23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company of original debt, XXXX and it 's collector, Credit Management Company were both notified multiple times that the debt had been satisfied. Entity and collector were provided with receipts and emails from practice manager indicating as such. Company was sent notice on XXXX XXXX, 2016 to cease and desist collection efforts. Company sent that notice back to us with an envelope demanding payment.
Product: Debt collection

JP Morgan Chase continues to harass me and calls before hours. I have picked up the phone numerous times to ask them to please stop calling. Just this morning they called at XXXX PST, just as they did on XX/XX/XXXX, at exactly the same time. This is illegal and a violation of law.
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 theinformation from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4business days after the receipt. Also, the information provided on some items areUNKNOWN to me and REMOVED from other bureaus and I have doubts about theiraccuracy. XXXX XXXX XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX  XXXX  XXXX BalanceOwed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$5000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$550.00} ; XXXX XXXX  MO XXXX XXXX Owed : {$0.00} ; XXXX XXXX Owed : {$3600.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$720.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$430.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX ) XXXX BalanceOwed : {$8400.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Owed : {$61.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX BalanceOwed : {$930.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Owed : {$760.00} ; XXXX  XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$17000.00} ; XXXX ; XXXX XXXX XX/XX/XXXX ; DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XX/XX/2017 I arrived to Bank of The West. I approached there ATM to deposit the amount of {$100.00}. I unknowingly used my prepaid card unaware i was n't able to use the card at the Bank of The West ATM. After depositing my money I received a receipt stating at XXXX " We encountered a problem returning your cash, please contact your financial institutions '' after trying to withdraw my money back, I got error reading. I contacted the Branch Manager at the bank and they stated my Prepaid card company ( XXXX ) would have to make a claim stating that i lost my money at Bank of The West ATM. but since there was no transaction of the money depositing into my card they where unable to file this claim. After spending hours on the phone with the branch manager again she said that she contacted the ATM Branch and they are now stating I was never there at the ATM and they are not Over the amount of {$100.00} But I have proof of I was there. I am attaching them to this Claim.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions.
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  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I received credit notifications today, XX/XX/23, that there were new Hard Inquiries that I never made, on XX/XX/23. I called both banks and advised them it was attempted identity theft, they were very friendly, helpful and understanding and provided tips, including contacting the credit agencies, in this case Experian, who had reported the Hard Inquiries. I wanted to dispute the credit inquiries and attempted to do this online with Experian, but for these types of disputes I would have to call. So I called and they asked me questions that were odd and impossible to answer, how am I supposed to know what the fraudsters stole? I just know there are hard hits that aren't mine and the banks even confirmed that they used the wrong home address for me and denied them. Well, less than 2 hours later I get an email from Experian saying the credit inquiries were valid and will stay on my credit report. They obviously made no such effort to confirm anything and assumed I'm a liar.
Product: Mortgage

I wish to avoid foreclosure. I was not given proper notice so I could have opted for State of Nevada Mediation. My notice of default was recorded on XX/XX/XXXX. A foreclosure certificate was requested in XX/XX/XXXX and issued/recorded on XX/XX/XXXX over 23 months later. Several RESPA laws have changed since my Notice of Default was recorded on XX/XX/XXXX. I do not feel their XX/XX/XXXX ( 23 month old ) Notice of Default is still valid. I also do not think I was properly issued my required mediation paperwork before simply recording a Notice of Sale 24 months after the Notice of Default. I believe Nationstar should have to record a new Notice of Default and then have offered me again mediation before it expired or waited another 90 days before recording a notice of sale. I want to avoid foreclosure. Nationstar is now evading that request. I am in the process of trying to avoid foreclosure and do a short sale. My attorney submitted an offer last week and Nationstar could postpone my sale date and allow me to short sale my home and avoid foreclosure. However, they refuse and say they can not accept my request. I do not understand why they can not postpone my sale date and allow me to sell the home. It cost them more to foreclose and takes longer. I have a market value offer on the table now.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX bankruptcy : XXXX, XXXX  XXXX bankruptcy : 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 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 or other personal consumer reports

On XX/XX/year> I reached out to XXXX, XXXX, and Transunion upon me noticing the numerous amounts of incorrect information on my credit report. I made them aware that some of the names listed as well as accounts did not belong to me. I submitted proof of identificaton as well as proof of address and still the negative items remain. t
Product: Credit card

In XX/XX/year> I purchased XXXX lights for {$59.00} from Home Depot and used my Home Depot credit card. The allure of getting a discount if I use my card lured me in. I had a {$0.00} balance on this card. With every creditor I have I always request a paper statement and turn on auto-pay. I used this card years back so figured autopay was still on and I'd receive a reminder letter. I've been working XXXX hours a week at work, have been sick, and it was XXXX so I did not have time to followup. Also we purchased additional lights that day and returned some of the lights so in the back of mind I assumed I was back to {$0.00} and didn't question it. 

On XX/XX/XXXX, I received a call from Citibank saying I had a past-due {$130.00} balance. I thought it was a phishing attempt so hung up and called right to Home Depot-Citibank. They told me I was already reported to the credit bureau for being over 30 days late for an original balance of {$59.00} which was now {$130.00}. I was devastated, confused and upset. Home Depot-Citibank told me somehow e-statements got turned on. In addition, the email they have on file for me is old and gets nothing but spam/phishing. I have had an account with Home Depot for many years and have never been late, not once. Neither have I been late with my other creditors. Now, I have seven years with this one {$59.00} charge ( paid off now ) on my report. Citibank was able to contact me easily AFTER they added on the late fees and interest on the late fees and reported to the credit bureau- but they made no attempt to find me as this would have been unusual for my credit history.

I admit technically yes I was late, but because I was sick, and with only {$59.00} I ask that they give me grace and remove this one late payment from my credit report as I thought my auto-pay was on and I would have received a paper statement.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPANY. I HAVE SENT DISPUTES FOR ACCOUNTS ON MY CONSUMER REPORT. 
AFTER THE DISPUTES WERE FINISHED, THEY CAME BACK UPDATED AND VERIFIED. 
THE ACCOUNTS THAT I HAVE DISPUTED STILL ARE REPORTING INACCURACIES IN THE DATE OF LAST ACTIVITY/STATUS DATE AND THE PAYMNET HISTORY. 
I OBJECT TO OPENING ANOTHER DISPUTE ( DO NOT OPEN ANOTHER DISPUTE ) I OBJECT TO OPENING ANOTHER REINVESTIGATION ( DO NOT OPEN ANOTHER DISPUTE ) I am now requesting which is my right under the FCRA THE METHOD OF VERIFICATION USED FOR EACH INDIVIDUAL ACCOUNT LISTED FROM MY PREVIOUS REQUEST. 
I OBJECT TO OPENING ANOTHER DISPUTE OR OPENING ANOTHER REINVESTIGATION. ONLY GIVE ME THE METHOD OF VERIFICATION FOR EACH INDIVIDUAL ACCOUNT AND NOTHOING ELSE WITHIN 15 DAYS. 
IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED UNDER THE FCRA, YOU WILL DELETE EACH ACCOUNT LISTED FOR DELETION IMMEDIATELY ( XXXX accounts ) & UPDATE IN THE ENTIRE PAYMENT HISTORY, PAID AS AGREED, NEVER LATE, PAID ON TIME ( XXXX accounts ). YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPDATE THESE ACCOUNT IN THE ENTIRE PAYMENT HISTORY TO PAID AS AGREED, NEVER LATE, PAID ONTIME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

discover refuses to provide debt validation. yet keep reporting me.i have requested debt validation many times. nothing. i have asked for a call for a debt settlement figure nothing. 
i have asked for emailed statements since i have no mailing address nothing.but they keep reproting me despite a cease and desist letter i sent please intervene. not just send it to them and accept the same old script they give
Product: Mortgage

I have been trying to modify my mortgage with Ocwen Loan servicing since the XXXX of XXXX. They keep telling me to send in the same documents that I have sent 6 times. I will attach the documents they have requested. I emailed the documents to XXXXXXXXXXXX every time. They say they receive them them they come back and say they have n't received them. It 's a complete joke. I had {$5000.00} to make a payment and bring the loan current on XXXX XXXX 2015 and was told they wo n't except it because they needed XXXX because of fees. That is illegal. I was told to apply for a modification so I could save my XXXX and the modification would bring me current. If the modification does not go through them I am screwed. I need them to get the modification done now! They have all the document ion they need to get this done and they have XXXX copies of everything.
Product: Checking or savings account

My complaint is two parts. 1. I wrote a personal check and mailed it from home, my mailman was driving by, and I handed it to him. The check was not received by the person I issued it to, his name was written and then crossed out on the endorsement side, then " mobile deposit only '' Bank of America. Bank of America refuses to respond to my personal bank or me, or to the person I issued it to. 2. I sent a check via bill pay from my business account. It was not received by the insurance company I wrote it to. Another " mobile deposit Band of America '' endorsement. Again, BoA refuses to respond to me, my bank or the person the check was issued to. The problem is from XX/XX/2022. I have left many messages for XXXX XXXX XXXX XXXX and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been very active in trying to clear up this identity theft situation im in. i have sent in reports to the bureaus to no avail. there sill remains an inaccurate account on my reports. XXXX XXXX opened in XX/XX/2012 with a {$17000.00} balance is not my account.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Checking or savings account

Received XXXX calls from XXXX XXXX phone number, called back, someone answered as bank of America. 

I asked who called me, unknown. I providedy phone number, person said I had a checking account with that number. 

I asked how, I don't bank with b of a. Caller said don't know but there is an active checking account assigned toy cell phone. 

When I told them this was an unauthorized account I never opened, I was reporting as fraud, line went dead. 

Tried to call back, went straight to voicemail 3 times with mail box full. 

The number associated with this call was XXXX
Product: Credit card or prepaid card

I received my XXXX statement and noticed that my balance increased by {$3500.00} and my minimum payment of {$380.00} increased to {$660.00}. When I reviewed the charges it was for some purchases that I was already charged for back in XXXX of 2022. Which means that I was already compliant and my payments were going through. 

When I called the company they said that changed banks and that it was an error on their end. I stated that I was upset because this hit my credit. It affected my credit by showing that this card was maxed out and that was not the case. I also asked them to fix my monthly back to the regular amount of {$380.00} before my automatic payment is withdrawn. I explained to them that they are not allowed to take out more than what I agreed to pay monthly. They said they will submit the dispute and my payment should stay the same. When they day of the payment arrived they took out the {$660.00} which was the error they made. When I called to get answers they said that they saw the mistake and apologized. I asked how this was going to be resolved and they hung up on me.
Product: Credit reporting or other personal consumer reports

I am disputing the reinsertion of two accounts on my credit report : XXXX XXXX  ( Account # : XXXX ) and XXXX XXXX XXXX Account # : XXXX ). These accounts were reinserted without proper notification, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires written notification within five business days of reinsertion. I did not receive any such notification, constituting a clear violation of my rights under the Fair Credit Reporting Act. Additionally, under 15 U.S.C. 1681e ( b ), all reported information must meet the standard of maximum possible accuracy. These accounts fail to meet this standard, causing substantial inaccuracies in my credit report. Moreover, they do not meet the requirements for a permissible purpose as outlined under 15 U.S.C. 1681b. These oversights reflect a failure to maintain compliance with federal regulations. Non-compliance with the FCRA is a serious matter. Even non-willful violations may result in damages, and TransUnion could be held liable for at least {$1000.00} per violation. This issue has caused significant distress and financial harm. I hereby demand the immediate removal of these accounts from my credit report to prevent further damage. Furthermore, I request a detailed explanation of the reinsertion process, including the sources of verification used to justify this action.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the subsequent removal of disputed negative items from my credit report. Regrettably, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved.
Product: Debt collection

Step 1 : What is this complaint about? XXXX Step 2 : What type of problem are you having? REPORTING on my credit negatively destroying my credit. 

Step 3 : What happened? XXXX bill put in my name without my consent. 

Step 4 : What company is this complaint about? XXXX Transworld System collection agency Step 5 : Who are the people involved? 
XXXX  and transworld system.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX 2016, THIS ACCOUNT WAS OPEN DUE TO FRAUDULENT ACTIVITY. ( THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION BECAUSE I WAS AWAY IN THE XXXX XXXX XXXX XXXX XXXX 2016, THIS ACCOUNT WAS OPENED DUE TO FRAUDULENT ACTIVITY. 

THIS IS UNFAIR SYSTEM TO BE IGNORED AND TAKEN ADVANTAGE OF, WHILE PLENTY OF LAWS ARE BROKEN DUE TO MALPRACTICE AND SEVERITY OF NOT TAKING MY SITUSTION SERIOUSLY. IT HAS CAUSED FINANCIAL INJURY AND DEFAMATION OF MY CHARACTER ALONG WITH MORE THAN 45 DAYS OF NO RESPONSE
Product: Vehicle loan or lease

XX/XX/2019 got a auto loan from One Main Financial. I believe we got a fradulant loan as we did not qualify and have been mislead into to charges and fees making it impossible to pay loan. After two years the balance is higher than original loan amount and we keep getting loan offer modifications that are not legal. The principal that gets paid is only {$6.00} dollars and intreset is {$200.00} monthly. I believe we have been scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cant get my report froze my account without consent Csnt get a rep cant reset password gone on for days rep was rude didnt lusten
Product: Mortgage

XXXX XXXX transferred my mortgage to PHH mortgage company which appears to be a subsidiary of XXXX XXXX In XXXX. 2024. I was not informed of a new account number or new address of where payments were supposed to go. My payments were on auto pay out of my checking account to XXXX XXXX. I found out two weeks ago that upon transferring to PHH they did an escrow analysis and raised my payment by {$100.00} without telling me of any shortage or without telling me why they did an escrow analysis in XXXX when it shouldve been done in XXXX effective XXXX. So now they are saying, I am delinquent the payment amount for those months. I was not Notified of any of this, nor was I told about any shortage. why are they allowed to do an escrow analysis upon transfer of a loan in XXXX and change my payment without telling me? They did not give me results of their analysis and did not give Me any explanation as to why they did that in XXXX and raised my payment without telling me much less telling me about the new loan number, etc. Please advise I appreciate any help you can give me