23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am behind on my mortgage payment and applied for assistance through the mortgage lender and was approved for a forbearance plan. I was also advised by my single point of contact, XXXX, to apply for HHF ( Hardest Hit Funds ) due to being unemployed, which I did ; and was approved. However, trying to reinstate my account to bring my account completely current and make full payments going forward, they have refused to cooperate because they are not participating in the HHF program through my state XXXX Arizona XXXX. I believe Freedom Mortgage would prefer me to make reduced payments in lieu of reinstating the account so they can foreclose on my home once the forbearance plan is completed. Once complete, all reduced payment amounts would become due at once, making it nearly impossible to pay in a lump sum once I regain employment, forcing my hand to apply for mortgage assistance, inevitably resulting in more fees, higher probability of default and foreclosure. I have escalated my concerns and request to management and spoke with a XXXX ( XXXX, ext XXXX ) who advised he would see if management could make an exception, but did not want me to contact the CFPB.
Product: Checking or savings account

Ongoing Issues with XXXX and XXXX XXXX Ive been experiencing consistent issues with the XXXX XXXX over the past couple of weeks with Chime, specifically with the repeated need to reconnect XXXX Despite reaching out multiple times, Ive been given the same resolution steps repeatedly : an agent disconnects the account, I reconnect it, and the connection lasts for only XXXX day before the issue arises again. 

Its clear that this is a known issue, as acknowledged by Chimes agents, yet the troubleshooting process remains unchanged. If this is a recognized problem with XXXX, why is the resolution still limited to repeatedly disconnecting and reconnecting, placing the burden on the customer? 

This ongoing issue is unacceptable for a financial service. Reliability and seamless functionality should be the standard for any organization operating in this space. 

During my recent conversation with XXXX of chimes agents, XXXX, I expressed my concerns about the ongoing issue Ive been experiencing. XXXX offered to transfer me to a supervisor, but I declined, as Ive heard similar assurances before without any resolution. During the chat I was bounced around to XXXX different agents, none of whom seemed to be aware of my issue. This leads me to believe that previous promises to escalate my concerns were not followed through as stated. 

This lack of communication and follow-through is highly frustrating and does not inspire confidence in the resolution process. I respectfully request that this matter be properly escalated and addressed without further delays or miscommunication. 

I hope Chime takes this feedback seriously and works to address these recurring issues to improve the experience for other customers.
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Received correspondence from EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor XXXX bank. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX , I notified  XXXX ,  XXXX ,  XXXX , and Kay Jewelers, the creditor, that there was an erroneous negative mark for  XXXX   XXXX . This information is inaccurate, as the account was closed and paid off.     Kay Jewelers continues to report this item was charged off despite me paying them directly the amount owed. I made a payment arrangement with them over the phone to pay the account in exchange for deletion ; the conversation was recorded yet Kay Jewelers continues to report that the item was charged off.     The last date of delinquent activity is  XXXX   XXXX , yet the company reported a charge off on  XXXX   XXXX .     It is clear Kay Jewelers is in violation of the Fair Credit Reporting Act, and as of  XXXX   XXXX , have yet to remove the item off my credit reports as it is past the 7 year reporting period.
Product: Credit card or prepaid card

They gave me a foreberance for XXXX but not for XXXX. My income has been affected from the Corona Virus and I can not pay at this time I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are fraudulent accounts on my credit report that need to be removed immediately. 

Collection Companies XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Bureaus XXXX XXXX TransUnion These collection companies and all three credit bureaus are in violation of 15 USC 1681b - Permissible purposes of consumer reports by reporting to the credit reporting agencies without my written permission. They are also in violation of FDCPA Section 807 False or misleading representations. All three credit bureaus are in violation of federal law and have refused to acknowledge these laws. My federal rights have constantly been violated for going on over a year now. I have asked for proof which is required according to federal law, and they still have not complied. I advise XXXX, XXXX and TransUnion to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home.
Product: Credit card or prepaid card

CAPITAL ONE is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CAPITAL ONE XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$950.00} XXXX In accordance with the Fair Credit Reporting Act, These Accounts 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 an account without my written instructions 15 U.S.C 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 or other personal consumer reports

I am writing to bring to your attention a serious issue regarding unauthorized credit inquiries appearing on my credit reports from Equifax. These inquiries were made without my consent, and I believe them to be indicative of potential identity theft. 

Upon reviewing my credit reports from each of your bureaus, I discovered the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX Equifax. 

I want to emphasize that I did not authorize any individuals or entities associated with these inquiries to access my credit reports. This is a clear violation of my privacy rights and raises serious concerns about the security of my personal information.
Product: Debt collection

Im being sued by midland credit llc on behalf of XXXX   XXXX. I had never heard of this collection agency until I was served papers letting me know Im being sued. I go to court next week. They wont send me a debt validation letter. Its an absolute nightmare.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.

As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.

In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit
Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Product: Credit card or prepaid card

was denied Hilton Honors bonus points after spending the required amount within the required period of time. Was never informed of this prior to them accepting me for the card of when I received the card.h I feel this is bait and switch by AMEX Hilton 's Honors card, very deceptive customer service practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. The bureaus failed to verify these accounts and this is grounds for deletion. Accounts ar XXXX XXXX Act # XXXX and XXXX XXXX, Acct # XXXX. The FDCPA and FCRA was violated.
Product: Credit card or prepaid card

Date of the transaction : XX/XX/2021 Transcation amount : {$1200.00} What happened : I paid someone through XXXX XXXX  using my Bank of America debit card for the purchase of a guitar, which never arrived and it turned out the seller was a scammer. I'm not able to reach him after I made the payment, and the seller 's XXXX  account was deleted after the transaction. 

I filed a claim to dispute this transaction with Bank of America and they denied saying it's XXXX 's responsibility to help with the chargeback. However, I did contact XXXX before I filed the dispute and they asked me to contact BOA and think I would be able to get my money back.
Product: Credit card

Assistance Needed with Ongoing Dispute In XX/XX/year>, I purchased XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After using XXXX set, I discovered that the second set was defectivethe elastic was non-existent. I contacted XXXXXXXX XXXX XXXX about the issue, and they offered to send a replacement. However, I declined their offer, opting instead to return the unused defective sheets for a refund. Unfortunately, they did not honor my request. 

As a result, I filed a dispute with my Apple Card through Goldman Sachs, providing supporting documentation, including an email from XXXX XXXX XXXXXXXX stating they would not address further complaints due to the dispute. Despite having sufficient evidence, XXXX has continued to reverse the chargeback of {$100.00}. This dispute has now dragged on for nearly XXXX months, with no resolution in sight. 

I would greatly appreciate your help in resolving this matter. Please let me know if additional information or documentation is needed. 

Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX XXXX
Product: Credit reporting

As with complaint # XXXX, I am unable to receive my credit report even when answering with correct information. I have to tried to get small loans only to be rejected for prior loan ( s ) I 've never taken out. This may for student loans as well but I 'm not completely sure. I ca n't dispute any fraudulent charges if I ca n't receive or review my current credit report.
Product: Credit reporting or other personal consumer reports

I have requested that XXXX XXXX XXXX and Equifax send me copies of my credit reports and update my credit scores and I never got any response
Product: Credit reporting or other personal consumer reports

These debts is considered a charge off. However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not a charge off I'm requesting these be removed because it's not a debt. This is considered income and income should not be reported on your credit report. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have been a long time user of Citibank NA. i have been depositing income from my personal job, which is not steady in any way. Citibank delays my account fund and makes a small amount available as normal. Ive made deposits and payments to my accounts to make sure that my bills are paid with this time lag. recently however, they have delayed or put holds on my deposits for a week or more - causing multiple overdraft fees - even when it shows pending deposits. they return the payments as a credit - charge a {$34.00} fee each time and then shorten my funds and keep extending the time for my funds to be available. right now almost {$200.00} in overdraft fees have been assessed and ive had to re apply multiple payments to my bills. I went to two different branches to try to speak to a manager to address their issues and policies. The teller staff informed me that their policy is to delay funds due to their no direct deposit nature - that my account is inconsistent and they cant help me in any way - that i just need to change my payment due dates. I asked to speak to a managers - both we were busy despite my wait time. i requested call backs from both and neither complied. I am going to seek a new bank and begin the transfer process but i do want to make this complaint to be addressed. being self employed should not be punished this way - or ignored.
Product: Checking or savings account

I was using my PNC debit card this Monday XXXX to take my daughter to the zoo. I had all of my money accounted for and knew how much I could spend at the zoo. I only bought 1 bottle of water for {$4.00} and there was plenty of money in my account. 

I woke up the next day and saw that my PNC account was somehow overdrawn. They also decided to take all the money out of my savings account, which was about {$240.00} and placed it into my checking account, which supposedly fixed the overdraw. Even after transferring the money they then decided to charge me {$39.00} three times for a total of {$100.00}. 

I called PNC and was put on hold for about 25 minutes. When I finally was able to get a person to talk to they had no clue what they were doing and did not want to help me. I eventually just hung up on them because they were not being helpful. 

I called PNC bank and finally got a hold of someone that tried to help me. I wanted them to explain how I was over drafted and I wanted the fees refunded. They were not able to explain to me how my account became over drawn and they also refused to return the {$100.00} in fees. 

I asked to speak with a supervisor, but apparently, they did not have one available to speak with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed US BKPT CT XXXX XXXXXXXX / XXXX # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Mortgage

Suntrust has incorrectly documented my insurance coverage and is sending me letters that I do not have sufficient coverage. They are threatening to buy insurance on my behalf and bill me for it. I have uploaded several documents regarding my condos master policy and walls in policy and they have still not changed their documentation. Their website ( XXXX XXXX XXXX ) still insists I only have {$5000.00} of coverage which is not the case. They are not controlling their processes. The phone number to call does not reach a person also.
Product: Credit reporting, credit repair services, or other personal consumer reports

A least once a year I have to file a report to correct or dispute my credit report .Transunion is not reporting credit fairly my score was XXXX in XXXX its now at XXXX. First they added a business account on my personal file that drop my score by XXXX points. Unfair reporting, I've payoff four accounts three still show balances and the fourth shows account closed, the account was paid off not closed. It seems they report negative information than they offer service to correct it. I want my credit restored and these practices to stop. Reporting credit and selling credit reports is for sure a conflict of interest.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( XXXX ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute.

Additionally, I am requesting that XXXX XXXX XXXX provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ).

Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX