXX is not correct either. 
I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 @ XXXX Made a call to XXXX XXXX which claims they have no record of the inquiry company, XXXX XXXX is an outsourced call center, Credit Karma is automated and I can not get the assistance I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received an email from XXXX that inquiries were made on my credit to Ginny 's, Seventh Avenue, XXXX, and Montgomery Ward. I did not try to open any of these accounts. I also received a message that a XXXX card was opened in my account. I contacted XXXX and they were able to close that account. They notified me that the person that opened a card on my account lives at XXXX XXXX XXXX XXXXXXXX XXXX and their phone number is XXXX. There are multiple accounts that someone has tried to open on my account. I also received notification that there are two phones purchased and two phone lines opened in my name under my XXXX account and I do not have these phone lines or these phones. These were opened in fraud and I spoke to someone regarding this at XXXX and nothing has been done
Product: Vehicle loan or lease

XXXX XXXX has Reposes my 2021 XXXX XXXX of last year they have committed several violations inside the contract i had with them. Repossessions are illegal due to 15 USC 1692e ( 4 ) 15 USC 1692f ( 6 ) They also sold my information to another party due 18 USC 894 that's imprisonment and fines. Also they ask me for a down payment of {$2500.00} due to 15 US Code 1605 the down payment is include in the finance Charge.
Product: Debt collection

During a previous ER visit and getting test done XXXX failed to submit ALL the required paperwork to my insurance provider. I finally tracked down what the insurance company was looking for and ensured they received the proper form. They reprocessed the claim and paid what was allowed. Then yesterday I received a letter from KeyBridge collection agency stating I still owed {$67.00} which I don't feel is correct. I've already paid out of pocket over {$800.00} for this same claim and would like to know why they are still seeking more payment???
Product: Credit reporting, credit repair services, 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 - Dispute opened, not fully resolved XXXX XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX  XXXX - Dispute opened, not fully resolved XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX - Dispute opened, not fully resolved 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an 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 ) Section. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charges listed. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

After I tried several times to dispute the XXXX and XXXX account you keep telling me that they are correct. They are not correct. I only use VA hospitals as XXXX XXXX Va XXXX. Ive never been in an ambulance. If XXXX is telling you differently, they are deliberately lying to you. I cant show you papers or contracts from a hospital and ambulance Ive never used. Here is my VA info for whom I only use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with my experian credit report, it's showing that my closed account with XXXX is paid but foreclosure procedures started in XX/XX/XXXX. This is incorrect information as the account was paid in full in XX/XX/XXXX. I have disputed this information for the first time in XX/XX/XXXX. I have a letter from XXXX supporting this information and I have presented this to experian. The dispute results states that they contacted XXXX and they said the report is correct despite the legal document that I have, signed by XXXX and issued on XX/XX/XXXX stating the contrary. 

I have contacted experian multiple times to get help on this issue but they won't change the report affecting and damaging my ability to get any type of credit due to incorrect information in their report. In my last call to experian ( XX/XX/XXXX ) the operator told me that i have to contact XXXX as they can not change my reporting even with the legal documentation i have provided showing the opposite.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the credit bureaus o n   XXXX   XXXX   requesting proper documentation for the things that have been reported. I did not receive a response, on   XXXX   XXXX   I called all three bureaus they stated they would pro vide proper documentation within 30 days and I have received nothing.  <P/>   XXXX  - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus
Product: Debt collection

I have advised XXXX not to contact my Place of Work, several times I continue to get phone calls from then our calls are monitored. I also have spoken with one of tem last time they called, and advised i would call later to make arrangments the woman was so rude she advised they could not do that and good luck to me, I told that person not to call my place of work. Today same company called my place of work again. XXXX XXXX is the Man who called, they call from XXXX phone numbers to disguise who they really are.
Product: Credit reporting or other personal consumer reports

I am writing to address an error in the reporting of my account with your institution. My credit report shows a late payment on CBNA XXXXXXXX, which is inaccurate. Upon reviewing my records, I discovered that there was an error in processing my payment on your end. I kindly request that you rectify this error and update my credit report promptly
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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