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

I never gave my written consent to pull my credit from the list provided blow. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

AMEX is reporting XXXX corporate accounts on my consumer credit report. Both have been disputed via all XXXX bureaus and AMEX directly. All consistently take longer than 30 days to respond or send " run-around '' letters claiming that they need more information. More importantly, these accounts were never shown on my consumer credit report for the many years they were in good standing. They appeared only after I lost my business to a fire and became delinquent. This is unfair credit reporting and I request that the accounts to be moved back to the business credit bureau reports and removed from my personal consumer report. This is the very reason why small business owners maintain corporations at great expense. The accounts in question are AMEX account identifier # XXXX for account ending in XXXX, and XXXX for account ending in XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

In XXXX we filed for Chapter XXXX and a repayment plan. Ocwen Mortgage bought our mortgage in XXXX of XXXX. We came to the end of the Chapter XXXX at the end of XX/XX/XXXX. Ocwen signed all the necessary documents showing the end of this plan. Starting in XXXX of XXXX, Ocwen started billing us for back interest and late payments and any other fees they could come up with. The bankruptcy court notified Ocwen to correct all of these additional fees. They were also in contempt of court due to not showing up for the court hearing. The payment on this loan has not been paid since XX/XX/XXXX due to the attorney telling us not to make it until everything was corrected by Ocwen. Ocwen is hiding all of this and not even reporting it past due on the credit bureau.
Product: Credit reporting or other personal consumer reports

This has been the worst experience in my life in terms of getting a loan. Talk about predatory loan practices and shady consumer practices. I would stay away from this company! As soon as interest rates lowers I am out! 
This is not my first experience in home buying or having conventional mortgage loan. The sad part of it all is I didn't choose these sharks ; the loans was sold to them! I thought one of the bigger conventional banks would buy it from XXXX XXXX mortgage whom I took the mortgage out with but no, these predators came into my life and it has been a nightmare ever since! 
My business is in the dumps! You can read my previous complaint for full details. But a summary of the events : the mortgage was sold to and serviced by XXXX XXXX XXXX ( XX/XX/XXXX ) ; which turned out to be a subsidiary of XXXX XXXX, the company that ultimately absorbedXX/XX/XXXX and took over the mortgage. The acquisition process was done so incompetently in that all account information was not transferred. It then become the client responsibility to prove that you paid all the past mortgages ; information that wasn't transferred. Two months of information was just lost in my case. They didn't even make any attempts to get the information it seemed. Remember, XXXX and XXXX are part of the SAME company!!!!! - the phone number even remained the same! so even when you tried to call XXXX to find out what happened during the transfer or for them to send the information you end up right back at XXXX! FRAUD!!!!! 
But I refused to be cheated and so I kept calling 3-5 days per week many times per day and I would not stop! For MONTHS!!! 
They hung up on me; mocked me, was sarcastic ; insinuated that I was lying etc. I sent them multiple copies of the receipts they sent me of proof that I paid the mortgage for the disputed months. Apparently they don't accept their own receipts. I sent them bank statements that I paid the mortgage. They went silent for MONTHS!!!. My credit went in the dumps. I kept calling. I filed a complaint to the wrong regulatory body and then to this agency. My business tanked. 
Once I filed the complaint with this body they decided to respond once they realized that I wasn't going to be cheated and be intimidated into repaying for those 2 months. 
I was right, I wasn't late and I was up to date on my mortgage. 
I know they got many other folks who wasn't dogged like I was. I know other folks caved. 
They assured me that they would report the error the the credit agencies and they didn't and this is why I am back here! THEY DID NOT! 
I WAITED 3 MONTHS AFTER AND APPLIED FOR CREDIT AND THIS WHOLE ORDEAL IS STILL ON MY CREDIT. 
AT THE SAME TIME, GUESS WHO IS SENDING ME OFFERS OF XX/XX/XXXX!!! 
JUST TAKE A WILD GUESS!!!! 
FOLKS ; DON'T WALK, RUNNNNNNNN AWAY FROM XXXX XXXX OR XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i have been dealing with credit Issues for the past Month, i have called all 3 credit Bureaus, call creditors, file a police report, put a fraud alert on my credit profile and still inaccurate and accounts and inquires are continue have been added to my credit profile. XXXX, EXPERIAN XXXX, have receive police reports, everything that was require i have sent. i have read the law and very familiar with the rights i have, before i proceed with WITH LITAGTION and SEEKING RELIEF AND MONTETARY DAMAGS UNDER FCRA SECTION 616 AND SECTION 617 i want to file a complaint with you CFPB ... 


EXPERIAN THESE INQUIRIES WAS NOT AUTHORIZE BY ME ... 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX 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

These fraudulent accounts are reporting on my credit report. 

XXXX XXXX XXXX  {$5600.00} XXXX XXXX XXXX
Product: Debt collection

I purchased a XXXX refrigerator and was offered 12 months no interest. My monthly payment is {$150.00}. The first monthly payment was received and posted without incident. The second monthly payment of {$150.00} was due on XX/XX/. I schedule the payments in advance through my bank XXXX XXXX. Although the payment was properly scheduled and you should have timely posted it, for reasons beyond my control the XXXX of XXXX XXXX intervened and the payment was not posted to my account until XXXX XXXX XXXX When my XXXX bill arrived, there was a {$29.00} late fee. On or about XX/XX/, I contacted customer service, explained the issue to a representative. The representative told me the {$29.00} late fee was removed. The next payment of {$150.00} was due on XX/XX/, and was posted to my account on XXXX XXXX XXXX Notwithstanding, when I received the XXXX bill, it showed the {$29.00} late fee reversal posted to my account on XXXX XXXX XXXX, but there was another {$29.00} late fee even though my payment was on time. Amazingly, when I received the XXXX statement, it contained a {$40.00} late fee for not paying the {$29.00} late fee charged for not paying the original {$29.00} late fee that was reversed on XXXX XXXX XXXX All late fees are improper and should be promptly removed.
Product: Credit reporting or other personal consumer reports

Experian is failing to take off XXXX accounts that are fraudulent I have provided a police report, federal trades commission identity theft report, letter from the IRS stating Im a victim of identity theft, I have sent multiple amounts of evidence, no resolution has been giving, both XXXX XXXX XXXX XXXX and XXXXXXXX XXXX has stolen my information and has used at will to open these fraudulent accounts in my name and Experian has done nothing about it, they continue to violate my rights, my identity has been leaked on the dark web several times and no help has been giving by this credit reporting agency to correct my report, I want these accounts taking off or I will seek legal action against them, now I want them to correct my report and do there job, this has been ignored for to long. Im not the only one they have done this to, Im asking and demanding my credit report be corrected and fixed and take off XXXX XXXX XXXX XXXX and XXXX XXXX, I can and I will sue for damages, they have ruined job opportunities and hurt me financially.
Product: Mortgage

The mortgage company disallowed me from making my mortgage payment using the online web page. MID AMERICA MORTGAGE forced me to submit a cashier 's check, which I did, but took almost a month to process the payment which resulted in a negative mark on my credit report. All due to the processing of the check which was out of my control.
Product: Debt collection

I am writing to express my extreme frustration and distress regarding the ongoing presence of fraudulent accounts on my credit report. Despite having escalated this matter to the appropriate authorities, the situation persists, tarnishing my creditworthiness. 
I have diligently followed the necessary steps to address this issue, including filing a police report and working with the relevant authorities. Unfortunately, the impact on my credit report remains, causing significant distress and adversely affecting my financial opportunities. 
XXXX XXXX XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I kindly request an urgent and thorough reinvestigation into the fraudulent accounts listed above. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers the right to dispute inaccurate and fraudulent information on their credit reports, and I am exercising this right. Given the gravity of the situation and the steps I've already taken, I request that you prioritize and expedite the resolution of this matter.
Product: Debt collection

On XXXX the XXXX 2022, A company by the name XXXX XXXX XXXX made a report to collebtion debt company XXXX XXXX XXXX XXXX XXXX XXXX a charge of {$550.00} the according to XXXX XXXX XXXX I was due to pay on XX/XX/2022, I have never been to XXXX XXXX XXXX, never heard of it before this incident, and base on the reviews i would never do so, upon further look on the review multiple people have made the same claims of the same amount of money being fraudulent reported it for collection, I have taken screenshots of it and I have submitted then on here.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Glass and Glass P. L. C. 
XXXX XXXX. XXXX XXXX XXXX, Virginia XXXX To whom it may concern back in XXXX I advice this company XXXX XXXX XXXX, that I had become XXXX XXXXXXXX and out of work. They have since threaten me on number ours occussion and now they have turn this account over too this law firm which has summoned me to court on XX/XX/XXXX. 

When I first became disable I turned in XXXX benefits forms and they denied me benefits. Im XXXX XXXX  XXXX and on Social Security Benefits. My husband became XXXX back in XXXX and currently in a chair. I have spoken with this company numerous time with no fair results. 

This bill should have been written off under the XXXX benefits.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. i have disputed these accounts from XXXX XXXX and XXXX as fraudelent last month and its still on my credit report, you guys removed the other fraudlent items but seem to have forgot these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax processed 2 hard credit inquiries XX/XX/22 that I did not do. 

XXXX XXXX XXXX and XXXX. 

I did not apply or authorize any credit applications on this date or with these companies. 

I have tried to place a credit freeze with experian both online and over the phone and it says " they are unable to place a freeze ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX refuses to accept my Identity Theft report from the police. They are refusing to place a 7 year freeze and a 7 year fraud alert on my credit file. I have made numerous attempts to resolve this, was charged {$5.00} and was assured by XXXX and XXXX ( reference number XXXX ) that XXXX would refund this money once they received a copy of the Identity theft Police Report. Military ID with social security number is attached. Please let me know if I must get a Senator or President Trump to assist.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

To whom it may concern, Hope you are doing great. I signed a lease with XXXX XXXX XXXX XXXX XXXX to rent an apartment foXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX. However, the leasing company wanted to assign me to XXXX XXXX XXXX XXXX with a different floor plan. The company lied about my leasing address and floor plan. When I declined to move to a different address other than the one on my lease, the company wanted to charge me with {$6800.00} besides the {$1300.00} deposit I paid. The company also lied about that we could have our deposit waived if we got a guarantor company designated by the leasing office in order to induce us to sign the lease early. The leasing company refused to return my deposit and sent {$6800.00} I did not owe to Hunter Warfield collection company. I was tortured at the XXXX XXXX XXXX XXXXXXXX XXXX because I didnt support Joe Biden . The leasing company is colluding with Hunter Warfield to retaliate against me after XXXX XXXX was charged. I dont think the US laws and Constitution allows any resident in the United States to be tortured and blackmailed for their political stance. Furthermore, any resident should not be tortured by people colluding with foreign countries for election wins and other corruption practices like trying to deprive our lawful immigration status due to our political affiliations and using secret codes like numbers and movies to communicate with foreign countries for political collusions and other illegal practices by selling or distributing sensitive information of US residents. It sounds a personal problem, but it is ( potential ) voter intimidation, political retaliation, physical and mental torture and harassment related to elections and politics. I hope you can investigate such pervasive corruption practices. If you need any further information and evidence, please feel free to contact me at XXXX. 

Thank you. 

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

I have a number of issues currently with Equifax. 

- on XXXX I ordered a paper copy of my credit report. I paid {$5.00} for this report. I was told it would take 5-7 business days. When I spoke to an Equifax representative on XXXX, they stated that it had been mailed I would receive it shortly. It is now XXXX - XXXX business days later - no report. 

on XXXX I called Equifax because suddenly my ENTIRE credit file disappeared and an address from another state was appearing attached to my name and SSN. After numerous attempts to get this correct all that has been done is an update of my current address. It is now XXXX and my file is still completely blank. My entire credit history has vanished and no one at equifax seems to be able to explain why or is even vaguely interested in fixing it ( I had one CSR tell me that no, in fact, I did not have any credit accounts otherwise they would be showing up ). 

- after the security breach was finally made XXXX, I went to the security web site to see if I was impacted and when I could sign up for credit monitoring. I was told that yes, I was impacted and that my date to sign up would be XXXX. After registering, I would receive an email to complete enrollment. Today is XXXX and I have yet to receive any word on further enrollment. Given that my one complete credit file is now blank and equifax is taking 5 business days to provide some modicum of monitoring service, I have grave concerns that my credit history with Equifax is even existent. 

Due to this shoddy handling of sensitive protected information, I am currently unable to apply for any credit as a comparison on my reports between the other two CRAs and Equifax would show grave discrepancies, all due to Equifax 's incompetence. I have also been denied credit which I believe is solely due to Equifax mishandling of my file and incorrect information ( in this case, no information ) and a wrong address being reported. 

Also, aside from this complaint, and joining any class action law suit I can against Equifax I will be filing a separate, individual lawsuit for FCRA violations as clearly they are unable to maintain accurate and complete records.
Product: Mortgage

Bank of America was supposed to credit my mortgage for the excessive amount Bank of America charged me for the Homeowners Insurance Policy as Bank of America placed Lender Placed Insurance which was inflated as the policy was issued by XXXX XXXX and XXXX XXXX both subsidiaries of Bank Of America. Attached is the court order to pay me for the excessive charges Bank of America has charged me.
Product: Credit reporting or other personal consumer reports

Hey TransUnion, I regularly check my credit report because my XXXX XXXX is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my XXXX XXXX unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Someone opened a checking account in my name at Chase. Chase bank won't let me close it.
Product: Credit card

I have a Chase Sapphire Reserve credit card. As part of the benefits promised with this card are trip interruption and trip delay insurance. I needed to make a claim because of a XXXX flight delay that required us to spend the night near XXXX XXXX after our flight we missed our connecting flight because of a flight delay. I submitted a claim to the agent of Chase, eclaims.com on XX/XX/year>. I provided the documentation requested. I have been repeatedly asked to provide additional documentation o er the last three months. In each case I provide what is asked for, I then hear nothing back until I call them, and am then told additional documentation is needed. 
As XXXX XXXX as an agent of Chase, I complained to Chase and was essentially told Chase has nothing to do with it. 
In the meantime, I am dealing with a non-responsive company that appears to be giving me the run-around instead of processing a legitimate benefit offered by the terms of my credit card with Chase, and am unable to collect the benefits to which I am entitled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and TransUnion have continued to report false and incorrect information on my credit report time after time after time. They have n't contacted any of the alleged creditors and if they had they would know that each dispute was in fact valid and the incorrect information should have been removed. They have violated the FCRA numerous times with reckless abandon and no one, including the CFPB seems to care. They continue to report false information for their own monetary gain. Not only that but i was told that i was being sent to a " special handling '' department and only ONE person could handle my requests, meanwhile he 's never at his phone or cares to return calls. Also, they have repeatedly locked me out of their website to file a dispute online and when I was able to finally get online, they said they would n't dispute any of the previously disputed items even though those previous disputes were extremely lacking in how or what was verified and by whom.