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

On XX/XX/23, I pulled my Trans Union credit report and noticed an unauthorized inquiry from XXXX XXXX. I am writing to complaint on XXXX XXXXXXXX because they have to permissible purpose to pull my credit report and I am concerned with the violation of privacy and the Fair Credit Reporting Act. I do not have an account with XXXX XXXX and therefore they have no right to the information contained in my credit report, I also have not applied for any of their products that would've triggered this pull. 

Trans Union is allowing for companies to pull my report with no permissible purposes. 

Attached is a screenshot of their pull on XX/XX/23 from Trans Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope this disputed account is updated. 

XXXX XXXX XXXXXXXX Balance : {$27000.00}.
Product: Checking or savings account

Hello, my name is XXXX. i have been going back and forth with XXXX XXXX Regarding unauthorized inquiries and accounts on my report that I didn't authorize nor open. These inquiries and accounts are preventing me from opening any new bank accounts. I have submitted multiple FTC complaints and gave received no help or solutions. We are on the verge of filing a lawsuit against for the violation of consumer act for reporting inaccurate accounts on my XXXX XXXX report. This is total XXXX and I have been sending back to back letters with my attorneys. The accounts are as follows : BANK OF AMERICA GEORGIA ( account XXXX ), XXXX XXXX XXXX XXXX account number : XXXX ), XXXX XXXX XXXX ( account XXXX ), XXXX XXXX XXXX XXXX ( account number : : XXXX ), XXXX XXXX XXXX XXXX ( account number : XXXX ), : XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX XXXX ( account number : XXXX ), as well as the following inquiries : XXXX XXXX ( XX/XX/19 ) and XXXX XXXX ( XX/XX/19 ). 
I will be pursuing litigation against them for fraud pain suffering!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, We have a VA loan with PennyMac Loan services. In XX/XX/XXXXwe knew we would have difficulties paying the monthly payment in full. We called PennyMac to let them know it would be late. They recommended we do a loan modification. After lots of questions, we agreed. We were told to take XX/XX/XXXX and XX/XX/XXXX and not pay the mortgage while the reviewed and prepared for our 3 trial payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). We were told all of it would be reported to the credit bureau as a part of the loan modification process and be grayed out, not impacting it negatively. 

However, when we went to get a new home loan we say that XX/XX/XXXX-XX/XX/XXXX were included but not XX/XX/XXXX. Therefore, XX/XX/XXXX displayed a 90+ day late amount. As a military family moving to a rural area with limited rental options, we panicked and called the company to resolve the issue. 

We were informed they wouldn't fix it as nothing was misreported. So we submitted a complaint to the XXXX which finally got them to call us and investigate. We were sure after listening to the recording that they would amend the issue and include XX/XX/XXXX in the process, as we were told, and XX/XX/XXXXwould be corrected ( as we DID make the payment that month ). However, the young lady investigating informed us she found no evidence of anything being said in the recording. We asked if we could simply be given a one time courtesy forgiveness and change. We were told they be we do that under any circumstances ( which we know to be false ). 

After more discussion, we contacted her directly and requested the transcript from the conversation to review and see if we could locate where we were told to not make XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX payments. However, despite several attempts to reach her, the Penny Mac representative has refused to return our calls. 

We firmly stand by the fact we were told to take XX/XX/XXXX and XX/XX/XXXX to not make payments. Had we known we needed to make them, we would have. While they included XX/XX/XXXXthey still refuse to amend this to include XX/XX/XXXX.
Product: Mortgage

My loan was purchased by Mr. Cooper from XXXX XXXX in XXXX of this year. Little information was relayed to me about this transition, but I did get my account set up and autopayments were made in XXXX and XXXX on my account. Sometime in XXXX, they added a message in my account about autopay being turned off if I did not confirm it ( again? ) - this was not in a message center, but instead buried under statements -> miscellaneous documents. As a result, I did not make a payment in XXXX or XXXX. When I discovered the issue I talked to them and made a single payment, but their system would not allow me to set up autopay for " XXXX hours '' - I logged back into the system to set it up and that option was not available for several days. After setting up auto-pay I saw that my monthly mortgage amount had changed. This took another call to Mr. Cooper to find an obscure separate area for communication ( Again NOT located in the message center ) to find an " escrow analysis '' that had lowered my payment. I am in statistics and could tell that the analysis was incorrect and had me severely underpaying. Sure enough, I also discovered, through another obscure area of the site that they had inappropriately issued a check for overage to my escrow account that did not factually exist. This prompted them to need to apply this to my account which means I have to, yet again, turn off auto-pay and remember to come back in XXXX months to pay the difference in my XXXX payment and then AGAIN later in the month to reinstate autopay. I also found that they had discovered their issue with the escrow account analysis and although my payment had been $ XXXX up until XX/XX/2023, dropped to {$980.00} for XX/XX/2023 on, another escrow analysis has it increased to almost {$1400.00} in XX/XX/2023. This company has made it almost impossible to just simply pay my mortgage - canceling auto-pay, sending messages in obscure areas of their site ( with no link to the centralized message area ), and putting changes/policies in place that mean I have to constantly log in to manipulate options for payment. I have never been late on a mortgage payment in my life until Mr. Cooper and am facing additional months of constant manual and active requirement to jump through their hoops to simply pay it. A monthly payment swing of almost $ XXXX based on their poor planning is also not reasonable for a customer, especially with little to no communication. With loan % rates, it's not reasonable for me to refinance at this time, but it's completely unacceptable that Mr. Cooper can continue to operate this way legally.
Product: Debt collection

Midland credit company made repeated calls before XXXX and even after XXXX. From XX/XX/XXXX on through XX/XX/XXXX throughout these times. They would call upwards of XXXX times a day. Being very harassing. They did not have and do not have all documentation on this account and could not prove the debt is or does belong to me. I have requested proof of verification of the debt proving it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint on XX/XX/XXXX, ( COMPLAINT ID XXXX ) against TransUnion. My credit score continues to drop around the first of every month without any explanation for the drop, when the other scores from the other two credit bureau continue to go up, TransUnion score decreases for no apparent reason, here is a history of my score since XXXX XXXX. The fluctuation in my credit score with TransUnion started XXXX, XXXX. On XXXX my credit score drop from XXXX to XXXX a 30 point drop. My credit score increased to XXXX on XXXX. XXXXI made my complaint with CFPB on XX/XX/XXXX, and my credit score increased on XX/XX/XXXX by 33 points to XXXX. I thought I had everything fixed until I checked my score again and it had decreased again on XX/XX/XXXX. by an additional 34 point. It appears I had lost some additional point from XX/XX/XXXX XXXX XXXX, from XXXX on XX/XX/XXXX, to XXXX on XX/XX/XXXX. After making a called to XXXX on XX/XX/XXXX. and being told I had duplicates credit reports my credit score went up 38 points on XX/XX/XXXX. to XXXX, it went up an additional 17 points on XX/XX/XXXX. to XXXX. It drop 4 points on XX/XX/XXXX. to XXXX. This is the problem, on XX/XX/XXXX, my score drop 69 points to XXXX for no apparent reason. The other credit bureau increase my score by 4 points on XX/XX/XXXX. Something is seriously wrong with TransUnion reporting model. I spoke with a customer service agent and her supervisor today, neither was able to explain the reason for the drop. The supervisor XXXX XXXX XXXX instructed me to write you all for help again. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with cavalry was settled in XXXX add I reached out to them a few times and they told me about it takes 30 days to have removed off about credit report it has been over 60 days and they are still reporting to XXXX XXXX that it's an open account
Product: Vehicle loan or lease

My beloved wife XXXX and I co-signers on the car loan have sent dozens and dozens of emails and made dozens of telephone calls and written letters to the President and other high senior officers of the Bank of America to lower our monthly car loan payments form {$770.00} to {$500.00} because of the novel coronavirus pandemic that makes it impossible for us as senior citizens with very serious medical contains to work! In fact, XXXX had to quit her job of 16 years. Yet not one single solitary word back from the President of the Bank of America or the other high senior executives nor any other single solitary word back written or oral to permit us to pay {$500.00} per month! 

This is now our NINETH ( 9TH ) complaint to the Consumer Financial Protection Bureau. 

The Bank of America still after all these months of our complaints to the CFPB says it is not yet ready to answer us! 

Are we now to file 500 or 10,000 more complaints?

Send 200 more emails and 500 more letters and make 1,000 more telephone calls before this one of the very largest banks in the entire world answer us? 

Apparently so! 

The Bank of America is being obscene here! 

Totally and completely brutally cruel to us! 

Call it age discrimination which it is! 

Call it total disregard of the novel coronavirus pandemic which it is! 

Call it criminal which it is!
Product: Bank account or service

I closed my home equity line a month ago. I went to the local branch in XXXX XXXX Florida and signed all the papers to close the loan and paid it off at that time. There was certainly no issue to cash my check. Bank of America is now send letters to me and threatening to charge me {$1000.00} for flood insurance on a loan I no longer have.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices which violates the consumer protection Act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable that Im protected furthermore their dispute resolution process was unfair and deceptive as they did not comply error resolution under the Electronic Fund Transfer ACT ( EFTA ) and Regulation E these actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I've reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on this account that I have provided a picture of inside this complaint in on date of XXXX/2024. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you in advance! Please see screenshot attached.
Product: Credit card

I received a letter from Chase bank stated that company will close my checking account ( with them for the last 32 years ) and all my credit cards connected to chase. I called the XXXX number and the customer service said that they have the right to close my account as much that I have the right to close my account. I went to the nearest chase bank along XXXX XXXX XXXX XXXXXXXX XXXX XXXX and they stated that they don't have the specifiec answer why chase is closing my account.
Product: Debt collection

I just got a bill in the mail saying I owe money to merchant XXXX XXXX, seller XXXX XXXX XXXX XXXX, original creditor XXXX XXXX XXXX XXXX and creditor to whom debt is owed Portfolio Recovery Associates, LLC balance said to owe XXXX. I have no clue what this is and I know I don't owe this I have never had a credit card ever I didn't want the issues that come from having a credit card and if this is a medical debt of some sort I am on Medicaid insurance thru XXXX XXXX XXXX XXXX. The account number for all of this is XXXX Last four of my social XXXX Birthdate XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. After a careful review of my credit report it has come to my attention that there are several inaccurate listings contained in my credit report. The information for these Accounts appears to be incorrect, and I am requesting that you investigate the matter in accordance with the FCRA, XXXX XXXX. The law requires that consumer reporting agencies investigate disputes within 30 days of receipt of this notice, and that they delete or correct any information that is found to be inaccurate or unverifiable as soon as possible. 

Account Name/Issuer : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name/Issuer : XXXX XXXX  XXXX/ Account Number XXXX XXXX Account Name/Issuer : XXXX XXXX  / Account Number : XXXX Account Name/Issuer : XXXX XXXX XXXX XXXX / Account Number : XXXX Account Name/Issuer : XXXX  / Account Number : XXXX
Product: Prepaid card

Money being taking off my card without permission from me .. and unauthorised payments being made with out my consent
Product: Credit reporting or other personal consumer reports

My name and Social Security number were used to open a credit card in my name and it was not me! They opened it in XX/XX/XXXX and I was not notified by Chase. The charged over {$20000.00} and then closed the account in XX/XX/XXXX. I have contacted all 3 credit bureaus to report the identity theft and dispute all charges made to this fraudulent Chase credit card account.
Product: Credit card or prepaid card

On XX/XX/22 I spoke to two separate representatives from JP Morgan Chase Credit card services. First customer service rep ( XXXX ) at XXXX on XX/XX/22 indicated to me the following after I inquired why am I not receiving monthly statements by mail. XXXX XXXX indicated, " you do not have any new purchases that is why your not receiving statements. '' I responded although I have not used the card on a monthly basis I still have a running balance and payments are being made therefore I should be receiving a monthly statement as I do for a couple other credit cards I have where I do not use those cards regularly but have a running balance. After I stated this, XXXX indicated " XXXX XXXX monthly statements are being generated but must be lost in the mail. After I questioned her why XXXX  first indicated, " no statements is being generated because I am not using the card monthly, '' XXXX  said that was a mistake and apologized. At that point I asked to speak with a ( MOD ) XXXX on duty and was asked to hold while XXXX  transferred me. After holding I realized XXXX  just put me back in the loop to speak to another customer service rep. 
At this point I hung up and proceeded to call again where I spoke with with customer service rep XXXX XXXX XXXX who indicated to me the exact same thing as XXXX indicated above, " I am not receiving statements because I have no recent purchases. '' After I indicated to XXXX as I indicated to XXXX that if I have a running statement I should be receiving a statement. Once again I was answered with " my mistake I do see you have a balance. '' When asked if I am signed up for paper statements XXXX indicated " No, you are signed up for paperless '' but previously XXXX indicated statements are being sent to me but lost in mail. I promptly requested statements be sent via paper. 
My question is, how can I speak to XXXX representatives and basically get the same information but when I question them they turn around and tell me something totally different. 
I am asking for your assistance in resolving this matter. 

Thank you,
Product: Mortgage

On XX/XX/year>, I made and extra payment to cover ( rest of year ) the Escrow balance on my acct. 
However I noticed the {$470.00}, ( monthly Escrow ) was still showing up my monthly bill, so I called them, they said I couldn't pay my Escrow in advance. Is that true? 

The said they would send me back the check, it's been 2 months now and have not recieved the check. Why would it take so long, I've made a few calls about it and i'm not getting anywhere. They tell me the same thing that it's being sent. 

XX/XX/year> SELECT PORTFOLIO XXXX : SPS XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX ... ..this is the copy from my bank showing payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help. 

XXXX
Product: Debt collection

No verification letter has been sent. I have requested for one to be sent several times and they are refusing to send one. I informed them by law a verification letter needed to be sent to me. I was told either I will pay the settlement amount, set up a payment arrangement, or go to court. I stated that I havent received anything in writing from you all so I dont feel safe just paying money when its not validated nor any prior communication. Also, I was hung up on by the Finance manager in the midst of trying to come to settlement arrangement. I was repeatedly cut off and was given demands to pay or that there wasnt anything to discuss. I have not been provided no documentation and they seem to be trying to force me into paying un-verified/validated amounts.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX XXXX XXXX  is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, transunion. 
These companies are continuing to report derogatory marks on my credit report without consent. Also, the government closed these accounts and they are still reporting. Remove these accounts immediately. Ive sent debt validations as well as affidavits of truth and still no response in the 30 days time. Under section 3.1.1 Furnisher Incentives and Disincentives, Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary, so please remove these from my report. 



US DEPT ED {$3100.00} US DEPT ED {$690.00} US DEPT ED {$1700.00} US DEPT ED {$1700.00} US DEPT ED {$4600.00} US DEPT ED {$3300.00} US DEPT ED {$4800.00} US DEPT ED {$3100.00} US DEPT ED {$4900.00}
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX