23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$110.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$690.00} Account Name XXXX XXXX : Account Number : XXXX : Balance : {$18.00} Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX : Balance : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$9300.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$5200.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$460.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$990.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have been double charged for more then two months and had my bank account closed twice from overdraft fees because after I transfer or spend money out of cash app it holds money in pending and double take the money charging me the amount twice. Ive went to my bank several times and also cashapp.i was told the problem was fixed thats the only reason I continued service just to have double charges again
Product: Checking or savings account

XX/XX/ a check I write out for rent and mailed was stolen. I filed a claim that date and it has yet to be resolved. Each time I call I get a new resolution timeline and an update that continues to push out the decision date. This has taken way longer than they told me. I submitted all necessary documentation. US Bank has stated they are under staffed with check fraud cases at an all time high but I feel that isnt my fault. This is horrible to the consumer and this needs to be investigated. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and Transunion should not be reporting a collection/charge off in the amount of {$410.00} on the JPMCB partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and each bureau is reporting different dates of last activity! Also, the bureaus are not reporting this account as in dispute. This account in fact is in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.
Product: Credit card or prepaid card

This is a followup to my COMPLAINT # XXXX ( BOTH CREDIT CARD ACCOUNT NUMBERS ENDING IN XXXX and XXXX ). In the previous complaint, I detailed my reasons for late-payments and Chase still refused to re-instate my credit cards. So now I am giving this another try due to the hardship on my business, me, and my family caused by Covid-19.

In the original complaint, I was then told that the system/computers makes the decision and there is nothing they can do and then I asked to speak to a human, a supervisor, who could make a decision after hearing all of the facts ; the supervisor gets on the phone and basically says the same thing about the system and management is free to do whatever they want with the account and the
decision is final. I also offered to make a payment if they reopened at least one of the accounts and they refused. These were life-changing events and I was not able to handle these issues while helping my daughter and then covid-19 has made things worse for me as a 100 % XXXX XXXX.

After 40 yrs in XXXX, we are the only XXXX XXXX XXXX in the US ; Covid-19 almost forced us out of XXXX ; fortunately, we now XXXX XXXX XXXX XXXX for a large Georgia hospital. To maintain traction/expand we need $  XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( we have approx. XXXX XXXX ). We are located in a XXXX & XXXX XXXX. 
Due to other hardships ( XXXX XXXX fraud & a daughter who recently became XXXX XXXX ), Chase canceled my XXXX credit cards due to late payments ; I have tried everything to get them reinstated including filing Consumer Fin'l Protection Bureau complaints ; Chase refused to reinstate them because the excuses were not good enough. 

Chase Card Services was very rude and insensitive especially telling me that they can close my accounts for any reason and/or at anytime. My problem with this is first they did not know all of the facts and second, they may have closed the account for the wrong reason. So now I am asking to have my case reconsidered so that at least one of  my credit cards ( preferably Amazon ) or both can be reinstated because I need them for XXXX to help me continue to build traction towards XXXX XXXX for one of the largest hospitals in Georgia. 

As a XXXX-owned XXXX it is hard enough to get affordable working capital and to not have credit card privileges is devastating especially considering I have legitimate reasons for why I could not make payments on time. We are saving lives with our 100 % made in the USA XXXX XXXX. 

Please reconsider my request to reinstate my credit cards.
Product: Mortgage

Lakeview XXXX XXXX XXXX Lakeview XXXX XXXX XXXX bought my mortgage on XX/XX/XXXX from XXXX XXXX  / XXXX  I did not receive any notification and XXXX  XXXX  auto drafted XXXX and XXXX payments. 

I received a certified letter from Lakeview / XXXX XXXX  that my mortgage is in default and will start foreclosure process on Late XXXX and that is when I realized my mortgage was transferred. 

I then called XXXX XXXX and they told me this is a common practice and both of my payments, XXXX and XXXX had already forwarded to Lakeview / XXXX XXXX. 

I called loan care and they acknowledged the problem and they said it will be fixed within 24 hrs to 48 hrs. I was also told that I will receive a phone call from them.

They again and again failed to notify me. Each time they give me different deadlines when I call back. First was XXXX. Then now XX/XX/XXXX. 

They acknowledged that they didnt meet the time requirment. 

XXXX payment was due XXXX with a grace period of 15 days. They now want XXXX payment. I was going to make a payment but then they told me it will apply to XXXX payment. Basically they want all 3 months payments in order to apply XXXX payment. 

I feel like they are in breach of contract for not timely transferring the mortgage within 60 days and also not accurately posting my payments. 

Meanwhile my credit scores dived. I was planning on buying a new car this is not happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX Balance Owed : {$9500.00} ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. I sent this company a letter certified with tracking number XXXX XXXX XXXX XXXX XXXX requesting validation of debt and HIPAA authorization and requesting that they delete this account off my credit report.
Product: Mortgage

I want to report Selene Finance for unethical business practices. I struggled to pay my mortgage and I reached out to selene to complete a modicification due to slow down in me finding work. I completed all the forms. They kept asking for more information ( ie, we need another paystub ). I gave them the last paystub I had to give because I havent worked since then. they still kept asking for paystubs and held up the loan modification application. I decided to sell the house, which I did to XXXX around XX/XX/XXXX for XXXX. I owed about XXXX on my Selene Finance Mortgage. They were in contact with me and XXXX  reps because they needed to fax them the payoff paperwork beganing around XX/XX/XXXX. This process began XXXX weeks prior to the closing date of the sale. Selene Finance would be paid first, then XXXX, the XXXX XXXX Brokers and then I would get the proceeds left over. Instead of doing the right thing, XXXX filed a foreclosure notice on XX/XX/XXXX, XXXX business days prior to the closing date of XX/XX/XXXX. I was informed of this when I noticed my funds for the closing were not wired on XX/XX/XXXX. It was because the attorney for XXXX saw the foreclosure on the title. That meant they needed a new payoff, since XXXX would pad more fees on what was owed to them. Then I would have to sign new forms confirming the proceeds. Not only did this hold up the closing, now I have a negative mark on my credit, which will not only impact my ability to get a new place to live but possible a new job as well. Selene Finance was XXXX  in their actions. They knew in good faith they were about to get ALL the money owed on that house and be able to close out the mortgage all together. However, they chose to be unethical and put the home in foreclosure XXXX days before they knew I would be closing on the sale of the home. I want a FULL investigation done on this matter.
Product: Debt collection

XX/XX/XXXX2024 noticed a utility bill collection for {$61.00} on my credit report. I disputed it as not mine -- it was removed by XX/XX/XXXX 2024. The same collection showed up again in XX/XX/XXXX2025 on XXXX. I disputed it as not my debt, but it is not removed. 

The collection company sent me a journal of all my payment history with the utility company. Everything always paid on time except a final entry in late XX/XX/XXXX2021 showing {$61.00} not paid. The collection company 's letter contains a utility account number that does not match my former account number. 

I moved from the address in XX/XX/XXXX 2021 ( sold home ) and asked the utility company for a final reading and final bill. They did ( copies attached ) for a XXXX XXXX '' of {$16.00} f or which I paid in XX/XX/XXXX2021 to close the account ; utility company sent me an email receipt ( attached ). 

I filed a dispute with XXXX then the collection company started contacting me. This is not my debt evidenced by my final bill payment with receipt and the account numbers on the collection do not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXRT XXXX
Product: Credit reporting

This company did a background check on me and committed a very serious error by placing in the report information that does not belong to me ; that is, the information is not about me and it is adversely affecting me personally and professionally. I have a clean record, with no problems whatsoever. Therefore, I am asking you to help me find out why this serious error was made and to resolve this problem as soon as possible, since it is harming my present and future prospects. For example, the XXXX company XXXX has rejected my application based on this error. 
I have a similar case regarding XXXX. I filed that claim with you all, and the case number is XXXX.
Product: Mortgage

Our mortgage is currently serviced by  PennyMac.  They have started sending us deceptive advertising, telling us to re-finance to 'save money ' despite the fact that the refinance would be at a HIGHER rate  ( 1.25 % higher ). From their email : BEFORE Refinance AFTER Refinance Current Rate : 3.25 New 30-yr Fixed Rate/APR : 4.5 / 4.558 Current Payment : {$930.00} New Payment : {$820.00} Potential Monthly Savings : $ 110.55** Potential Annual Savings : $ 1,326.56** Despite having an asterix with the following disclaimer : " *Refinancing your existing loan may result in your total finance charges being higher over the life of your loan. '' I believe their advertising is deceptive and misleading.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX - XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, provide the names and business addresses of each individual with whom you verified the above so that I may  follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

Rocket Mortgage Account # XXXX I escrow property tax and homeowners insurance. I changed to XXXX homeowners insurance XXXX XXXX Policy effective XXXXXXXX XXXXXXXX XXXX Annual premium sent to XXXX XX/XX/XXXX XXXX 
I had a fire loss on XXXX. I called to report the claim to XXXX and was told i do not have coverage as of XX/XX/XXXX XXXX 

From XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Rocket Mortgage showed on the rocket mortgage website for my account i had an XXXX XXXXXXXX XXXX. 
Rocket failed to notify me XXXX cancelled me home owners policy resulting in an uninsured loss on my property at XXXX XXXX XXXX XXXX, XXXX GA XXXX. 

XXXX has now placed insurance on my home effective XXXX XXXX  present.This policy does not cover personal property nor temporary housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent out letters to Equifax regarding inaccurate and unknown inquiries on my credit report to this day over 60 days later I have not received a response I feel like I'm being taken advantage of and being ignored section 611 ( a ) it's plainly stated a failure to investigate within 30 days gives reason for immediate removal. FCRA USC 1681 ( b ) a consumer reporting agencies can only report with the written instruction of the consumer. No consent by definition is identity theft I was also impacted by the Equifax breach I'm afraid my information my have gotten into the wrong hands if items are not removed I will have to seek litigation
Product: Credit card or prepaid card

Since I received this unsolicited credit credit card I have routinely paid my balance each month and never accrued interest, despite continued problems with the credit card applying my payments incorrectly. 

I responded to an offer to transfer almost {$1000.00} that would not be subject to interest or minimum payments and since that time the company has continued to try to find ways to get out of this agreement and get me to pay this off. 

Recently, ( for the fifth or sixth time ) I complained and they agreed to place the amount - around {$980.00} - back into the suspended/promotional balance. they failed to do so. 

Shortly thereafter, for the third time, they allowed several XXXX dollars in fraudulent charges on my card and I had to get a new card. In the process of fixing this problem and transferring the balance to my new card, they once again took the promotional balance and added it to the regular balance, increasing the " amount due '' by almost {$1000.00}. They have since charged me interest on this amount. 

I have had over a dozen conversations and filed written complaints that go unanswered. They have responded by punishing me and reducing my credit limit from {$14000.00} to below {$6000.00}.
Product: Debt collection

Submitted a BBB Complaint on XX/XX/2017 for Debt Validation to J.H. Portfolio Debt Equities LLC and was forwarded to the business the same day on XX/XX/2017. The company did not respond until XX/XX/2017 and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ), the company can not report my account to credit reporting agencies until the debt validation is provided. J.H. reported this account to XXXX and XXXX on XX/XX/2017. The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came across a report on my XXXX XXXX account that a company had open a collection account on XXXX bureau on my name that I never heard from or known of. The agency name is XXXX XXXX:XXXX XXXX XXXX, XXXX , PA XXXX which is the creditor which is put the fraudulent information. The report have a certain XXXX XXXX XXXX XXXX. as original creditor. I have never visit an office or emergency room on that name nor know of the existence of a practice like that. those fraudster use my name to create that account on XX/XX/2018. And posted an amount of {$640.00} owe to them. I would like to know how they got my information and create that account.
Product: Credit reporting or other personal consumer reports

Issue # XXXX : In XX/XX/year>, I called XXXX to inform them I was having difficulty making my credit card payments for Acct ending in # XXXX and Acct ending in # XXXX, due to an unforeseen family crisis. We reached an agreement and on XX/XX/year> I received two Confirmation Repayment Plan letters from XXXX for both accounts which stated a monthly payment of {$110.00} for Acct # XXXX and {$130.00} for Acct # XXXX. I paid the following amounts on time per our agreement : XXXX Ending in XXXX XX/XX/year> {$110.00} Reference Number : XXXX XX/XX/year> {$110.00} Reference Number : XXXX XX/XX/year> {$110.00} Reference Number : XXXXXXXX XXXX  Ending in XXXX XX/XX/year> {$130.00} Reference Number : XXXX XX/XX/year> {$130.00} Reference Number : XXXX XX/XX/year> {$130.00} Reference Number : XXXX XXXX is now telling me that even though they verified via phone I made my payments on time, they have the discretion to fraudulently report to the credit bureaus that my payments were late due to the payment agreement I accepted. I honored my part but they refuse to honor theirs and this has caused me issues on my credit report. 

Issue # XXXX : XXXX does not allow customers to set up RECURRING monthly payments via phone OR online. XXXX 's online UI " Set Up a Recurring Payment '' section first automatically FORCES a customer to make a monthly payment FIRST by enabling the 'Make a Payment ' option and inserting today 's date or another date through the end of the current month with NO way to deselect that option to not make a Payment. Then when you navigate to the 'Set up a Recurring Payment ' Option below, the dropdown only allows you to select " the XXXX of the month, the XXXX of the month, the XXXX of the month etc. vs. a specific date the recurring monthly payments should start on. What this does is allow XXXX to collect DOUBLE payments for the current month, and if you do not want to make a double payment you can not set up a recurring monthly payment. This happened to me with both cards above over the XXXX  of 2023 and I was not able to get groceries for the children for XXXX week because I had not agreed to make a double payment for both cards and when I called XXXX then they said there is nothing they could do. Nearly 1 year later the problem still exists, causing financial distress for their customers. Lastly, if you can't set up recurring monthly payments XXXX will be happy to collect late fees.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX Balance : {$0.00}