23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage modification denied. VA representative was told the mortgage servicer stated I make too much money and is forcing me on a forbearance plan at almost double my normal mortgage payment. My normal mortgage payment is {$1800.00} and the forbearance plan offered is for {$3000.00} for 12 months. I make approximately {$4500.00} a month on average with my VA XXXX income included. Their underwriter obviously does not know how to calculate income. I have notified Senator XXXX and Congressman XXXX office of the violations as well. This has been going on for over 8 months now and they have been charging me unreasonable fees with people showing up to my front door asking me if I need their phone number. This is on top of them calling me virtually every day harassing me to make the {$3000.00} payment which I do not have.
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX XXXXXXXX customer 14 years. Inadvertently I underpaid the {$35.00} min pmt due XX/XX/24 by {$10.00} on XX/XX/24, card ending XXXX. The next statement I received for this card on XX/XX/24 stated a min pmt due of {$47.00} on XX/XX/24 including the {$10.00} underpayment. I received a XX/XX/24 letter stating my credit line on this card was reduced from {$8000.00} to {$2900.00}, evidently because I didn't pay the {$10.00} underpayment before XXXXThey also reduced my credit line on card ending XXXX from {$7500.00} to {$2100.00} on XX/XX/24. For that card I made a {$2400.00} on XX/XX/24 towards the {$44.00} min pmt due XX/XX/24 leaving a {$2000.00} bal due. To add insult to injury my Transunion cr score reduced from XXXX to XXXX and my XXXX cr score reduced from XXXX to XXXX on XX/XX/24 because of all the above. I have been grossly unfairly penalised by these abusive unreasonable actions taken by XXXX  XXXX XXXX. I ask you to help rectify these actions. I am XXXX  years of age and have never been so unfairly treated by a bank.
Product: Credit reporting or other personal consumer reports

On day XX/XX/XXXX, I looked at my report. I sent a letter to TRANSUNION on XXXX XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Product: Checking or savings account

On XX/XX/2023, I noticed that I had an XXXXXXXX  fee of XXXX after my nightly balance was XXXX in the positive. This left me with an XXXX. On XX/XX/XXXX I woke up and saw that I now had XXXX in XXXX XXXX fees. I contacted the bank immediately and they told me it was because my account was in the XXXX during processing times and after updates items that cleared and settled is what caused the fees. They then went on to show me where my XXXX was XXXX or XXXX between XX/XX/XXXX and XX/XX/XXXX. I explained each time I got a notification that my acct was in the negative I transferred funds to cover the XXXX balances, before the cutoff times and those funds were available immediately. I then went in to explain and show how my account was positive each time the fees were accessed. She refused to acknowledge said deposits or admit to any wrong doing on the banks behalf. She said as a courtesy they would waive the XXXX because I have a long banking history with them. I was not really satisfied but I didnt have the energy to continue to go back and forth over fees. The morning of XX/XX/XXXX I woke up to another XXXX in overdraft fees. I again contacted the bank and was told pretty much that even though I brought my account current fees were pending initially as well and that even though I made deposits when alerted to avoid any negative impacts they didnt really count towards some XXXX XXXX. grace period. My bank statements show each time a fee was assessed that it was in a positive standing. Granted it wasnt by lots but it was positive and I did my due diligence to ensure the acct stayed in the positive by transferring money to cover. Normally I do not fight this hard however I feel as if I am being robbed as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX  XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern, In accordance with the Fair Credit Reporting act XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 
Please have the late payments removed from XXXX. XXXX, XXXX. XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times to XXXX, equifax and XXXX  regarding this fraud. I have sent them all the documentation they require to block the fraudulent information and they have not done so within the 4 day requirement which by law states 15 US code 1681c-2 " A consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXX/XX/2020 ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Mortgage

After my mortgage was bought by Amerihome Mortgage Company, I made a payment on their site for XX/XX/XXXX and it went through fine. I then set up an auto-draft to withdraw the mortgage payment. The money was deducted from my bank account on XX/XX/XXXX and initally attributed to my mortgage. Then, on XX/XX/XXXX, the mortgage company rejected the payment, claiming an issue with the prior servicer. That money was never returned to my account or sent back to me. I've called multiple times and been given different information each time. No one at the company can explain why the payment was rejected or where the money is. I was told by a representative on XX/XX/XXXX that a check had been mailed to me with a letter dated XX/XX/XXXX. When I called back on XX/XX/XXXX after not receiving the check, I told told by someone else that no check had never been mailed. I have provided my bank statement to them showing the money was withdrawn by Amerihome from my account and never credited back.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victom of identity theft I wouldnt wish this on anyone. This has cause me much frustration and stress which has taken a major toll on my personal life. I've spent countless hours trying to work with credit card company and bank to XXXX  any issue but still this has left a negative dent to my personal credit. I even sought after a credit counselor and Identity theft agency which is very expensive. I now understand the importance of maintaining a close watch to my crefit reports. I would love to get on with my life free of negative marks on my credit reports. To have this matter clear once and for all with greatly be appreciated. These inaccuracies happened during the year of 2020 and amounts totaling more than {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Citi Bank/CBNA pulled a credit report for a credit card from XXXX. The next day on XX/XX/XXXX they pulled my credit again from XXXX for the same application. I have made several attempts to get this resolved and have had no correspondence subsequent to inquiring about it. I am attaching my reports and highlighting the inquiries for proof.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

Equifax has failed after over numerous attempts of sending a certified letter with my driver 's license and other info asked and filing complaints with the CFPB my personal information is still being reported incorrectly. Equifax has failed to fulfill its obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report. Therefore, leaving inaccurate or unverifiable accounts unresolved. My personal information was compromised in the 2017 Equifax data breach that affected XXXX XXXX people. The personal information on the credit report does not belong to me. Again, I have certified receipts of me sending this information to Equifax multiple times and the complaints on CFPB. This has caused me damages, tarnished credit report, many hardships, credit denial for credit, housing and employment just to name some. I know once Equifax responds, this case will be closed. I am seeking legal counsel at this time!
Product: Debt collection

Around XX/XX/22 I received a telephone call from a debt collector to collect a debt that I was not aware of I asked if they can send me proof well they sent me on XXXX a loan agreement promissory note followed by truth in lending that I never received ever until XX/XX/22. So I wrote them a letter for more details on this debt claimed I owe and I havent heard from them yet. This has been harming my credit badly. I also seen comments on my credit report but after I sent the letter I seen that the comments has been removed but this company remains on my consumer report. I would like this debt discharge and deleted off of my credit asap. Thank you
Product: Debt collection

At one point I did have an account at XXXX XXXX XXXX, but I completed and submitted the correct paperwork to close the membership. At that time, my account was up to date. I should have no charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX collection account with XXXX XXXX, XXXX, and Experain. All three reporting agencys are still reporting the account accurate. I send all three agencys the receipt from the medical provider Preferred Imaging showing a zero balance and the state from my insurance provide XXXX XXXX XXXX XXXX XXXX Texas.
Product: Credit card

Disputed charge XXXX 's XXXX XXXX. Credit card allowed the charge after incomplete investigation.
Product: Bank account or service

I was a victim of this Wells Fargo matter : http : XXXX XXXX Wells Fargo banker named XXXX ran my credit without my permission to open a business line of credit. As a result, a credit inquiry was charged against my credit report ( s ). I called Wells Fargo shortly after this happened, and Wells Fargo stated that they were unable to remove the unauthorized credit inquiry from my credit report ( s ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX let me have a {$200.00} secured credit card. This means its my money that is being used for the collateral. XXXX  XXXX isnt losing anything out of this arrangement. I lost my job and couldnt get through to make arrangements when I lost my job. That part is on me. When I received the total they charged me for late fees that exceeded {$150.00}. So they charged me for using my own money as credit. I can accept that. I wont accept paying that balance plus my deposit being taken and they still think I owe them late fees. I disputed it with the credit bureaus and showed proof of my payment. The final balance was {$350.00}. My original {$200.00} plus I paid another {$150.00}. That payed it in full. They are still reporting a late fee on a closed account. They closed the account. I wont pay the {$49.00} they claim I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account { XXXX } XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit card or prepaid card

My mom open a credit card added my name in XXXX. She died .she had all this credit card dept on the wells fargo card and they closed the card and wont give me a card and told me i was responsible even though she carged it. Over XXXX in charges
Product: Vehicle loan or lease

Consumer Finance Protection Bureau Complaint XXXX XXXX XXXX XXXX with First Horizon Bank 'LOST THE PAPERWORK/FILE ' FOR THE 'PERSONAL LOAN ' for a 'USED VEHICLE LOAN '. 
NO VEHICLE MEANS NO 'XXXX INCOME '.
Product: Mortgage

I have tried to modify my HELOC with Chase, which is almost 8 % interest rate. I have applied over and over ( see attachments ). Chase has told me a variety of things, all which were never true. I have a phone recording of a Chase representative being very rude and leaving too much information, some of which was wrong, on my answering machine. I have also written to the home office. But it was a Chase customer service representative that told me to file a complaint with CFPB. Many of the representatives, along with myself, could not figure why Chase would not modify a HELOC loan with a less interest rate. Now Chase wants me to file legal separation from my husband in order for them to look at my file. 

I have submitted my complaint before ( XXXX ), but did not have the attachments and after reading Chase 's response, I felt that I needed to add the attachments to clarity my stance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from Discover. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.
Product: Credit card or prepaid card

On XX/XX/XXXX i received a letter from First Progress XXXX XXXX XXXX. 

It states, " We have not received the verification documents as requested. Therefore as part of our cardholder agreement, we have had to close your credit card account. '' This part im fine with. - ( I had planned to close this account anyways before i have better offers that are unsecured cards. ) However, this part of the letter is my issue. 

" Your security deposit has been credited to your outstanding balance owed. '' You will receive a statement showing the credit for your security deposit and any outstanding balance on your credit card account. 

My card was and has been paid IN FULL since X/X/2017. I DO NOT owe this company a dime but they kept my security deposit. This is 100 % THEFT and FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. 

The referenced item was previously deleted and REINSERTED and needs to be deleted once more before I seek to take legal action. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for account listed without my expressed written consent.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/year> -- {$5000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>