23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a purchase on my XXXX credit card on XX/XX/year> for {$59.00}. I was signed up for electronic statements. I realized a payment was due and sent the full amount on XX/XX/year>. This was four days after the due date of XX/XX/year>. When I called Comenity on XX/XX/year> when I realized I had been assessed a {$30.00} late fee, I learned I was eligible for a one time credit because of my prior payment history. I sent an electronic message on XX/XX/year> disputing how any future late fees are applicable. I received a response on XX/XX/year> but it only confirmed the credit adjustment for the initial late fee. I checked all the statements and realized I was continually being assessed a {$30.00} late fee for every additional month when the original charges were paid on XX/XX/year> and the late fee was credited on XX/XX/year>. I sent another detailed request for an explanation of the late fees on XX/XX/year>. I received a reply early this morning. It does not provide a reason why additional late charges are being assessed while I have been questioning the second late fee being applicable when the first one was eligible for adjustment. There has been no balance on my account since I paid the charges on XX/XX/year>. 

I also complained about the lack of information in the emails that are sent as far as the full balance on the account, not just the minimum balance due. In addition, the company has called my cell phone more than 25 times in the last month from various numbers, none of which indicate Comenity is the caller.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX/ ALL LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In forbearance due to economic hardship due to lack of unemployment. I was told that I would not have to pay nor would my loans reflect as late.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been banking with Ally for more than 4 years now ( savings and checking ) I use them primarily for my savings account, and in XXXX starting to create my emergency fund. Till about XX/XX/2021, I had between XXXX and XXXX inside ( I don't have the exact amount as I have not been able to access my account for over 30 days ). 

I had traveled and received an email saying my account had been locked on XX/XX/XXXX, and to contact the XXXX department. On the XXXX and XXXX I had called, and never got through to the XXXX department. On the XXXX I got through, and responded to the email saying I had spoken to someone ( rude ) about my account, and that I was told an investigation was underway. 

Since that day, I have called Ally bank almost 2-3 times per week to find out about my account. Every time I called in XXXX, I was told a different story- we can't tell you why your account is locked ( nor did they tell me on the XXXX, after spending over 15 minutes answering all their questions ) ; there is a 30 day investigation period ; there is no deadline for an investigation ; an investigator will call you. 
I called again last week, and was told my case will be addressed shortly. 

This week ( Tuesday I believe, the XXXX ), I called again and said I had reached the extent of my patience, it had been over 30 days and had not had a resolution to my account being frozen. I spoke to another person yet again, and she said she is contacting an investigator, and they asked when would be a good time to be called back, to which I responded ASAP as I need access to my funds. 

It is now XXXX  morning, and I have not received any phone call. 

I still have no access to my funds, nor any explanation as to why or when it will be resolved.
Product: Credit reporting or other personal consumer reports

My name is XXXX ; XXXX XXXX The Agent for principal XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. On XX/XX/XXXX. An unknown employee of American Express has continued to report negative information onto my consumer report. Dating back to XX/XX/XXXX a CFPB complaint was submitted for the same harassment complaint number XXXX. The repeated negative report today says " AMERICAN EXPRESS has flagged your account as charged off as bad debt with XXXX. Which may negatively impact your credit score based on XXXX data ''. PLEASE BE ADVISED. I AM AWARE THIS IS EXTORTION. If you disagree and feel this is not extortion. Please provide proof that gives you the right to report NEGATIVE information onto the consumer credit report. Also, please explain in detail what is the true purpose and reason for reporting NEGATIVE information onto the consumer report, when knowing the negative information reported will damage the reputation of the consumer with other " Creditors ''. I am requesting for lawful proof stating that NEGATIVE information can be reported. Not your companies policy saying you have to report NEGATIVE information, but the law.
Product: Credit reporting or other personal consumer reports

I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. Pursuant to 611 of the Fair Credit Reporting Act, I kindly request that you promptly investigate and rectify any inaccuracies found within this information.
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 XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I did not start these inquiries, and I am not connected to any of the creditors listed. Please take them off of my credit report right away.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to dispute the correctness of specific information within my credit report. Enclosed, you will find the necessary documents highlighting the disputed items. It is imperative that the inaccuracies or omissions I've identified be rectified or eliminated. 
To substantiate my claim, I have included copies of my driver 's license, utility bill, and XXXX XXXX XXXX. I urge you to promptly investigate these matters as they are negatively impacting my financial situation and causing distress in other areas as well. Your swift attention to this issue is greatly appreciated. 
Thank you for your prompt assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need these hard inquiries removed using the Federal Credit Reporting Act 15 U.S.C 1681. I dont think its fair when XXXX and XXXX removed these items already and Trans Union did not yet. 


XXXX Inquiry date XX/XX/XXXX, XXXX Removal date XX/XX/XXXX Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Finance other than personal Contact info Address po box XXXX XXXX, XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses have been reported to Experian numerous of times stating that this is incorrect. They continue to publish these addresses regardless of my complaints.
Product: Credit reporting or other personal consumer reports

I am rewriting the complaint to JPMCB HOME about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Bank account or service

I am XXXX of those people who opted out of overdraft protection because I did n't think we would need it with a household account and a personal account for myself. Then when I started paying bills all was well with the world then I started getting an overdraft notice because on their online site there is a button to click to use the household account or the personal. Several times now money is in the account and I click on the button but it charges me overdraft and pulls from the personal. 
This time I paid homeowners and car insurance and they hit me with XXXX ODs in my personal account and I have money in the household. Transfer the money and I am still overdrawn by {$66.00}. Is this their way of making money. I went into the branch the XXXX time, the assist manager said if I just wanted to spend money that I did n't have this would happen. I do n't spend money I do n't have because I do n't make enough money as it is. I am very careful, but this is out of hand. I am going to close both accounts and go somewhere else. I do n't believe it, that they could n't see where the money was, they just wanted the od protection fees. Keeping money in the Household acct and less in the personal, The acct numbers are only XXXX digits different
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently reporting my DOB and SSN incorrectly and I have attempted to dispute them both several times online. There are also multiple addresses, names, and phone numbers reported that are incorrect as well.
Product: Mortgage

I have been working with IndyMac turned to Ocwen since XXXX to process a deed-in-lieu on a property I owned. After much back and forth with the banks, my property was finally officially transferred/deed recorded from me to Ocwen in XXXX XXXX. Since then, I have followed up with Ocwen several times to receive a XXXX to file with my taxes. As an aside, they issued a XXXX in error in XXXX. Each time I contact Ocwen about a XXXX, they keep saying that they are still working on my file to close it out. It 's been 17 months since the deed has been transferred to them and I just called the other day and they told me that they were still working on it and may not have it done by the end of XXXX? The Mortgage Forgiveness and Debt Relief Act of XXXX provides a tax exemption for homeowners for " income '' resulting from debt forgiveness related to foreclosures, short sales and principal forgiveness of loans. That Act expires on XXXX XXXX, XXXX and therefore, if Ocwen does not process this deed-in-lieu it would prohibit/exclude me from exercising my protections and rights under that law. I am XXXX XXXX in the United States XXXX XXXX and had to release this property as a result of a permanent change of station as a result of my call to XXXX XXXX. I am serving this nation, and I have tried my best to work with Ocwen to resolve this matter, yet, this issue is not a priority to them since they will benefit from having me not qualify for relief under the law. I would hate to think that they are " sitting '' on my file so that I can not claim relief under the law. If that 's not the reason, they have very inefficient business practices that will ultimately have grave financial repercussions for me. I am disappointed and at my wits end. Once again, Ocwen claimed that they would try to expedite resolve, however after 3 years of going back and forth with Ocwen, I ca n't continue to believe what they tell me. I have filed XXXX XXXX complaints but they have an F rating anyway so that has not worked. I am now reaching out to the CFPB in hopes that you all can help me to get them to simply close out my deed-in-lieu file before XXXX/XXXX/XXXX.
Product: Debt collection

My mortgage on my personal residence is being serviced by Shellpoint Mortgage Servicing. They have incorrectly stated that I have an escrow account for my mortgage. Further, they have incorrectly reported to credit agencies that my XX/XX/XXXX payment was 30 days passed due. All of this has prevented me from getting my mortgage refinanced. I have called them on numerous occasions with regard to the escrow account. They have repeatedly told me that I do not have an escrow account and they have corrected the problem only to find that the next months statements continues to indicate that I have an escrow account. In addition, on Wednesday, XX/XX/XXXX and Thursday, XX/XX/XXXX, per their customer service, the only way to deal with this was to send an email to their loan servicing department with full documentation of their errors requesting that they immediately correct my account and remove the 30 day notice from my credit report. To date, they have done nothing.
Product: Bank account or service

the PNC bank of XXXX PA ALLOWED THE VISA CARD PEOPLE TO GO INTO MY BANK ACCOUNT ENDING IN XXXX A TAKE MONEY FROM MY ACCOUNT WHEN I HAD CHANGED DEBIT CARD NUMBERS AND WAS TOLD BY THE BANK THAT NO ONE COULD COME IN MY ACCOUNT AND TAKE MONEY WITH OUT MY ACCOUNT NUMBER! THEY ALLOWED THE XXXX TO DO SO AFTER CHANGING MY DEBIT CARD NUMBER! THE XXXX PEOPLE GAVE THE XXXX PEOPLE MY NEW CARD NUMBER WITH OUT MY PERMISSION A VIOLATION OF THE FDERAL PRIVACY ACT!
Product: Debt collection

Portfolio Recovery Associates is reporting 3 collection accounts on my credit reports. When I disputed them and asked them to provide validation of the debt, they only responded with credit card statements for each account. This is NOT validation that I owe them. They need to provide original signed contracts with the lender or they need to remove the accounts from my credit reports.
Product: Vehicle loan or lease

Mechanics Bank my auto lender is in violation of California Civil Code 2983.2 for failure to provide the required 60-day notice to me prior to disposing of my car. Mechanics Bank provided zero notice to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have XXXX different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. XXXX violations total is XXXX, between the XXXX accounts. XXXX violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit card

two credit card companies have the wrong info and reporting credit against me. i have tried to have them correct the problem. sent certified letters asking for the social security number to be corrected and nothing happens