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

I have a credit card with XXXX  XXXX  XXXX XXXX  I fell behind in XXXX of XX/XX/2020account balance was at XXXX $ in XXXX I cleared the balance and paid it off card is current and being paid on time from XXXX of XX/XX/2020till currently. In XXXX of XX/XX/2020I lost my card I reported they sent me a new card which was still at a XXXX $ balance. Equifax is saying I have 2 accounts 1 is at a XXXX $ balance and 1 at XXXX $ the card at XXXX doesn't exist they said it was updated last in XXXX and that the 2 times I have disputed it. Thats the information they are receiving even after they told me last update was in XXXX.
Product: Debt collection

When I originally called to set up payment arrangements on this account I was told as long as I set up an arrangement by XX/XX/XXXX or XX/XX/XXXX..i cant remember, this would not go on my credit. I had spoken to an XXXX. I called today to make my payment and I asked again about my credit and they told me it would go on my credit XX/XX/19 if I did not set up automatic payments. This IS NOT what I was told. If I would not have asked, it would have gone on my credit without my knowledge. I feel this unethical and I want every phone call pulled when I called in and listened to so you can see that they are less than truthful. No one told me this would go on my credit. I get a statement every month and no where on it does it say if i do not set up automatic payments, that it will go on my credit. They told me it would not. I set up to payment arrangement for {$200.00} a month and that is what I have done. Last month I paid my payment on XX/XX/19 and they called me XX/XX/19 and asked for the balance in full? They are unethical and harassing me and this could cause me great harm if it is reported to the CRA 'S. I do not have a problem setting this up automatically but no one told me until I asked today that if I did not it would effect my credit. I am wondering how many other people that this has happened to?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/, XX/XX/, XX/XX/, XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to unfreeze my credit report with equifax. Online, the system will not accept my log in or password and when I call I am either disconnected or told the system is down and they are unable to acccess my account information.
Product: Mortgage

Well once again here I am seeking help with the OCWEN customer service, now we are being sent registered mail twice a month and have them coming out 2 times this month for a mortgage inspection and twice for pictures, I have asked for the information on their contractor that is driving around out property without permission so I can file a criminal trespass complaint with the sheriff 's dept and they refuse to do so and this contractor refused to identify themselves while throwing an envelope at my wife and running off the porch, please bear in mind that this property is 15 miles out in the middle of nowhere, I hope you can understand why we are a little jumpy with strange people and cars running around. I was informed that we would be charged the certified mail charges and for the title searches and property inspections, as many, as they see fit to perform a month. And now when I call in my number has been fenced out of the automatic Identity system and I have tried calling several times and get a recording that no one is available to help me. to call back, This is ridiculous harassment does not even begin to describe what we are living through.Since my complaint to the CFPB, it seems as though that we have entered into an area where our rights as property owners do not matter. Please do not refer this complaint to the OCWEN lip service or as they call it the ombudsman, I expect the complaint to be handled at the highest level to get us some relief from the stressful situation that this GLOBAL company is creating.
Product: Student loan

I applied for a private loan at the age of XXXX in hopes of being able to afford university. The loan was originally disbursed through XXXX XXXX, who later changed their name to Navient XXXX. Originally this was a XXXX XXXX Smart Option Student Loan and was disbursed XX/XX/XXXX for a total of {$20000.00}. When Navient took over, the interest rate became a variable interest and has fluctuated as high as 11.625 %. My first payment with Navient occurred XX/XX/XXXX. Over the last 11, going on 12 years, Ive paid more than the original balance of the loan. 

When communicating with Navient, they have made it very difficult for me to obtain information. For example, when I inquired about removing my co-signer I was provided with incorrect information which prolonged the process. I believe that this was done intentionally. Additionally, when I ask for details regarding my loan such as repayment dates and explanation of interest accumulation, I am met with hesitation. 

I feel as though I have been a victim of predatory lending and that Navient should be under review.
Product: Checking or savings account

I was banking with SunTrust over 10 years ago. I am sorry I can not find the exact dates. For a good while, my account was without funds. Several online companies were still charging me over a period of several months without notification. During this period, every time a charge was sent to the bank, I was charged an extra {$35.00} USD per declined payment. The bank claimed it was a bounced check. I noticed one problem with their claim. I was a subscriber to XXXX XXXX  XXXX multi-media online role playing game. I noticed I could not access my account when I saw that payment was declined. When I looked at those records several years ago, I noticed that SunTrust claimed to have made that payment on that month XXXX declined the monthly payment and halted my subscription. They also charged me an extra {$35.00} for the declined transaction they claimed to have paid XXXX. Several other charges I did not recognize were stacking up for several months, possibly 6 months in total. By the time I realized something was wrong, ( I was not using SunTrust at this point and I was receiving help from my family financially at this point. ) the total amount was somewhere between XXXX to XXXX USD. I wanted to fight this because I did not believe a bank could get away with that kind of practice, neglecting to inform me for several months what was happening to my account. Unfortunately ( or fortunately, however you want to look at it ) my grandfather stepped in and paid the balance in full against my strong and angry objections. I thought I could fight this injustice and win but he was a friend of the community and of the bank manager at the time. At the time, because my grandfather had already taken care of the balance, I didn't think there was anything I could do to rectify this injustice so I have put it out of my mind. After reading about the CFPB and how they investigates illegal practices, I thought maybe I could bring their attention to this problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, Subject : Dispute of Inaccurate Credit Report Information Underage Account I am writing to formally dispute inaccurate information on my credit report concerning an account with XXXX XXXX Account Number : XXXX. This account was opened in my name while I was underage, and no cosigner was involved in the application process. Therefore, the account was established illegally and contains inaccurate information that needs to be corrected immediately. 

According to the Consumer Financial Protection Bureau ( CFPB ) guidelines, as well as XXXX XXXX own policy, specific requirements must be met when issuing a credit card to individuals under the age of XXXX. The CFPB mandates that if an individual under the age of XXXX applies for a credit card, they must either prove they can independently make payments on the account or have a co-signer who is over XXXX XXXX XXXX. It is also noted that not all card issuers allow co-signers. Here is a direct reference to the policy for your convenience : Application requirements might differ a little among credit card issuers. But heres an idea of the kind of things your lender considers when youre applying for a credit card : Age You have to be at least XXXX to open your own credit card with XXXX XXXX. But according to the Consumer Financial Protection Bureau ( CFPB ), if youre under XXXX, youll have to prove that you can independently make payments on the account or have a co-signer who is over XXXX. And not all card issuers allow co-signers. 

At the time this account was opened, I was under the age of XXXX and did not have a cosigner nor the means to independently make payments, which clearly violates both XXXX XXXX  policy and CFPB regulations. Therefore, the account should never have been approved, and its presence on my credit report is erroneous and damaging. 

I request that XXXX XXXX investigate this matter promptly, remove the account from my credit report, and correct the associated inaccuracies. Please provide written confirmation of the removal once the investigation is complete. 

Enclosed, you will find copies of relevant documents, including my identification and any additional evidence supporting my claim. Please let me know if you require further information or documentation to proceed with this dispute. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

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

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX account # XXXX Transunion XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX xxxxxxxxxxxx XXXXXXXX XXXX XXXXXXXX account xxxxxxxxxxxx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid company XXXX XXXX in settlement and experian will not remove, even though they removed another account XXXX XXXX XXXX  ) which was paid in a settlement as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the credit bureaus 4 times already.

The credit bureaus didnt follow the Fair credit reporting law.I asked the credit bureaus for the method of verification and they didnt provide it to me.Therefor, I believe they reporting inaccurate information on my reporting because they failed to provide me with furnisher who report it.
Product: Mortgage

My ex-wife and I purchased a house back in XXXX time frame. She was the primary loan holder and I was the secondary. We divorced in XXXX of XXXX  and I did a mortgage assumption from her. We closed and signed all documents on XX/XX/year>. I attempted to create an online account to manage my loan but am being told that for security purposes I can not create an account because it is an assumed loan. I'd like to be able to view my mortgage details and set up automatic payments securely through a portal rather than email forms with my personal data on them back and forth with an agent.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to WELLS FARGO. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my XXXX and XXXX consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Mortgage

my father passed away, my husband passed away the my mother passed away. chasefinancial want me to pay for a home my mother stayed in for 2 years and continue to pay until her death. My mother lived in an undesirable area of XXXX NC. She wanted to move so we found her a condo. After about 2 years she could not live alone, so she lived with my husband and I. she continued to pay for her condo until she passed away XXXX XXXX, 2014. I send Chase the death certificates for both my mother and husband. and explained I would not be able to pay for the home, because, both responsible parties had now passed away. They send me a entire packet to apply for a loan to transfer the mortgage into my name. I call them and was informed they could not talk with because I was not a responsible party on this loan. I received letter ever week and I would call they would say the same thing .The letters all say the Estate of XXXX XXXX and the Estate of XXXX XXXX XXXX . Then all the calls started and I till the same thing on the phone. Then the letters started coming with owner XXXX XXXX @ XXXX XXXX XXXX, XXXX NC XXXX. When my Mother moved with her mailing changed mailing address to ours. The address for my Mother was XXXX XXXX XXXX, same city. I wrote XXXX letters to Chase, Talked to so many people, but the end result is the same I can not pay for a property that is not mine. After all this talking XXXX XXXX bank called and said I owe over XXXX dollars on the overage account of my Mother and me as a responsible party, after know she was dead the continued to take money out of the, because I was alive and no liability on Chase 's account but on the bank. I can not afford a lawyer I live on a small amount of money. Please help I know some about this is not right.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX subletting his apartment in XXXX for the summer. XXXX, got a XXXX XXXX, and eventually paid the {$2200.00} security deposit on XX/XX/XXXX through Venmo. His Venmo handle was @ XXXX. He went by XXXX XXXX on XXXX and claimed to be an XXXX XXXX. 

After the fact, I texted him a few times on XXXX XXXX to make sure we were still good. He also talked to my mom over the phone so I have his number too XXXX XXXX XXXX. Now hea XXXX me and deleted his email and XXXX. Another XXXX user reached out named XXXX XXXX who also appears to have been scammed. I still have the signed sublease form and XXXX XXXX  history. 

I'm a XXXX XXXX  and {$2200.00} is a lot to me, I need to get this issue rectified in some manner. I am more than comfortable getting law enforcement involved, but I would like to inquire about XXXX XXXX XXXX XXXX. Is there a way to get his XXXX through his Venmo account and hold him liable? Thank you.
Product: Debt collection

TO WHOM THIS MAY CONCERN, YOUR COMPANY SAID I ALLEGEDLY OWE YOU MONEY. I WILL PAY UNDER ONE CONDITION IF YOU CAN PROVIDE : 1. VALIDATION OF THE DEBTTHAT IS, THE ACTUAL ACCOUNTING 2. VERIFICATION OF A SIGNED INVOICE 3. A COPY OF THE CONTRACT BINDING BOTH PARTIES, IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT WITNESS HAVING TO IT BEEN DELIVERED. 


KIND REGARDS, XXXX XXXX XXXX
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

XX/XX/XXXX XXXX XXXX XXXX  confirmed to EXPERIAN by reporting the same violation in a charge-off account and sold to another company a monthly payment ... 
Why do I have to notify you that its a violation to report a monthly payment in a close and sold charge off account.. 
I previously disputed the information with EXPERIAN but as you can see XXXX XXXX XXXX  confirmed the Violation as proof I will attach the picture with the report send to me.. 
XXXX XXXX XXXX reporting monthly payment in charge off account is a violation of FDCPA ... 
Also high balance os higher than credit limit ...
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter. 
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

True accord texted me over a debt at XXXXXXXX XXXX. Waking myself and family
Product: Credit reporting

I reviewed a copy of my credit report last summer and XXXX XXXX of XXXX was allowed by Equifax to access my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I was not aware of, nor did I ever authorize such action in written or verbal form in XXXX, as I purchased my car in XXXX of 2016. Also, my car is not financed through XXXX XXXX of XXXX. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

I contacted XXXX XXXX of XXXX who conducted the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. XXXX XXXX the General Sales Manager agreed to have the inquiry removed, but is now unresponsive to several calls and voicemails. I have also asked my State 's Attorney 's office to investigate this company as this it 's clear that this company as well as Equifax is violating federal law with no regard for consumers. 

I am disputing this item that needs to be deleted and I am requesting an updated copy of my credit report, which should be sent to the address listed in this complaint.
Product: Checking or savings account

On XX/XX/2019 my wallet was stolen. I walked into the lobby at American First Credit Union in XXXX XXXX and asked to have my account frozen. While speaking to the teller three charges hit my account. I completed the dispute form and left. On XX/XX/XXXX I called to ask why their fraud alert didn't notify me and was notified my account had not been frozen. I was told by the fraud department that I had to be willing to pursue criminal charges to be eligible for provisional credit. They also told me that they had tried to contact my husband and was told the number was invalid, I confirmed the number in the file was accurate and told them we had not been contacted, On XX/XX/XXXX two of the charges posted to my account, I went to the branch and was told the account had not been frozen, the branch manager put a freeze on the account. He then called the fraud department and he told me they said the third party vendor they use for fraud monitoring had not been updated with the new account contact info which was given to the credit union two years ago. I don't know if they'll make me wait 90 days to get the disputed charges handled ( they ranged from $ 100- {$4200.00}. ) but their internal controls are horrible. They didn't freeze my account and have serious weaknesses in vendor management,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXXXXXX