23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I receive Pennsylvania Unemployment that is loaded on a US Bank ReliaCard. Back in XX/XX/2020 i went to the store and my card was declined. I knew i had funds on it XXXX over {$400.00} at the time ). I called the phone number on the back of the card and was told it was locked due to an " address update '' .. ( also i got no notice at all saying my card was locked or inactive ) but okay no problem, was told to fax or upload my state I.D, a W2, social security card. So i Did that, then received email saying they are sending me a new card. I received my new card somewhere around end of XXXX. I activated new card and all was well, until XX/XX/2020. I went to use my card again at a store for a small purchase just to have it declined. Tried again, declined. I ended up calling the card company again just to be told the same thing i was told in XXXX. I ended up calling over 5 times getting in touch with 5 different representatives, which gave me different reasons ( along with the same reason as XXXX XXXX to why it is locked. One told me it's address/I.d update, another told me it was suspicious fraudulent activity ( which there was none at all XXXX and the other reason was " bank audit ''. I was told to fax/upload the exact same documents i uploaded in XXXX. So i did because i was not getting any answers anyway. Card was locked XXXX XXXX, documents were uploaded XXXX XXXX ( uploaded them twice, because first time they said the file was not able to be opened, but 2nd time it was accepted ) i called back and was told it takes 5 business days for them to be reviewed. I called them honestly over 120 times since the 5 business days had passed and i am being told to just wait, that it is an " off site '' department that handles the locking and unlocking of accounts/cards. I Demanded supervisors numerous times and was hung up on numerous times. Eventually getting in touch with a " supervisor '' or " upper management '' on XX/XX/XXXX and he said that their is no reason at all my card should be locked and he put an urgent/important note in to this department and told me within 24 to 48 hours it would resolved. Today is XX/XX/XXXX and it is still locked and i can not get any answers besides being told to " wait ''. I have been disrespected and hung up on many times. This so called customer service isn't doing anything to help me or resolve the problem. I am behind on my bills and my car insurance is going to end up lapsing if my card is not unlocked ASAP like today. XXXX not to mention, it has nothing to do with PA UNEMPLOYMENT, because PA UNEMPLOYMENT is still accepting my claims and loading $ onto my card that i can not even use due to it being locked. ) I dont know what else to do, this is totally unacceptable in everyway. 

I will take any help i can get. 
Thank-you
Product: Credit reporting or other personal consumer reports

There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. 
( XXXX XXXX XXXX XXXX XXXX.. hard inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... hard inquiry on XXXX XXXX XXXX There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXXParamount Mortgage did a hard inquiry on my report when they told me they would only do a soft pull for my mortgage preapproval. I called and they said it should have only been a soft pull, however it has been 7 months, and it is still showing up as hard pull on my account.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Mortgage

Ocwen has increased my payment monthly and will not give me an answer why. I keep getting notices from them monthly that I am behind in my payments. I have all the bank statements that prove I was NEVER delinquent in ANY of my payments. I refinanced my home ( apparently through them ). I am not sure. I have NEVER had a problem with my mortgage ( paid on time ). I am on XXXX and collect only {$1200.00} per month. My mortgage payment went from {$760.00} to over ( what I believe to be XXXX almost {$900.00}. I keep getting letters from them every month in regards to possible foreclosure and when I call them, they tell me my equity is in arrears. I've had this mortgage for 11 years and it never increased. I can not afford to lose my house that my late husband bought for us. As I said, I am on XXXX and can NOT afford this increase. PLEASE let me know what I can do, I am scared. 

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

XXXXXXXX XXXX amount of XXXX XXXXXXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX amount of XXXX XXXX XXXX amount of XXXX In accordance to fair credit reporting act the ABOVE LISTED accounts have violated my federally protected consumer rights AS FOLLOWS 1692 ( a ) - Consumer has a right to privacy.

15 U.S.C. 1681 A. states that I have a right to privacy 15U.S.C 1681 604A 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681 ( 2 ) ( a1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692d ( 4 ) The consumer must verify the debt. I the consumer never verified ANYTHING.

15U.S.C.1692d.Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages.

15 U.S.C.1692e ( 8 ) .false and inaccurate credit information reported Article 9, states companies can not assign a defaulted note.

15 U.S.C.1692e ( 12 ), the assignee and the assigned are jointly accountable for infractions.

1681 ( b ) - CRAs must follow reasonable procedures.

1681a ( 2 ) ( A ) ( i ) - Reported information can only be transactions and experiences between the consumer and a company.

15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley and must be removed because I never given a chance to give direction 1681b ( a ) ( 2 ) - CRAs need written instruction by consumer to make a consumer report Written instruction was never given by me the consumer.

1681b ( e ) ( 6 ) - All CRAs must work together and be joined.

1681e ( b ) - must maintain maximum possible accuracy.

1681s-2 ( 7 ) ( A ) ( i ) - required negative information notice. Never received
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the Credit Bureaus on XX/XX/XXXX and on XX/XX/XXXX and I am not understanding why Experian and XXXX  is not responding to my dispute requests at all. This is not right. I want these negative items deleted immediately. 

XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX- XXXX NOT MY ACCOUNT US DEPARTMENT OF EDUCATION- XXXX-UNVERIFIED ACCOUNT US DEPARTMENT OF EDUCATION- XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XX/XX/XXXX
Product: Checking or savings account

Wells Fargo charged me excessive overdraft fees. I was banking with them for XXXX years
Product: Credit card

On XX/XX/23 I received an email from CHASE stating that they had received a credit card application from me and was being processed. I did NOT try to apply for a credit card with them. I also received an email from XXXX XXXX stating I had a Hard Inquiry on my account now which effects my Credit Score. I contacted CHASE and have since received two letters from them. The first letter, containing my name and address, just states my request for a credit card needed more information. Reminder I NEVER sent in any application for a credit card with them or any other company. 
The second letter from CHASE, this time containing someone else 's name but with MY address came saying someone has tried to fraudulently open a credit card under their name. CHASE screwed up this paperwork as I am the one who had someone try to open a credit card with my info!! 
I need this taken care of and for my credit score to resume to the score it was before this fraudulent action put on a fake Hard Inquiry to my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months I've filed numerous disputes with Equifax to remove an unknown / fraudulent address I have no connection to. All of the disputes have been ruled in my favor and were to be deleted. To date it has not. And even after calling to inquire why the address hasn't be deleted everyone I talked to stated the report would be updated in 24 hours. Also I requested a 'consumer statement ' about this address be deleted which wasn't done either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX. I asked XXXX for a human review of the late credit card payments placed in my credit file from companies : Total Card XXXX ; and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want Total ; and XXXX XXXX XXXX to remove the credit card late fees reported on closed accounts with XXXX balances. The late payment reports are with XXXX XXXX and XXXX. This credit card accounts are closed. Additionally, the date of the late payments are not accurate. I mailed certified letters to XXXX on XX/XX/2023. After 30 days I did NOT receive communications from XXXX regarding my written request. On XX/XX/2023, I mailed second notices to XXXX via certified mail. I requested XXXX to show me written proof of their manual human investigation Total, and XXXX XXXX XXXX credit cards. On XX/XX/2023 XXXX notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my XXXX account online. Unfortunately, XXXX did not complete a manual investigation. XXXX did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. I want XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with XXXX XXXX and XXXX.
Product: Mortgage

I have been trying to apply for a loan modification or any help that they could offer me, but PHH dosent want to offer any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX has countless times allowed creditors to illegally add items to my credit report without verifying or validating this information, the following account from XXXX. XXXX XXXX Ive sent several certified letters demanding them validate any account they claim belongs to me and each time i have demanded this information this company has ignored my request but still was allowed to post this inaccurate information to each of my credit reports.
Product: Debt collection

Atlantic Recovery Solutions called me at work on XX/XX/2022. I told him not to call my work. He called back again in 5 minutes. XXXX called again today XX/XX/2022. My supervisor warned me again not to have debt collectors calling my workplace.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX  XXXX XXXX, XXXX XXXX and XXXX  XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX  XXXX, XXXX and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

RE : Loan Number XXXX I contacted my mortgage lender, XXXX XXXX, in the month of XXXX requesting that they remove the XXXX time 30 day mortgage late listed on my credit report for XX/XX/2023. 

I had an automatic payment set up with XXXX XXXX for XXXX different mortgages. XXXX XXXX separated the mortgages and transferred the above referenced mortage for servicing with another Company ( XXXX Mortage Servicing ), and then XXXX XXXX cancelled my automatic payment. 

My payment apparently was to start at the new Company in XX/XX/2023. 



Here is my reason for this complaint : Since my new payment was supposed to start XX/XX/2023 with another company, XXXX Servicing, XXXX XXXX or XXXX should not have reported the 30 day late payment. The 60 day grace period allowed by XXXX after any mortgage transfer was not applied to my mortgage. I reached out to XXXX XXXX and XXXX and they failed to rectify this matter caused by no fault on my part. 



Please contact XXXX XXXX and request them to remove the XXXX time 30 day late payment from all the credit bureaus on the above referenced Loan thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I paid interest only for the last 16 years, i paid approximately XXXX, my loan only XXXX During pandemic i failed to pay few interest payments approximately XXXX, i did modification but the company refused to waive that interest in order for me to be current, i resumed to make payments starting XX/XX/2021, but still owe the back interest of approximately XXXX I got cheated once this loan initiated, I didnt know its interest only, after 16 years of payments the principal still the same. 
I dont trust the mortgage company I feel they doing this practice on purpose to foreclosure on my home for XXXX, my house worth XXXX I need help to get back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you of Capital Ones unfair reporting practices. They have been reporting a sold charged off credit card account ( XXXX ) in my name to the credit bureaus. They sold the account XX/XX/15 to The Bureaus ( XXXX ), but have been reporting it to the bureaus as a Capital One debt with a balance owed that is still open to this day. They sent me a letter stating they were sorry and would remove the account. However, the account is still being reported. ( Proof is Attached ). This is considered double or unjust enrichment by federal law and is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I reached out to transunion to get hard inquiries removed they referred me to ftc. The ftc referred me to cfpb
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX {$820.00}, XXXX XXXX XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$210.00} 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: Debt collection

i keep getting scam calls and i dont know this company on my XXXX account ( GRANT & WEBER XXXX i never did any business with this company and this account keep changing the balance and its harming my credit score i would like to have full validation on this account and my signature i believe this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect inquiries that should be removed immediately ; way too many to have happened within a year 's time. I have contacted the bureaus before about it and they did not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the legal name of the court is incorrect in my credit files with XXXX XXXX, XXXX   and Equifax. I submitted the correct legal name to both credit bureaus. XXXX XXXX deleted both items, the discharged and dismissed bankruptcies. XXXX  and Equifax both replied they could not identify me and therefore couldn't find me within their files. I find this incredulous! Because I forwarded both credit bureaus with the first page of my credit report received from them. Nevertheless, I submitted the identifying documents and continued to ask for the removal of the bankruptcy items. XXXX  continues to list the bankruptcy item in my credit file. Equifax has corrected the name of the court. According to the FCRA, if the credit bureau is found to have incorrect information, they must delete the item ( s ). Since the reporting of this item in my file, I have been denied credit for a secured card.Attached are the initial ( XX/XX/2019 XXXX second ( XX/XX/2019 ) and third requests submitted to XXXX XXXX, XXXX  XXXX XX/XX/2019 XXXX and Equifax XXXX XX/XX/2019 XXXX credit bureaus.