23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX cable service. I decided that I did not want to have their service anymore. I want into XXXX of their stores. I turned in all pieces of equipment. XXXX actually owed me money from me over paying my bill. However they somehow lost this piece of equipment. Failed to notify me of this issue and referred me to a third party collections agency enhanced resolution center. They have been harrassing me. Calling me eight times a day over an issue I 've spoken about to XXXX. They 're " researching '' the situation but yet I 'm still getting calls. Now XXXX is calling my roommate who nowhere in my contract with time warner is she listed or named or phone number provided. I worked as a collector for over a year. I know the laws this is harassment.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the presence of unauthorized and unconnected credit inquiries on my credit report. These inquiries are not tied to any account or transaction I initiated or approved, and their continued presence is a violation of my rights under federal credit laws.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), a credit inquiry can only be performed with the consumers consent or in connection with a legitimate credit transaction initiated by the consumer. These inquiries on my credit report lack any associated accounts or transactions, and I have not provided explicit authorization for them.

Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information on my credit report. I have taken steps to dispute these inquiries with the credit reporting agencies, but they have yet to be removed. The failure to act on my dispute constitutes a failure to comply with federal laws requiring accurate reporting and prompt investigation.

Credit inquiries, even if unauthorized, can negatively affect my credit score and overall creditworthiness. The existence of these unconnected inquiries is causing unnecessary harm to my financial reputation and may impact my ability to secure favorable terms for future financial opportunities. 

I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that the credit reporting agencies promptly : Remove all unauthorized and unconnected inquiries from my credit report. 
Implement stricter verification processes to prevent unauthorized inquiries from being reported in the future. 
Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with the FCRA and protects my rights as a consumer. 
XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was XXXX since XX/XX/XXXX and released on XX/XX/XXXX so theres no way it was me, I talk to my XXXX XXXX XXXX  and I file a FTC complaint report, I try fix this problem do to identify theft, I have try everything to remove it if my credit report since its stopping me even on my personal life after this new XXXX  law suit against all companys involved in this matter, so this my final complaint even law enforcement dont do nothing about it
Product: Credit reporting

XXXX XXXX offers help in conjunction with the Federal Government to aid low income XXXX people have a phone line in there home account number XXXX was suppose to be just that but there was such a back log in the phone company getting the XXXX paperwork my bill kept being incorrect and then corrected and then billed incorrect again by the time it was all finished I left the state but paying all balance owed once able we agreed they gave me a paid in full letter which is on file at Experian however every month XXXX still reports my account negatively for the sole purpose of punishing a XXXX American citizen whom has paid every dime owed them in Full for sport. It is an atrocity of the worst to continue punishing me years later even when you have been paid. Im sorry I lost my job and became XXXX but it happens and this company offered me help as though they represented the Government then trapped me in a debt forced me to pay it and continue to scoff my life with negative credit information
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Credit reporting 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.

They have 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 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested that Experian, XXXX and XXXX send me a copy of my credit report and how they verified that accounts on my credit report. I believe that there are items being reported incorrectly on my report and I want to know how this account were verified and by who.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

They call me on the phone numerous times a day. They told me they are going to call XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase is fraudulently misreporting account information on my credit reports. 
The account has been CLOSED since XXXX and was reporting as PAYING AS AGREED-ACCOUNT STATUS 01. However, I disputed three late payments because I never paid this account late prior to it being paid off. As a part of my dispute, I requested copies of all documentation related to this account to determine the purported late payments. No documentation was provided which is a violation of the FCRA. 
After I disputed the account, JP Morgan Chase also fraudulently changed the account status from STATUS 01 ( Pays as Agreed ) to STATUS 03 ( 61-90 days late ). This changed occurred in XX/XX/XXXX, five years after that account has  been closed? It should also be noted, I called the number listed on my credit reports for JP Morgan Chase and XXXX XXXX XXXX answered? In addition, JP Morgan Chase 's website states that all student loans were sold to XXXX in XX/XX/XXXX so if these accounts were sold, how is JP Morgan Chase able to make any changes to my credit report. Further, XXXX is not listed on any of my credit reports as the account holder? The following information is listed on my credit reports ; which is also inaccurate, just like their inaccurate account reporting. 

XXXX XXXX Mail Code XXXX XXXX XXXX XXXX XXXX, IN-XXXX ( XXXX ) XXXX Per FCRA guidelines, I am requesting copies of all documentation related to this account to validate these purported late payments. Specifically, the original signed agreement and terms and conditions, explanation of accounting, and assignment Bill of Sale.
Product: Credit card or prepaid card

In XX/XX/XXXX, my credit card was used by a unauthorized user. Comenity quickly took action to investigate the problem and credited my account, however, in the meantime, they shut down the account and reactivated a new credit account. In XXXX, I paid off the balance due using the previous account number as the bill still referenced this number. In XXXX it was identified that my payment had not credited to the account. During this time, Comenity banking systems were hacked and customers could not access their accounts nor get assistance from the Customer Care Team. Eventually, their systems were restored. In XXXX, I was told that I would need to get a letter from my bill pay provider with the payment information for Comenity to investigate and identify where the payment went. Since then on a monthly basis, I continue to receive a bill from Comenity and I directly folllow up on the status of their investigation. On XX/XX/XXXX, Comenity issued a letter to me, advising the payment made was returned to me due to an invalid account number. No details as to where and when the money was returned. I immediately contacted them for this information as my bank has not received these funds. When contacting Comenity, they evade customer questions giving generic/standard responses. I escalated my call to a manager, that said she would inquire and get back to me within a couple days. However, this to was false, I never heard back from the manager. Since then, I received a new letter dated XX/XX/XXXX, advising that my " claim '' has been received and needs to be investigated and I should allow them up to 90 days for them to complete the investigation. I has spent endless hours trying to resolve this with Comenity. Each time I call, I get tossed around, and their staff seem to be uninformed on how processes work. It should be simple to provide the customer with bank/ACH information for the returned funds. My bank simply needs this information to locate the funds. I am done with worrying about this matter and need resolution. I would not recommend anyone to open an account with Comenity. I want to know what I can do to get this resolved.
Product: Money transfer, virtual currency, or money service

Celsius has been claiming for years to be solvent. Even 24 hours before they froze withdrawals XXXX XXXX told ( CEO ) told, in an XXXX video, that everything was ok. The company said numerous of times during the last 12 months that the company had all the funds to cover the creditors and depitors if a bank run would occur on the company. 

On XXXX the XXXX XXXX The company decided to halt withdrawals without a warning. On XX/XX/2022 the company filed for XXXX XXXX bankruptcy. I have some XXXX $ in XXXX and some Celsius tokens, which is worth around XXXX XXXX so i only have a small amount, but many people lost everything. 

Celsius claimed to be " not a bank '', but in theory it operated like a bank and a hedge fund. They borrowed the customers money and assets and they were lending it out to other users or institutions. 

Things that should be investigated : 1 ) how the company operated as an unregistred hedge fund. 
2 ) XXXX XXXX told users he wasn't selling any Celsius token ( the native token on the platform ) despite selling for millions of USD even on the same week as he told customers otherwise. 
3 ) whether or not Celsius was a ponzi scheme all along, since the company had a massive deficit which grew larger. Many customers question whether Celsius even was profitable at any point. 
4 ) whether the new terms of agreement ( shortly before filing for bankruptcy ) applies, when their webpage tells other information eq : the webpage told it was lur crypto, but the terms of agreement stated Celsius owned the assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that my account is in collections/charge off. It was included in a now discarded chapter XXXX bankruptcy. I have disputed it 3 different times with the credit bureau and they have confirmed the debit each time. When I called them, they said the debit had been sold to Jefferson Capitol Systems LLC. I was never informed of this or contacted by this company about them buying this debit. When I contacted this company, they said I still owe the full amount to them ant refused to take off the balance or report it correctly to XXXX XXXX or the credit bureau. Bankruptcy case XXXX filed on XX/XX/19.
Product: Mortgage

XX/XX/XXXX : I submitted for our PMI to be removed XX/XX/XXXX : Our house was appraised by the bank designated XXXX XX/XX/XXXX : Called Roundpoint and was informed our home had depreciated in value and was appraised at {$270000.00}. We bought the house XX/XX/XXXX for {$350000.00} in XXXX XXXX, CA. The market has only appreciated. First person I spoke to said I needed to appeal to the XXXX. Second person said I needed to submit supporting documentation and request Roundpoint to review. Nobody seems to know what's going on. 
XX/XX/XXXX : Submitted documentation to Roundpoint for review. 
XX/XX/XXXX : Called Roundpoint and was informed it was still under review XX/XX/XXXX : Received the appraisal in the mail. The appraisal associated with our account is for a property in XXXX, AZ ... not our address! 
XX/XX/XXXX : Called Roundpoint and was informed the current appraisal value was {$460000.00} as of XX/XX/XXXX. Was informed somehow the PMI request was closed and the representative would send it to his supervisor to reopen. Was informed someone would call me within XXXX hours. 
XX/XX/XXXX : Still haven't heard from anyone. Called Roundpoint.  Representative said the last appraisal they have on file is from our Escrow process for {$370000.00}. But the value is {$460000.00}? Doesn't seem to know what's going on. I ask to speak with supervisor. Supervisor apologizes and says he is emailing me along with their Mortgage Insurance department so that I have his direct contact info. Asks for several days so he can figure this out. I confirm I have his direct line and he confirms. 
XX/XX/XXXX. Email Super and ask for update. No response. 
XX/XX/XXXX. Still no response. Call the number he gave me and get the main line. Clearly not his direct line. Email supervisor asking for update, and inform him I will be filing a complaint. Get an automatic out of the office reply. 

Clearly this is really upsetting, that 1 ) nobody seems to know what is happening and I've had conflicting information throughout the process 2 ) They actually mixed up my appraisal with someone and there has been no other explanation, no initiating communication, 3 ) This has been going on for 7 weeks now and they can't seem to figure this out. 4 ) The Supervisor led me to believe this was his direct line and he has been completely absent other than our first conversation. Is this a scheme?
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, XXXX from the Office of the Customer at Citizen 's Bank replied my previous CFPB complaint with a message stating " Citizens processed a write off in the amount of {$1200.00}, to refund the payments which were made to the account. You will be receiving a refund check under separate cover ''. I have still not received this check and it has been over 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores do not reflect my accurate score, several factors are not being taken into consideration with my score. Credit cards are being paid off in full yet my scores have not been adjusted and if they have been only are adjusted by 2 points. 

For example, Transunion and XXXX  will deduct 12 points for a credit card debt increase of {$98.00} but once the credit card is paid off in full of {$1200.00} they only increase my score of only 2 points. 

Second example that I have encountered, my credit score drops by 2 points for every hard inquiries a total of six inquiries 12 points, but when the two year time is over only 2 points are returned. Only 2 points for the removal of 6 inquiries, NOT FAIR! 

I have paid off multiple credit cards, but Transunion and XXXX  take multiple months to update my scores, however in the event I miss one payment or have a credit inquires made the negative scores are updated almost immediately. 

Mi scores are in low 600 's but should reflect something in the 700 's, but even in the event where everything is paid off in full do my scores ever increase. I feel this is a complete injustice to the consumer bullied by big companies that make a fortune off the inaccurate credit reporting. What is one to do? I need help, back up, I need your organization to intervene and adjust my inaccurate scores. 

Please, Please, please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps showing an old XXXX account from XX/XX/2015 with a balance of {$25000.00} which is NOT correct. I have contacted them numerous times about the inaccurate info and they refuse to delete the information even though XXXX  and XXXX immediately complied without any trouble. Experian refuses to provide any written proof the entry is accurate, this is a violation of the FCRA.
Product: Credit reporting

I disputed a submission by XXXX on XXXX XXXX, 2016 with the attached documentation needed to support the removal, which was a letter from XXXX submited as a part of a previous complaint with the CFPB, that stated that ALL collection efforts that were attached to my social security number would be removed from my credit report. This was not my first instance requesting that items posted by XXXX be removed from my credit report and providing the legally binding documentation, since XXXX has not abided by it 's written statement and removed listings from my credit report. In the previous instances, with dispute number XXXX and XXXX, Equifax has expeditiously removed these based on the documentation given. However, for dispute number XXXX, Equifax only attempted to verify the debt ( See XXXX Attachment ) this time instead of doing as XXXX promised in their written document of the CFPB complaint, which was to remove all credit report listings associated with my social security number. I contacted Equifax about the issue and attempted to explain that XXXX made a legally binding promise, in writing to remove any and all listings from my credit report. I was told that a new dispute would be created, number XXXX, however, I was not notified of the outcome of this dispute although it appears to be closed. I then called for a second time about the issue and a new dispute was created, however, it is showing that this will be resolved on XXXX XXXX. This extended period of time is not needed to resolve an issue that was previously done on two occasions in two days with adequate documentation ( See Equifax Dispute Attachment ) This has been highly frustrating due to the fact that verification was not asked for but rather that Equifax do as they have done before and hold XXXX to their legally binding statement to remove all listings from my credit report. Equifax should do what is right and what has been done in the past and remove the listing as is required and promised by XXXX own statement in the attached document. As a consumer, I feel that I am being taken advantage of and that XXXX is not being held to their written statements. ( See Response Letter from XXXX attachment on third page, first paragraph for XXXX promise to remove all listings associated with my social security number )
Product: Mortgage

Hi My name is XXXX XXXX XXXX. I have recently came out of a bankruptcy with discharge success. Once I came out of the bankruptcy Ocwen ( XXXX mortgage ) would no longer take my payments. They gave me XXXX options : 1 ) pay the reinstatement amount 2 ) apply for a hardship modification. I have spent the last 7 months apply for the modification. I have sent and resent information to Ocwen over five times per their request. Now they have sold the paper on my loan to XXXX XXXX. It appears the process may have to start all over. I want to keep my house but I think I have been set up for a foreclosure. I need your help to maintain possession of my home. Please advise ... ... ... ... ... ... .. 
Sincerely XXXX XXXX XXXX Loan number with Ocwen : XXXX Thank you
Product: Credit card or prepaid card

A customer since XXXX, I received a letter from American Express, dated XXXX XXXX XXXX. The envelope stated, in bold : " IMPORTANT INFORMATION ABOUT THE THE PAYMENT OPTION YOU RECENTLY ADDED TO YOUR CARD ACCOUNT ''. I opened the envelope with concern, since I had NOT recently added any 'payment option ' to my card, and so feared someone had gained unauthorized access to my account. Moreover, I have always paid my American Express balance in full, every month. The letter stated, however, that I would pay a 19.24 % rate on 'Pay Over Time ' balances, as well as new 'Pay Over Time ' charges - this being the option AMEX falsely claimed I recently added - and that if I was not interested in this, I had to contact the number on the back of my Card by XXXX/XXXX/XXXX. I phoned the number and explained to an American Express representative that I did not ask to add any such option as they claimed. The representative disagreed and then launched into a sales pitch me on the 'benefits ' - that I could make large purchases for the holidays and then make payments over time ( at  19.24 % interest! ) This is an abusive sales tactic based on willful misrepresentation by American Express.