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

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I 've filed a complaint last month about this company. After several attempts of requesting verification of debt, I filed a complaint with the cfpb. I originally requested the verification years back without receiving the right to dispute. This company is beyond unprofessional and operates with untrained representatives. I called in on  XX/XX/2017    and I was told that they could n't put my requests in writing and I was hung up on by  XXXX . l called back and spoke to  XXXX , another  manager who  was even more unprofessional. This company is not abiding by the law and has not sent a correct verification of debt. Each bill that was billed out and actual meter readings need to be sent, for proper verification. Any correspondence needs to be sent by the company in writing, due to their false statements and untrained representatives, giving out incorrect information. I am requesting recordings of calls that were on   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     ; or I will ask the federal court to subpoena those calls for my current case against  Nair &amp; Levin P.C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Product: Credit card or prepaid card

Grain credit suddenly closed my credit account after charging me a XXXX dollar annual fee that wasnt disclosed in the application when i signed up. Ive been a member for close to 2 years never had one problem. They take the money then send me a email a few weeks later saying my account cant be verified and to fix it before XXXX XXXX here it is XXXX the XXXXXXXX XXXX and they have already closed my account without even giving me a chance to verify. Now they are unresponsive and will not answer my emails phone calls or XXXX messages. On top of everything there is no explanation for what cant be verified. Everything is in order
Product: Credit reporting or other personal consumer reports

After numerous attempts, I am writing to formally demand the immediate deletion of fraudulent accounts and inquiries that appear on my Experian & XXXX credit profile. As a documented victim of identity theft, I am protected under the Fair Credit Reporting Act ( FCRA ), CFPB and the guidance provided by the Attorney Generals Office concerning victims of these crimes. Experian & XXXX is legally obligated to act promptly to ensure these fraudulent accounts are permanently removed. 
After years of numerous attempts to work with Experian XXXX XXXX in unsuccessful outcomes in sham investigations. Experian & XXXX, you have violated the FCRAs and CFPB requirement for handling my disputes, which has caused me great damage, as a consumer, great suffering and harm to my way of living by : Improperly reinserting very inaccurate information on my credit report. 
Conducting sham investigations that has failed to properly address and correct my disputes time and time again. 
I cant obtain a good vehicle or a home mortgage, due to these circumstances.
Product: Debt collection

I wrote Midland Funding /Midland Credit Management on XX/XX/2021 requesting Validation instead they sent a statement in the amount of {$3200.00} which they have not Validated the information requested. This alleged amount is being reported to the credit bureau the debt provided is in fact is erroneous and must be removed from my report.
Product: Debt collection

I respectfully request that you conduct a thorough investigation, as by the Fair Credit Reporting Act ( FCRA ). I would like to request that you please send me a template letter in response to this request. I am in the process of planning a legal case, So I need specific answers to specific questions asked of you in this letter. I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. These accounts listed below as collections /charge off / Late pays/ charge offs on my credit report, but I have never received a 1099c for these accounts. Can you please provide me with a 1099c to accurately reflect them being charged off for tax purposes. 15 US Code 1692c 15 US Code 1692g 15 US Code 1681e ( b )
Product: Mortgage

I have reason to believe that Bank of America is holding mortgage payments for extended amounts of time to charge consumers late fees and/or to be able to file negative credit reports. Please see the first page of my supporting documents ( Attach A ). Long story short : Back in XXXX XXXX, BOA sent me a letter stating that due to " multiple returned payments '' my XXXX had been cancelled. When I called for clarification, I was told it was due to me having XXXX insufficient funds in a 12 month period on the days of autodraft ( Attach F ). However, per their letter ( Attach B ), I could send in a check. I did this by setting up bill pay with XXXX bank ( XXXX and XXXX ), the checks were returned ( XXXX XXXX, XXXX example ). When I called to inquire as to why the XXXX issued checks were returned, I was told by several CSRs, " You can't send personal checks. It has be to a cashier 's check and/or money order. '' I explained several times that's not what THEIR LETTER stated ( Attach B ). Several CSRs also told me, " I understand what the letter says, it's a general letter we send to all consumers and the system puts an automatic hold on your account to reject checks. '' XXXX XXXX went as far to say, " We send all consumers the same letter, we don't have time to write separate letters for each consumer situation ( XXXX and XXXX XXXX. '' I sent a letter of " Notice of XXXX '' on/or around the end of XXXX ( XXXX XXXX ). In their correspondence, they asked to be given XXXX business days from the date of the correspondence ( XX/XX/XXXX ) to reply. While waiting, I had a cashier 's check mailed on XX/XX/XXXX or XX/XX/XXXX and it didn't clear and/or post until XX/XX/XXXX. For the XXXX payment, I mailed a money order on XX/XX/XXXX and as of XX/XX/XXXX the payment has not posted to my account and BOA is calling me about the payment and late fees have been applied. My concern with this, I'm mailing to their XXXX XXXX XXXX XXXX, XXXX, TX, XXXX from a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ). I've had other checks mailed on the same day/before/afterwards that have already been applied/cleared, yet the BOA payment has not been applied. I've had a late fee accessed to my account every month since XXXX. They did reverse the XXXX late fee. However, there is no way you can't tell me that BOA isn't being unethical in their practices.
Product: Mortgage

My husband and I were struggling to pay the mortgage ; I was out of work and I had XXXX  and my spouse was a new attorney looking for a job. I contacted Wells Fargo and they offered me and my spouse a modification plan. My refuse to sign the paperwork and filed for divorce. He would not help me with the payments. I had to borrow money from family members to obtain an attorney in addition recover from XXXX. I obtained employment and I was told that XXXX couldnt help me unless my spouse signed a quick sale to me the home. He refused. I couldnt afford the back pay and they put my house on the foreclosure list. I had to file bankruptcy to keep my house.
Product: Credit reporting or other personal consumer reports

I never applied or authorized any inquiries listed below. These are all fraudulent and a case of identity theft. Pleased delete all the inquiries listed below Under 15 USC 1681c2. Block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within 24 hours but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my XXXX credit card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call XXXX  which I did and they said to there knowledge XXXX took nothing off for there mistake.
Product: Credit card

I have a promotional balance on a credit card. I always overpay the minimum payment. I had to use the credit card on two occasions when I didnt have another card with me I was charged interest on a portion of those new charges. According to the credit card act of 2009, if you overpay a minimum payment, the overpayment must be used to credit towards the highest interest portion of the card when you have a promotional balance existing on the card. They have never charged me interest before, but decided to this time. I spoke with someone there and they are not reversing the interest charge.
Product: Checking or savings account

I'm trying to login to my account but can't get past the XXXX step verification because somebody changed my phone number. So, Chime is sending the verification code to the wrong phone number. I've called them numerous times, chatted with them and still have no resolution. I get put on hold for an hour here and an hour there and told that the boss is too busy, then I was asked to show my ID with a selfie of me and a piece of paper with the date and time on it and my social security card. Something very fishy going on.
Product: Mortgage

In XXXX XXXX we applied for a loan modification. All requested paperwork was turned in on a timely manner. In XXXX XXXX, XXXX we were told our income was not enough. Our income changed in XXXX XXXX, XXXX our income increased and proof was turned in. On XXXX XXXX, XXXX we were informed it was too late and a foreclosure was in process. We objected but were told it was too late in XXXX XXXX, XXXX.
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 719XXXX 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  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I went to an emergency XXXX  visit at the office of XXXX XXXX XXXX XXXX : XXXX, and on a followup I was pressured into applying for financing, on the spot, for what I was led to believe was urgent critical care. I was told by the office staff that my actions wouldn't create a hard inquiry on my credit report, which I took to mean I was NOT applying for a credit card. I found out after that I now have a credit card carrying a {$5000.00} balance, for services not yet rendered. When I try to login to the card servicer 's website, https : //consumercenter.mysynchrony.com, I can not create an account, can not access my information, and can not get in touch with a representative of the company. 

I am going to continue to try to get this disaster managed, but the practices by XXXX XXXX and Synchrony bank were, if not illegal, very dishonest and manipulative.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX charged account off and sold account effective XX/XX/year>. They are still reporting a balance and this tradeline should be deleted per FCRA they have not sent a XXXX they advised the federal giver ember they write account off so they are required to send me a XXXX
Product: Mortgage

About 4-5 months ago, when I checked my accounts, my bank account showed timely mortgage payment transaction ( usually near the due date ), but my mortgage account with Mr Cooper did not post the transaction. I talked with representatives of both my XXXX XXXX  and Mr Cooper separately. Mr Cooper employee acknowledged that the check was received, but not cashed and posted in my account. He mentioned that I have no fault since they received the check and it is their internal issue. He did not send me any proof to verify his statement even after I requested. However, I continued my payment on time. I did not check my statement every month as I knew there was no issue. Recently, I checked Mr. Cooper account and was surprised that I am due $ XXXX instead of {$2300.00}. I started looking older statements. The XXXX statement assessed a fee of {$49.00} and XXXX statement assessed a fee of {$92.00}. Cooper increased my due amount to {$4700.00} without any reason since XXXX XXXX Cooper did not post my XX/XX/2021 payment ( refer to bank 's bill pay PDF ) on XXXX statement. There is no reason why it assessed {$49.00} in XXXX and {$92.00} in XXXX. I called them 3 times in the last 2-3 weeks. Customer services are useless. They can only speak " contact your bank, you did not pay your last payment ''. This seems to be their memorized sentences. I wanted to send them proof of bank transactions, they do not understand those. They even could not access my current and previous statements. it seems they could not see my XXXX fee of {$49.00} in their transaction list. 

what I find is that Mr. Cooper is providing false statement and increased my due without addressing their own problem of loosing check or skipping transaction history. I have attached my bank 's bill pay history. They do not have anyone who can communicate with client to verify transactions. 

Mr. Cooper 's accounting manipulation shall be stopped. I want Mr Cooper to fix my account as soon as possible and revise all past and current statements by removing fees. If Cooper misplaced a check or did not cashed that shall not be my fault as their representative mentioned. Mr Cooper should be able to find my older conversation with their representatives which took place 4-6 months ago. 

Last year, I had to fire this mortgage company for refinancing another house because Mr. Cooper could not close my refinance even after 6 months. The worst mortgage company in the USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion and XXXX on the XXXX  account on my credit file I asked for verification because they say they verify my account so I need the method of verification the original contract with my signature or web signature
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

1. XXXX XXXXXXXX Account # XXXX 2. XXXX Account XXXX XXXX 3. US DEPT OF ED Account # XXXX 4. XXXX XXXX XXXX Account # XXXX 5. DEPT OF ED Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.
Product: Credit card

Consumer Financial Protection Bureau 1700 G Street NW Washington, DC XXXX Dear CFPB, I am writing to formally address a concerning issue regarding Barclays Bank 's abrupt reduction of my credit limit without prior notice or justifiable cause. According to established regulations, creditors are required to notify customers before reducing credit limits unless a legitimate risk to the institution is present. During a recent communication with Barclays, I was explicitly informed that there was no risk associated with my account, raising significant questions about the legality and fairness of their actions. 

The sudden reduction of my credit limit has not only violated the terms and conditions of my agreement with Barclays, but it has also had detrimental effects on my credit reporting and scoring. Such actions undermine the trust that consumers place in their financial institutions and reflect a broader issue of customer respect and service. Additionally, on a call with Barclays on XX/XX/year>, I experienced unacceptable rudeness from the representative, further highlighting their disregard for customer treatment. 

I urge the CFPB to investigate whether this practice of reducing credit limits without notice is occurring among other customers within my demographic or zip code. It is crucial that consumers are treated fairly and consistently, with transparency in all dealings. The failure to provide notice not only contravenes regulatory expectations but also creates unnecessary stress and confusion for customers. 

Thank you for your attention to this matter. I look forward to your prompt response and action to ensure that financial institutions uphold their obligations to consumers. 

Thank you. 

Barclays Customer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}