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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report, I wanted to make sure everything is 100 % correct and accurate. Can you investigate the accounts listed below. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX, XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX, XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report.
Product: Mortgage

In XX/XX/XXXX my loan was transferred from Ocwen to PHH Mortgage for servicing. PHH Mortgage is essentially just a new company that Ocwen created. I was given very short notice ( less than XXXX days ) about the change. Not a problem because I pay my mortgage on time. I attempted to locate my historical account statements on the new website provided by Ocwen/PHH and there is no historical account history. There is no form XXXX from XXXX. I have contacted PHH multiple times and they are refusing to post my account history to the website or provide online access to this information. They are also refusing to email this information. I can not verify if my mortgage and escrow balances were transferred correctly but more importantly I can not see/confirm my mortgage history XXXX including charges and payments ). 

We all understand mortgage servicing can change but the customer should not have to suffer by losing access to their account history, account statements, tax forms ( XXXX ), etc. PHH and Ocwen provided insufficient notice and they did not explain that customers would be unable to access historical account data.
Product: Checking or savings account

I received several emails from PenFed exhorting me to join their credit union ( I was a member when I was stationed in XXXX, XXXX and XXXX, XXXX ). 

They sent me a request for color copies of ( quote ) : 1. Social Security Card, current tax year W-2, or signed current year tax return showing SSN.

2. Current, non-expired U.S. Government-issued ID, such as driver 's license or passport.

3. Driver 's license, utility bill dated within the past 30 days, or current vehicle registration.

I uploaded color copies of my Social Security Card, XXXX XXXX XXXX retired ID card, and my Virginia driver 's license. 

They rejected me out of hand for not having a government-issued ID card. The United States XXXX XXXX has been a US government entity since XXXX XXXX  XXXX, and I served in that department for 20 years. 

Either they mistated their needs or chose to ignore
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX XXXX, I evidently went online to research my credit score. I found an offer from a company named " XXXX '' ( One Technologies LLC ) for free credit reports. I thought I was getting a " free report '', but evidently i was being charged {$29.00} a month for a service I did not subscribe too. I just wanted a one time free report which I should be entitled to. 

I have received ZERO communications from XXXX  since that time. Then out of the blue, I get an email on XX/XX/XXXX about a monthly subscription payment. 

" This is a receipt for your monthly subscription payment for XXXX. 
We successfully charged {$29.00} to your XXXX on XX/XX/XXXX, in accordance with your member agreement. This charge will show up on your card statement as XXXX. " This was the first time I ever received any communication from them about monthly charges. I went back through my email history and nothing! I found a number to thier customer care department and immediately contacted them. I discovered that i have been billed a {$29.00} charge 49 times without my consent or knowledge. 

I have since done some research and discovered that this same company was fined XXXX XXXX back in XXXX for the exact same deceptive practices. I feel like I fall into this catagory and want my money back and the company to be punished. 

Company listed address is : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXXXXXX
Product: Credit card

On XX/XX/XXXX, I requested a balance transfer by telephone from my XXXX XXXX  credit card to my Regions Bank credit card in response to an offer that Regions Bank sent me via XXXX mail. A copy of the Regions letter confirming the balance transfer request is included in the attachments. The balance transfer from XXXX XXXX  ( XXXX ) that I requested on that date and the associated balance transfer fee ( XXXX XXXX both initially appeared on my XX/XX/XXXX Regions credit card statement. My XX/XX/XXXX Regions credit card statement has also been included in the attachment. However, as of the date of this complaint, funds in the amount of XXXX have not been received by XXXX XXXX  and my XXXX XXXX  credit card account has not been credited with a payment in the amount of XXXX ( XXXX XXXX  credit card statements covering the period from XX/XX/XXXX to XX/XX/XXXX can be provided to confirm this upon request ). My understanding from XXXX XXXX  conversations with Regions customer service is that a XXXX  was mailed to the correct address and account number at XXXX XXXX in response to my balance transfer request, but XXXX  XXXX  conversations with XXXX XXXX customer service and my XXXX XXXX credit card statements indicate that XXXX XXXX  did not receive that XXXX  and therefore no funds have been disbursed to XXXX XXXX on my behalf. I have also attached XXXX  correspondence between myself and XXXX Regions representatives who tried unsuccessfully to get Regions credit card operations to respond to my requests for information regarding this issue. Since I was unable to get a response from Regions Bank with respect to this problem via their XXXX  customer service representatives and branch management staff, I disputed the charges associated with this balance transfer request in writing in a letter that was sent via XXXX  mail on XX/XX/XXXX ( within XXXX  days of the charges appearing on my credit card statement ). That letter is included in the attachment. The XXXX  mail receipts confirming that Regions received this letter on XX/XX/XXXX have also been attached. As of XX/XX/XXXX, I have not received a XXXX  acknowledgement from Regions confirming that they have received my letter disputing the charges and that they intend to try to resolve the issue.
Product: Credit card or prepaid card

SOMEONE USED MY VISA CREDIT CARD WITHOUT MY PERMISSION. I DONT KNOW WHO IT WAS, THE BANK TOLD ME THAT I GAVE THEM PERMISSION TO USE THE CARD, I HAD XXXX LIMIT ON MY CARD WHOEVER THEY WERE CHARGE XXXX on my card. And I am so worried that I will have to pay for this. Please help me resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to FLURISH INC DBA LENDUP agency because I am having difficulties with buying a house and applying for new credit cards. I paid the account and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting FLURISH INC DBA LENDUP agency to remove this account from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed inaccuracies regarding accounts that are not being reported correctly. Specifically, four inaccurate collections instances are listed for accounts that I have always paid on time. 

Consumer reporting agencies are responsible for ensuring that all information is reported with complete accuracy. My report shows that a XXXX account was placed in a collection on XX/XX/XXXX, for the amount of {$550.00}. There is also an account from XXXXXXXX XXXX  placed in a collection on XX/XX/XXXX, for the amount of {$4500.00}. Additionally, there are two accounts from XXXX XXXX placed in a collection on XX/XX/XXXX : one for {$680.00} and one for {$580.00}. 

I have attached a copy of my most recent report highlighting these inaccuracies.
Product: Credit card

Bank of America claims I am past due when I am set up on recurring payments.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Checking or savings account

Wells Fargo was offering a {$250.00} bonus for new checking accounts. I opened a new account on     XXXX   XXXX   XXXX   and fulfilled the below requirements : " Open a new, eligible consumer checking account with a minimum opening deposit of {$25.00} ( not including the bonus ) by   XXXX   XXXX   XXXX       Within 60 days of account opening, either make  XXXX  purchases/payments with your  Wells Fargo   XXXX   XXXX  or establish a qualifying  XXXX   XXXX  of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer.     The  XXXX  debit card purchases/payments must be from the primary linked consumer checking account opened for this offer.     A qualifying  XXXX   XXXX  is your salary, pension, Social Security, or other regular recurring monthly income, electronically deposited to your consumer checking account by your employer or an outside agency. Transfers from  XXXX  account to another or deposits made at a banking location or ATM do not qualify as a  XXXX   XXXX . '' I made the required debit transactions by  XXXX / XXXX /  XXXX   within the 60 days, however the {$250.00} bonus never posted.     I followed up to ask when I could expect this and was told it can take up to 45 days. 45 days came and went and I sent a follow-up after 51 days. I was then told that it would be another 14 days to investigate but those 14 days also came and went.     I also stopped into a branch on multiple occasions during this period and had a banker trying to help on my behalf, asked me to electronically sign something on her electronic keypad for verification ( although it was never shared with me what I signed. ) She said she would call me back to follow through on whether I had received the bonus but I did n't hear back from her either.     I am including paperwork that includes the bonus offer code "  XXXX  '' that would seem to infer that  Wells Fargo  was going to award me this offer after fulfilling the requirements.
Product: Credit reporting or other personal consumer reports

This XXXX Account on my credit report is incorrect and I did NOT have any late payments and this is falsified information.
Product: Credit reporting or other personal consumer reports

Experian is violating my rights as a consumer per the Fair Credit Reporting Act. 

Please see attached complaint and supporting documents.
Product: Debt collection

I XXXX XXXX XXXX, online disputed under XXXX website to Amsher Collection Services XXXX for 4 months debt balance in the amount of {$870.00}. Because XXXX XXXX closed my account due to nonpayment on my end that I chosed to inform XXXX to close my account because I saw fit their services was too expensive for me to afford on my income size and I do not have the sufficient funds to make payments just for the reasons of my unemployed low income lifestyle accumulating less than {$1000.00} lower class salary a year under social security. So XXXX last year back in XX/XX/XXXX after XXXX kept increased my bill XX/XX/XXXX more than original amount of {$130.00} for 9 months straight by {$150.00} plus dollars without my consent with XXXX XXXX contract related biased term & conditions technical reasons why to closed the account my personal information without my knowledge set the {$870.00} under collections unfairly added ran under my credit sometime in XX/XX/XXXX for the credit bureaus to negatively impact my credit scores from XXXX to a lower fair average credit score of XXXX XXXX, XXXX XXXX & poor credit score XXXX XXXX affecting my chance of creating a positive credit score history with no open credit card account ( s ). I only used debit cards for savings account and it is necessary for myself that truthfully honest lengthy reasonable logically informal serious explained that Amsher Collection Services XXXX is still have been unfairly charging me {$870.00} for a closed account that no longer have services to and or using for the time being that already received cellular phone service under XXXX XXXX XXXX XXXX XXXX XXXX under my Supplemental Social Security Income Service I have been receiving since XXXX at age of XXXX XXXX XXXX when I used to live with my family over 20 years ago to present to this very day according to my negativity affected credit scores by Amsher Collection Services XXXX XXXX
Product: Credit reporting or other personal consumer reports

Last month I submitted to the credit bureaus proof that I was impacted by the Equifax data breach and informed them that there were accounts on my credit report that were open without my consent. I sent in an FTC report and sent all of the supporting documents for them to respond vaguely and say the accounts were " verified '' without any proof or documents to support their claim. I am demanding that they provide the proper verification or have these accounts removed from my profile at once. These errors on my credit profile is causing me not only financial hardship, but emotional distress. If this situation has to go any further, I will be forced to file for litigation. I will attach a document addressing the proper way to verify the accounts. It is my right to have it properly verified and failure to do so should result in an automatic deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of XXXX XXXX ( ORIG CREDITOR : 09 XXXX   XXXX XXXX XXXX XXXX ) -I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio RecoveryAssociates Portfolio RecoveryAssociates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Dear Portfolio RecoveryAssociates, I am writing to formally request validation of the debt referenced in your recent communication dated [ insert date of the debt collectors notice ]. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt you claim I owe.

Please provide me with the following information : The amount of the alleged debt.

The name of the original creditor.

A copy of the original contract or agreement that created the debt.

A detailed statement of the account history, including any payments made.

Documentation proving that you are authorized to collect this debt on behalf of the original creditor.

Until I receive this information, please cease all collection activities regarding this debt, as required by law.

Thank you for your prompt attention to this matter. I look forward to your response within 30 days.

Sincerely, XXXX XXXX
Product: Debt collection

I have been receiving numerous of calls from a company that I am not familiar with called XXXX. The company call while I am at work, and throughout the day ; when I did answer, a person tells me the call is in reference of a business matter and then proceed to put me on hold ; I ended up hanging up because I do not have any business with XXXX and have never heard of them ; The following week, I get a call from my ex husband telling me that a company by the name of XXXX have been trying to contact me and asked him for my number ; XXXX has violated my privacy rights and has also violated Fair Debt collection Practices Act. By contacting my ex husbands about a debt, which caused me great embarrassment, harassing my by calling numerous times through out the day, while I am at work, and recently added the debt of XXXX to my consumer report. The only reason I knew it was XXXX because on my consumer report it states STARMARK FINANCIAL LLC. with the same amount of XXXX. Also, I recently received a letter in the mail from XXXX explaining to me to call or write by XX/XX/year> to dispute the debt and they would have to stop collection on the debt until they send validation. XXXX has already put the debt on my consumer report before I could request validation of the debt ; Last year the same company was calling and harassing me and I requested validation and they sent out a piece of paper, that looked like someone had typed up and added an amount too it. According to 15 U.S.Code 1692g, the statue requires that the debt collector provide " verification of the debt '' upon the Consumer 's request, and this verification must be more than a mere assertion of the existence of the debt or a statement of the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have on my credit report to the company Grain Tech Support for them to correct the payment history on my credit card account i hold with them. they have failed to do so i have called several times and emailed in which i have attached all email correspondence, they responded with an automated generated message and still failed to correct the issue for example. i emailed them XX/XX/XXXX @ XXXX in reference to there inaccurate payment history reporting and they failed to respond the following errors go back to XXXX this is effecting my credit score drastically. here is list of the following errors with the factual proof of my most recent credit report. 
XXXX of XXXX- XXXX reported me 30 days late but XXXX XXXX XXXX reported me paying ON TIME. 
XXXX of XXXX XXXX reported me ON TIME FOR PAYMENT, but XXXX XXXX XXXX Reported me 30 days late. how can i be ontime with one credit agency and late with the other 2 in the same month. this is a violation and inaccurate data reporting. XXXX of XXXX XXXX reported me 30 days late but XXXX XXXX XXXX reported me on time. this is an ongoing problem for over a year now. 
XXXX of XXXX XXXX reported me on time. XXXX Reported 30 days late, XXXX Reported nothing at all that month how is that accurate. XXXX of XXXX XXXX reported me 90 days late, XXXX reported me paying on time, and XXXX Reported me paying on time as well. something has to be done about all these errors they need to be proven, deleted or updated.