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

I did not authorize nor consent to the following inquiries being furnished on my consumer report.700 credit XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
US DEPT ED XXXX Balance Owed : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$2000.00}.
Product: Mortgage

My loan servicer is in " breach-of-contract '' of a modification I completed back in XXXX of 2013. At that time my monthly loan payment was XXXX. However, the very next month after the modification took effect, Ocwen began increasing the payment to an unmanageable amount. It stands now at {$810.00}, too much for someone on a fixed income to pay. Ocwen has been denying it did anything wrong for years. Now, something must be done! Under the most recent settlement agreement, breaking a modification agreement is punishable by fines and other remedies. In addition, recently Ocwen has attempted to get me hooked up into another high-payment modification, which is only {$27.00} less than the current payment it has set for my mortgage. This is an outrage!! People 's homes, that they 've invested their life-savings in, are in jeopardy. Please do something now! To make matters worse, Ocwen has transferred my loan to not XXXX, but XXXX different loan servicers, XXXX right after the other. This has occurred within the last two weeks. The State of TN had been paying my mortgage payment, but that ended last XXXX. In order for me to pay, the original modification must be enforced. 

The recent Federal lawsuit and ruling against Ocwen states that it can not breach modifications on loans where at least XXXX payments have been made. Nor can it transfer the loan, multiple times, and/or abandoned modification agreements. As such, I am requesting that the CFPB enforce the Federal ruling against Ocwen, on my behalf, per the law!.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the handling of my open account with your company. Despite numerous attempts on my part to rectify the situation, the issue of late open account persists, and I feel compelled to escalate this matter to ensure it receives the attention it deserves. 

Despite my repeated efforts to address this matter through various channels, including emails, phone calls, and in-person visits to your offices, there has been a lack of resolution. Each time I have reached out for assistance, I have been met with assurances that the issue would be promptly resolved, yet the problem persists. 

The consequences of these late open account have been detrimental to both my personal finances and my confidence in your company 's ability to fulfill its obligations. Not only have I incurred unnecessary fees and penalties, but the trust I once had in your organization has been severely eroded. 

As a valued customer, I believe I am entitled to timely and efficient service, which unfortunately has not been the case. Therefore, I am formally requesting the following actions be taken to rectify this situation : Immediate resolution of all outstanding late open account associated with my account.

Compensation for any financial losses incurred as a result of these delays.

Assurance that measures will be put in place to prevent similar issues from occurring in the future. 
A formal apology for the inconvenience and frustration caused by this ongoing issue. 
I expect a prompt response to this complaint and a clear plan of action for addressing the concerns raised. If necessary, I am prepared to escalate this matter further through legal channels to seek appropriate restitution. I am asking for your assisstance to correct the late open account in my credit file : XXXX XXXX XXXX XXXX : {$4400.00}.
Product: Credit reporting or other personal consumer reports

my complaint is in regards to an item posting on my credit reporting derogatory as XXXX XXXX Acct XXXX XXXX opened XX/XX/XXXX this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed. 
FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account
Product: Debt collection

I saw an account with LVNV funding on my credit report. I do not know who that is. I have written them several times and disputed with the credit bureaus. They have not responded to me in writing as I have asked. Instead they have just continued to threaten me with a lawsuit via phone calls repeatedly at work. I am so tired of this. PLEASE HELP ME
Product: Debt collection

XXXX XXXX XXXX has repeatedly tried to collect wrongful amounts from me. They currently have accounts under my name at a collection agency called " Credit Collection Services '' out of XXXX XXXX XXXX, XXXX, MA. When I called my insurance to verify the EOB 's, my insurance said that XXXX incorrectly filed the claim and therefore did not pay the amount. XXXX did not refile the claim and said it was my responsibility to pay the amount. I told XXXX that it was not my job to do their job, and their representative said that I still owed the amount. This has happened numerous times to me and my family members.
Product: Consumer Loan

my car was financed with bank of the west and i totaled my car but i took out gap insurance with the purchase with XXXX., but they want a payment history and bank of the west stated that they would fax to them so that the balance of the loan could be paid off but instead they are sending me a payment history which i already have from the checks that i sent bank of the west they are just trying to delay the process of get the loan paid off.
Product: Checking or savings account

I opened a Chime debit card in XXXX. Ive logged into the system multiple times and received emails from chime as recently as XX/XX/XXXX. None of the emails advised me of my account being closed. When I went to log-in yesterday they blocked my account access with a banner Unfortunately, based on the information provided, we were unable to open a Chime Deposit Account for you at this time. Due to security reasons, our Member Service team is unable to provide you with any further information.When I called the only Chime customer service line I can find online the Chime agent said the account has been closed due to a lack of activity. They asked me to provide a photo of the front and back of my drivers license to reopen my account. Providing a photo of my ID to a call center in XXXX concerned me, so I asked if I could give them the pin or other information that was created when I opened the account. They again repeated they couldnt reopen the account unless I gave them a photo of both sides of my ID, so I asked for a refund of the {$500.00} that was deposited on the card due to them shutting down my account without my knowledge. The agent said I needed to contact XXXX to get my refund. When this email address bounced back as undeliverable, I asked for a customer service manager who told me I needed to follow up with my States unclaimed property department. When searching my name and zip code on the XXXX XXXX XXXX unclaimed property department I see nothing relating to the unclaimed funds. Ive tried to call XXXX customer service department and it kicks me back to Chimes overseas customer service department that has already been unable to assist me. Im just looking to recoup my initial {$500.00} deposit with Chime and get away from the horrible business practices that I encountered dealing with them.
Product: Credit card or prepaid card

ON XX/XX/XXXX Capital One took out a payment of {$25.00} and another payment of {$50.00}. Which on their mobile app I cancelled both payments due to the fact that I realized that I did not get paid till XX/XX/XXXX and funds would NOT be availble at that time. I then post poned a payment to be taken out on XX/XX/XXXXfor {$25.00}. I checked my bank account on XX/XX/XXXX and showed that I was hit with 2 NSF charges from capital. ( so i cancelled that payment for the XX/XX/XXXX payment of {$25.00} ) I quickly looked at my capital one app and shows that they still pulled out of my bank account even though I cancelled my payment with them. I called XX/XX/XXXX they stated nothing they can do what is owed is owed. On XX/XX/XXXX I contacted them again and they again stated that nothing they can do that there was no cancellation on there end and I told them that I was on there app and cancelled both payments. ( my payment is due on the XXXX of every month. And I have always paid either before or 2 days later and NEVER been hit with a late fee from them ) That their must have been a glitch on  there end. I have never been late with a payment nor have i ever been hit with an NSF charge before from my bank account. They transfered me to another agent and the agent didn't want to listen to what I had to say. Said we can credit your account the {$25.00} for late payment but the return of the XXXX nothing they can do. Stated my bank sent them notification stating no funds were available on XX/XX/XXXX which my funds were available on XX/XX/XXXX. I stated I can fax them a copy of my statement showing when I transferred money into my savings account and the day that it was transfered, he stated that won't matter and to contact my bank. I have asked for them to credit my account for what they have tried to pull and to refund me or credit me the NSF over charge fee from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act reports on inquiries and account information 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. 

The following inquiries show on my credit reports from XXXX, Transunion, and XXXX : Unrecognized Inquiries : 1. XXXX XXXX XXXX -- Alleged credit line increase request that was not completed online still appeared as hard inquiry. XX/XX/2021. 

2. XXXX XXXX Credit Card request on XX/XX/2021 appears twice, when it was only executed once. 

Account I want kept private : XXXX XXXX Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not been reporting information sent to them from my credit agencies, XXXX XXXX which on my report is XXXX XXXX XXXX XXXX also known as XXXX XXXX is being reported to.the other two bureaus XXXX and XXXX as of XX/XX/2018, Everytime there is information sent to the bureaus transunion time and time again does not and is not reporting information being sent to them
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I paid my credit card balance in full : {XXXX0}, bringing my balance to {XXXX I have not used my credit card in the last 47 days and the balance remains {XXXX}. XXXX XXXX did not update the credit bureaus with the correct balance until XX/XX/XXXX. Yesterday, XX/XX/XXXX, they falsely reported my balance as {$XXXX}, despite have 2 billing cycles pass with a {$0.00} balance. Their actions have caused me irrevocable harm as their yo-yo reporting dropped my XXXXredit score significantly and caused me to be unable to secure a home loan and may result in me being homeless by year end. I have never missed a payment and have a have been a loyal customer for years now. Their actions are unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$640.00}
Product: Debt collection

This is actually XXXX things simultaneously ( harassment and debt already paid ) Nationwide Credit Inc has continued to call me and harass me about a current and paid as agreed XXXX XXXX Account, that is OWNED BY XXXX. 

Nationwide Credit has called me 14X after I stated do not call me. 

Nationwide Credit is repeatedly harassing me on the phone, asking me for money on the monthly payment due that have already been paid directly with XXXX. 

Nationwide Credit today, called me about my XXXX XXXX account, in reference to a XX/XX/XXXX payment due of {$41.00}, which was paid on XX/XX/XXXX, to the amount of {$150.00}. 

I told them our business is concluded and there is no reason for them to call me, and I have explained that I am under doctor 's orders to reduce stress, and I told them this several times. Their calling has aggravated my health condition. Beyond that my account is paid. Paid is paid. You can't get more perfect than paid. So why are you calling? Just to harass me!! 

Here are the details : NCI Documentation : XX/XX/XXXX Statement : {$1900.00} Past Due {$160.00} Due Date : XX/XX/XXXX Paid {$200.00} XX/XX/XXXX Even though Paid and Current, NCI continued to call and harass me, on XX/XX/XXXX, THREE DAYS AFTER PAYMENT. Therefore, to avoid future harassment, I decided to pay the NEW statement, which had just posted that same day, which was {$41.00} to be paid by XX/XX/XXXX. In an effort to keep them from calling and harassing me, I paid a SUBSTANTIAL higher amount, 25 days early. As reference next. I PAID {$150.00} instead of {$41.00} in advance. As in early. 25 days early. Yet they called today to keep harrassing me. 

XX/XX/XXXX Statement : {$1700.00} Min Due : {$41.00} Due Date : XX/XX/XXXX Paid {$150.00} XX/XX/XXXX Clearly this is repeated violation of the FCRA. Ive repeatedly expressed to never call me, and especially do NOT call me when my account is current. I have 3 REV PAR taped recordings conveying my wishes to them as well. 

XXXX XXXX is an Accomplice in this by knowingly and willingly allowing this behavior. I have reported it to several account managers at XXXX XXXX. This is not an external collection, but their internal account services team I have been told. 

I have also never received ANY communication regarding my debt through NCI. They just started calling me one day.

I have contacted 2 law firms today discuss my case as well. One located in XXXX, and one is a large National Firm.
Product: Debt collection

Dear CFPB Representative, I am writing to formally lodge a complaint against TransUnion for reporting a medical collection on my credit report, which is in violation of Florida law. As a resident of Florida, I am aware that medical collections are not supposed to be reported on my credit report according to state regulations. 

Details of the Complaint : Name of the Credit Reporting Agency : TransUnion Date of Incident : XX/XX/XXXX Description of the Incident : Upon reviewing my credit report from TransUnion, I discovered that a medical collection account has been added to my report. This is a clear violation of Florida state law, which prohibits the reporting of medical collections on consumer credit reports. 
Account Details : XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX- Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} I have contacted TransUnion to dispute this matter and requested the removal of the medical collection from my credit report. However, my request has not been addressed satisfactorily, and the inaccurate information remains on my report. 

This erroneous entry has negatively impacted my credit score and has caused undue stress and potential financial harm. I am requesting the CFPB 's assistance in resolving this matter promptly and ensuring that TransUnion complies with Florida state law regarding the reporting of medical collections. 

Resolution Sought : Immediate removal of the medical collection from my TransUnion credit report. 
Confirmation that TransUnion will adhere to Florida law and cease reporting any medical collections on my credit report in the future. ( XXXX XXXX XXXX XXXX Any necessary corrective actions to rectify the damage caused by this inaccurate reporting. 
I have enclosed copies of relevant documents, including my credit report showing the disputed medical collection and any correspondence with TransUnion regarding this issue. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue swiftly. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

All the bankruptcies that I filed they were prose [ pro se ] the bankruptcies were not gone all the way through and its really affecting my credit and my credit score, please I '' m asking to remove all the bankruptcies on my report. 
Bankruptcy reference # XXXX Bankruptcy reference # XXXX Bankruptcy reference # XXXX and Bankruptcy reference # XXXX, thank you. 
I can receive email when the situation has been resolved, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. ELAN CACS CC, XXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. ELAN CACS CC, AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account from XXXX XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to contact transunion, XXXX, and XXXX, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and transunion and XXXX are ignoring my situation.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing a serious issue concerning inaccuracies on my consumer credit profile reported by XXXX, XXXX, and XXXX. Despite my diligent efforts to rectify this matter directly with the credit bureaus, the inaccuracies persist, and my attempts to resolve these issues have not resulted in the necessary corrections. 

I have sent detailed letters to each of the XXXX credit bureaus outlining specific inaccuracies on my credit report. In my correspondence, I provided substantial evidence demonstrating that the information reported is incorrect. This evidence includes documents such as account statements, payment confirmations, and other pertinent records. Furthermore, I referenced the relevant consumer protection laws that mandate the correction or removal of such inaccurate information.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of their credit information. If the information is found to be inaccurate or can not be verified, the FCRA mandates that it must be corrected or removed from the consumers credit report. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] supports my case by stipulating that any information that is not verified within the prescribed period must be deleted.

Despite this clear legal framework, the credit bureaus have not taken the necessary steps to correct or remove the inaccurate information from my credit report. This failure not only impacts my creditworthiness but also contravenes the consumer rights guaranteed under federal law. I kindly request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are corrected in compliance with the FCRA and that the credit bureaus adhere to their legal obligations.

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these discrepancies. Should you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I recently made a deposit into my business account and waited for the deposit to clear. The deposit has cleared and US Bank is refusing to allow me access to my funds. Ive called multiple times trying to figure out the reason but they are not giving me any clarity on the situation. Ive spoken to XXXX from the US Bank Online Banking department and have asked multiple times to speak with a manager but to no avail. Why can US Bank restrict me access to my accounts for no reason? I have been on the phone for the past few hours and getting no information to help me solve this problem! I have received no type of corresponds informing me of anything that is happening.