23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

After a XXXX XXXX in XXXX, I was given a medical aid to use at home from XXXX XXXX XXXX. They were to bill my XXXX XXXX XXXX XXXX ( XXXX ) and I would pay the balance. They delayed the Insurance billing and I informed XXXX XXXX that I would pay after the XXXX was issued. XXXX sent my file prematurely to a Collections Company which reported a {$47.00} Collection Record on XXXX and Equifax. In XXXX, XXXX I received notice of XXXX submitting their portion of the {$47.00} payment to XXXX XXXX and an updated billing from XXXX which also reflected XXXX payment of their share of the bill. I then paid my balance to XXXX XXXX which totaled {$9.00} in XXXX, XXXX. In XXXX, XXXX I submitted a Refinance Application for my home and discovered a Collection Record on my Equifax from XXXX ( XXXX XXXX '' ) for the original amount of {$47.00}. This should never have been sent to Collections, as my account has been paid " on time '' with XXXX XXXX in conjunction with my Insurance Company payment. My Mortgage Lender tells me that this item has decreased my Mortgage Credit Score by at least XXXX points and I will be forced to pay a higher Interest Rate and Loan Service Fee unless I have this erroneous Collection Record removed from Equifax. XXXX is not reporting the Collection and my XXXX Mortgage Credit Score is XXXX, while my Equifax Mortgage Credit Score is in the high XXXX with this particular Collection Account as the only Negative Item reported. I have all the billing and payment information to show the transactions as I described and I need this erroneous and Collection Record removed from Equifax.
Product: Credit reporting or other personal consumer reports

Dear XXXX/Experian or XXXX This is Information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I Am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified transactions. The identified transactions are not information related to any transaction made by me as the consumer : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX, Experian : XXXX, XXXX : XXXX XX/XX/XXXX {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : XXXX, Experian : XXXX, XXXX : XXXX XX/XX/XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent inquiries are being reported to consumer report with my authorization. These have been fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to any of the following 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: Credit card

I have an issue with the class action lawsuit that was filed with Capital One. I spoke to a representative who stated that they sent documents to my home regarding the class action. I told them I never received such thing. They advised me that there is nothing they can do. How can I be a part of a lawsuit when I don't get proper documents and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pull my credit report and saw that I had some accounts that wasnt mine.XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX date open XXXX XXXX  account number XXXX date open XXXX file a identity theft report with my official statement.
Product: Mortgage

My mortgage is held with Umpqua Bank. Formerly, Sterling Bank. Since the time Umpqua took over all Sterling clients and loans, my mortgage payments have been messed up. In XXXX 2015, as I normally do, I mailed my mortgage payment, it was cashed by Umpqua Bank on XXXX/XXXX/15, ( proof of the payment is available and was sent to Umpqua Bank ). Then in the beginning of XXXX I received a call and mail from Umpqua Bank stating my mortgage was XXXX days behind and they sent me loss mitigation paperwork. Not knowing if they were accurate, I authorized XXXX immediate payments. I then went home to research whether or not I made my XXXX payment and found out by my records and my XXXX XXXX that not only was my payment made, it was cashed. I immediately phoned Umpqua Bank back, they asked me to fax a copy of the check, which I did on XXXX XXXX and they would get back with me. By Monday XXXX XXXX, no one had called, so I called again. I was told redirected to XXXX different people, I was told they were working on figuring out the issue and because I was a former Sterling customer, they would take up to XXXX additional days to resolve. To date, I have made a total of XXXX payments since XXXX, they have no resolution and they have derogatorily affected my excellent credit. I was told this was happening to many Sterling customers and there was nothing they could do. I provided proof and have NEVER missed a mortgage payment. I believe they have violated numerous laws and I feel as if NO ONE is protecting us from this bank. I would like to have this entity step in and resolve these issues, get refunds for me and other borrowers affected as well as correct our credit reporting. I do believe if I do n't get resolution, I will hire an attorney. Fair Credit Reporting Violations, Misappropriation of customer funds and an inability to have accurate accounting of my mortgage payment and reserve account are all things that I have been advised are part of the Consumer Protection, are n't they?? 
PLEASE ADVISE WHAT THE NEXT STEPS ARE AND WHAT WILL BE DONE FOR RESOLUTION.
Product: Credit reporting

There are several inquiries on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with TransUnion. TransUnion has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked TransUnion to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and TransUnion have failed to provide me proof that I authorized these inquires. TranUnion has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. I have sent Transunion multiple written request with documentation showing I did not authorize these companies to pull or view my credit. 

XXXX XXXX - XXXX XXXX, XXXX - XX/XX/XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested LexisNexis in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days LexisNexis responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, LexisNexis has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that LexisNexis uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more LexisNexis was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.
Product: Credit reporting or other personal consumer reports

After sending numerous written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The 3 Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : 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 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 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 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: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Experian : 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 XXXXXX/XX/year>
Product: Checking or savings account

I have a Citibank checking account which I use every month to pay rent abroad to the same person in the same amount. I have been doing this for almost two years now. All of a sudden, the bank locked my account for " security reasons '' as of XX/XX/XXXX. I have been calling them since XX/XX/XXXX to get the issue resolved, have spent 3+ hours with representatives from their customer service, technical and fraud protection departments yesterday XX/XX/XXXX and today XX/XX/XXXX. They each say a different thing to me and I am still not able to access my account to pay my bills on time. This will cause me to be charged late fees and penalties. Some representatives say it is probably my device or my connection, however, I am using the same device and network I have been using for the last 2 years. I have also tried different networks and devices as well as the online app and I am having the same problem. I even had a relative who also has the same type of Citibank account use my computer to make a wire transfer to test the issue, and he was able to process the wire transfer without any issues. Therefore, my issue is not related to technology. Secondly, one of the representatives from the Fraud Department told me on XX/XX/XXXX that my account was under review for fraud matters and that they could not discuss ANYTHING with me while the account was under review and that I needed to call 24hours later. I did called 24 and 36 hours later and they still have not solved the isssue, continue to provide me with conflicting information and no solutions and I still don't have access to my account to make wire transfers. This is simply unacceptable! I encourage their customer service managers to listen to the recordings to see how rude, untrained, unhelpful and useless their representatives are.
Product: Mortgage

I have Nation Star, and yes I pay on the grace period date, but they would call my place of work and I was not technically late. Just very embarrassing when at work and everyone can hear your conversation. I have redirected them to call my cell phone. But they call non stop again it's before the grace period is up.
Product: Debt collection

Navy Federal Account the amounts that are owed and have been on this account for 2 years and I have not gotten any notifications of what's owed. XXXX XXXX caused a lot of hardship for my family and current situation. 

- {$1700.00} Checking account- {$460.00} Savings account
Product: Credit card

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Accounts : XXXX XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$630.00} XXXX XXXX XXXX - {$1400.00}
Product: Mortgage

I have repeatedly requested in written Qualified Written Requests to SPS, in telephone conversations with SPS, in telephone conversations with the abustmans office of SPS, in letters to XXXX XXXX, and in copies of the Qualified written requests to SPS legal representatives, and even in the CFPB complaint system numerous times the following information that has repeatedly been promised but never provided : 1. Accounting information from XX/XX/XXXX loan origination thru XX/XX/XXXX which includes all payment information, fees, interest, escrow information and payments for the loan and the complete loan accounting history and loan balance history and transfer and assignment information. 
2. TOTAL escrow accounting information from XX/XX/XXXX loan origination thru XX/XX/XXXX. 
3. Accounting information and all history concerning trial modifications and any payments and credits for them and also the verification of any loan modification alledged balances and accounting. 
The above information has NEVER been provided. Althought SPS and the previous servicer, XXXX  XXXX XXXX, provided history of payment records during their servicing of the loan they have both responded that they have no previous loan records from the XX/XX/XXXX loan origination timeframe thru XX/XX/XXXX and can not therefore provide it. BUT they then claim that they have satisfied the request for the information and close out the request over and over without providing the information and creating confusion and an illusion that they have complied with the requirement for the information. 
I submitted a request again for this information in this forum again ( along with a written QWR ) and provided several copies of the prior QWR reflecting just the most recent requests for the information and cited that they again responded that they had provided the information previously. In that complaint I also provided the attachments of the actual documents that had been provided to clarify and show clearly that they had not actually provided all the document. SPS promised to " work '' on getting the information but they did not provide attachments showing that they had provided even the data that they claimed they were sending besides the above required information. 
SPS has provided a certified document in court from a representative of XXXX XXXX  that certifies they have reviewed all accounting on the loan and deem the amount they claim is owed as accurate. HOW CAN THEY legally certify that information if they do not have all the accounting and escrow information along with the other trial and modifications accounting? XXXX XXXX  claims to have none of the account information in the past 2 weeks and has referred me to SPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of this company for a while never missed any payments I recently was hospitalized due to XXXX  my XXXX  and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.
Product: Credit reporting

A person in a womans voice called to confirm timeshare information for mr son XXXX who happens to be only XXXX years old and can not give consent for anything. This person called from a XXXX number in NC at XXXX.
Product: Debt collection

Per the representative XXXX XXXX at Navient, the phone number XXXX belong to Navient 's department that services XXXX Loans. XXXX also confirmed that they have an Oregon address on file for me. It is known that Oregon is in the Pacific time zone. They knowingly called me at XXXX XXXX  on XX/XX/2020, which is unreasonable and violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

Dear Chex Systems Inc, I am having trouble obtaining a copy of my consumer report, when trying to logon to my consumer portal account USERNAME : XXXX CONSUMER ID:XXXX, in order to review my consumer file. I am met with an error code XXXX. I spoke with an agent from Chex Systems , INC over the phone at your phone number XXXX, on today, who after placing me on hold for about an hour, said that there was a block placed on my consumer file and that he would not be able to remove it. So after not being able to get the block remove from my online portal, I attempted to request a copy of my consumer report via mail. I explained to him that I had been a recent victim of identity theft, and I wanted to go over all of the addresses on my file to for accuracy and the protection of my identity. He then stated that pursuant to the Fair Credit Reporting Act, that he wouldnt be unable to share or update my address on my file over the phone. This is untrue, as I have verified my identity with him over the phone previously. He then stating that a copy of a consumer disclosure report will be mailed out to the address on file. I do not have a clue what address is on file my with Chex Systems as I stated I have been a recent alleged identity theft victim and I have moved my address recently, so that consumer disclosure could be in the hands of anyone. 

Demand to Action, In order to avoid this situation in the future, I demand you remove the hold that have been place on my Chex Systems portal USERNAME : XXXX CONSUMER ID:XXXX, in order for me to promptly review and update my personal information and request consumer disclosures. 

Id appreciate your prompt attention in this matter and kindly request a response to this issue at your earliest convenience
Product: Credit card or prepaid card

In XXXX 2017, I paid off 2 Capital One credit cards ( last 4 digits, XXXX and XXXX ). In the meantime I had canceled my XXXX XXXX account, deleting all credit cards listed on this account. As time passed, my XXXX XXXX ( which had been canceled ), came up for " automatic renewal '' I assume XXXX searched my account the account ending in XXXX, I would hope ans assume, if not there's another issue. On XXXX I was billed for the renewal, I called both XXXX and Capital One dept 's. service and explained, After multiple attempts to close both of these cards, which have not been used since being paid off, I have continually been forced almost monthly to close both accounts. I just got off the phone with XXXX XXXX, i was instructed to contact XXXX, sorry, I'm finished with his issue.
Product: Checking or savings account

citizen bank say i owe them XXXX when i want to pay for the balance. the balance was cleared up by the bank itself.