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

I am writing to formally file a complaint regarding an unlawful practice that is currently taking place with Transunion, XXXX of the major credit reporting agencies. Despite clear consumer protections under federal law, Transunion continues to report a medical bill on my credit report, which is not only unjust but also illegal. This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( XXXX ), both of which safeguard consumers like me from the unlawful inclusion of medical debts on credit reports. 

First and foremost, the FCRA explicitly protects consumers from the harmful inclusion of medical debts on credit reports unless certain conditions are met. Specifically, under Section 605 ( a ) ( 6 ) of the FCRA, medical debt can not appear on a credit report unless the debt is more than XXXX days old. Furthermore, XXXX mandates that all personal health information, including medical debt, must be kept confidential and can not be used for credit reporting purposes. 

Transunion 's blatant disregard for these fundamental laws is deeply concerning and unacceptable. I demand immediate action be taken to remove the unlawful medical account from my credit report. It is outrageous that a credit bureau, entrusted with sensitive financial data, would fail to adhere to consumer protection laws and jeopardize my financial standing. 


account information : XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX PHYSICIAN Balance {$1000.00}
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I was told them I didn't have any account with them .they call me every day and they want reported me to credit office
Product: Checking or savings account

Had automatic monthly withdrawal set up from Marcus by Goldman-Sachs to pay my mortgage. Had sufficient funds for these transactions and had no issues with automatic withdrawals for 6 months. In XX/XX/2023, Marcus account was locked due to an internal fraud review with no contact made to me prior to or after this. I was unaware until I received notice from my mortgage lender that my account was XXXX. Marcus reversed my ACH payment to my mortgage lender 3 days after the payment was made. Upon finding out ; I verified my external accounts with Marcus to satisfy their review and was able to make a payment in XXXX and XXXX. The same situation then occurred again in XX/XX/XXXX, with Marcus reversing my mortgage payment 3 days after it was initially made. I was given no indication why I needed a second verification of the same accounts that had been verified in XXXX. My account remains locked and they were unable to resolve my issue or connect me with anyone to help resolve this tonight. I have had no formal contact from Marcus regarding these matters - no letters, no phone calls, no emails, which is entirely unacceptable.
Product: Mortgage

Select Portfolio Servicing has yet to respond to this complaint. XXXX OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2018. They continue with Forced Placed Insurance on a property they do not have a security interest in according to the legal deed and mortgage documents. I continue to dispute any and all charges by Select Portfolio Servicing.
Product: Credit card

Chase credit card automatically allows credit card spending to go over the credit limit. I did not sign up for this feature or did I have the ability to utilize the website or all to remove this option. Once I went over the credit limit my account was frozen because I was forced to pay off the debt to unfreeze the account. Essentially this is a marketing deception of zero APR credit cards to allow a credit limit but not allow credit limit protections so when the amount is breached that the credit card declines any purchases that go over the credit limit. Thus when I breached the credit limit that the payment was allowed but it shouldnt have allowed this thus my account was frozen and I was forced to pay debt to unfreeze the account as a conflict of zero APR period credit cards being a fraudulent marketing deception when credit limit protections do not exist on the initial purchases but deceived those that believe that the credit limit is a true limit and that another over the limit should be declined thus a marketing scam when I am forced to pay on zero APR to unfreeze the account when I could have an unfrozen account without needing to pay down any debt immediately as a credit card scam. I was told you can only call in to remove this option and that I could not do so while the account was frozen as they could not unfreeze until the debt was covered above the limit. This essentially creates a cover charge as a hidden fee to zero APR credit cards and should be illegal as a concern for hidden fees and obligation to pay debt down immediately.
Product: Debt collection

I have attempted to contact Security Credit Services for the past 4 weeks now and have been unsuccessful. When I call them, it rings for a few times and then their system sends me to leave a voice message. I have left them over 8 voice messages on different days and weeks and they never reach back out to me. 

The original debt was fraudulent and belonged to a company called XXXX. I previously submitted a dispute and they removed it from my credit report. However, I recently noticed that they put it back on my credit report back in XX/XX/2023, under Security Credit Services, which appears to be a Collection Agency. 

I have tried to contact this agency for weeks and they are unwilling to talk to me. I can't get information on the debt, nor pay it because they are ignoring all my calls. Below is the contact information they left on my credit profile. 

SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX I am a long time customer and I am writing you because I just received XXXX packages via US Mail one with a trial period for HAMP because I am behind one month on my home mortgage. This is the one home I own and live in with my XXXX sons. I 've heard horror stories about getting into HAMP then at the end of the trial period get denied and then I must pay the difference right away to then avoid foreclosure. I work for the XXXX and really need your help with this matter, yes we are the little guys but we are your customers that do n't want to be left out in the streets with their children. My hardship began with my divorce as she quit claim the home to me, and I 've raised XXXX my sons on my own, then just recently in XXXX my grandmother passed away and we all had to help with the funeral payments. I was working 10 months a year because I work for the XXXX, but now they finally gave me 12 months employment, which I 'm thankful and grateful. I will consult with my attorney whether he advices me to do the HAMP and I will then let Wells Fargo know. I 'd like to catch up so that I could be current, I just need to know the exact amount which is the month of XXXX and now on the XXXX the month of XXXX. I will pay XXXX at the XX/XX/XXXX. Most of my family have accounts with Wells Fargo and I am begging for your help and attention to this matter, I do n't want to be left homeless with my XXXX sons. My home preservation agent is
Product: Credit reporting or other personal consumer reports

It was a data breach and my information was compromised
Product: Mortgage

No logical/reasonable reply from Ditech Financial in the last more than 20 weeks has forced me to approach you to get my grievance heard. The detail as follows - My mortgage loan was approved with XXXX XXXX and the first installment started from XXXX/XXXX/XXXX. Everything was going on smoothly till XXXX transferred my account to Ditech Financial in XX/XX/XXXX. In the letter regarding this transfer it was clearly mentioned that there will be no change in my Terms and Conditions with the change of Financial Institution. 

But, from the bill dated XXXX/XXXX/XXXX of Ditech, the payable Principal and Interest do not match. The same was reported to Ditech representative XXXX XXXX ( ID # XXXX ) on XXXX/XXXX/XXXX @ XXXX. She told me that the difference is there and she is referring my case to her manager and I will get a reply within 7 days. 

After getting no reply from Ditech, I filed my complaint online ( which is now removed by the Ditech from the website ). On XXXX/XXXX/XXXX, Ditech replied with some copies of reports explaining that principal and interest portion of the monthly payment is correct. In one of the report, they mentioned deduction under 'Prin Only ENC '. The same was the difference in the payable Principal and Interest amount every month. This amount was never deducted by XXXX ( previous loan provider ). I have prepared an excel sheet clearly showing the same. The same is attached for your perusal. 

Ditech breached the contract by charging this illegal amount every month. This illegal per month amount of around {$1.00} will become {$150.00} by the time I clear my loan. 

After that, every day I received one letter from Ditech informing me that 'Our research has not concluded. The purpose of this letter is to notify you of our ongoing investigation in an effort to provide you with a resolution '. 

On XXXX/XXXX/XXXX, XXXX XXXX, Ditech told me that she is not able to view those documents, so, I should call after 72 hours. 

On XXXX/XXXX/XXXX XXXX XXXX ( XXXX, FL ), Ditech told me that the dispute was closed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I filed my complaint again thru fax and received an acknowledgement dated XXXX/XXXX/XXXX mentioning that I will receive a written response with thirty ( 30 ) days. 

After getting no reply from Ditech, I sent a reminder message thru fax on XXXX/XXXX/XXXX and received an acknowledgement dated XXXX/XXXX/XXXX mentioning that I will receive a written response with thirty ( 30 ) days. 

Throughout this correspondence, Ditech never issued a complaint number which can be referred to in future correspondence. 

The deduction of any amount under 'Prin Only ENC ' is completely illegal. Ditech also failed to provide the full description of 'Prin Only ENC '. 

All the documents related to this complaint are attached.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccuracies found on my credit report. The discrepancies involve inconsistent Date of Last Activity, Unknown Collection Agency, Unauthorized inquiry, and incorrect account information such as address.

The inaccurate information is negatively impacting my credit score and financial well-being. I request that the CFPB intervene and assist in resolving this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ) has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am trying to contact Experian. 
They have the incorrect phone number for me. 
They require a code that they text to the phone number on file to log in. 
I have called their numerous phone numbers. 
There is no option to change my information. 
Their automated system will not connect you to a live agent. 
There is no way for me to log in. 
There is no way for me to speak to an actual person. 
I am unable to change my own phone number that they have on file incorrectly, preventing me from accessing my own account. 

The fact that there is absolutely no means to speak to an actual human being, either by phone, or online is insane. I am completely locked out of being able to access my account due to their error and lack of any options that will allow me to make a change to my personal information. 

Being forced to use the postal service to communicate with a credit bureau in the digital age is unacceptable given the speed and frequency of data breaches that lead to fraud and Identity theft. We are given no choice under the current systems of whether or not we agree to work with these credit companies. The least they could do is attempt to work with us on the most basic levels, such as providing customer support that is accessible and able to provide assistance beyond pre-set options in an automated menu.
Product: Debt collection

A balance was transferred into my name although it is knowledge of the company that the account was not opened by or did not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Balances seem to be fine and then when transactions go through there are overdraft fees regularly.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Chapter XXXX Bankruptcy Reporting To Whom It May Concern, I am writing to formally dispute the Chapter XXXX bankruptcy entry listed on my credit report. The details of the entry are as follows : Reference Number : XXXX Date Filed : XX/XX/year> Classification : Bankruptcy Type : Chapter XXXX Bankruptcy Responsibility : Joint Asset Amount : {$0.00} Basis for Dispute : Upon reviewing my credit report, I believe that there may be inaccuracies regarding this bankruptcy entry that could be adversely affecting my credit score. Specifically : 1. Joint Responsibility : I would like to clarify the nature of the responsibility associated with this bankruptcy. If there are errors related to joint responsibility or other details that inaccurately represent my liability, I request verification of this information.

2. Discharged Status : While the bankruptcy was filed, it was discharged on the same date, and I want to ensure that this information is accurately reflected in my credit report. It should indicate that there are no outstanding balances associated with this bankruptcy, as the asset amount is recorded as {$0.00}.

3. Impact on Credit Score : Given that this entry is present on my credit report, it may have a significant negative impact on my credit score. I request a thorough investigation into this matter to ensure that my credit report is accurate and fair.

Requested Action : I request that you investigate this matter and correct any inaccuracies related to the Chapter XXXX bankruptcy entry on my credit report. Please provide me with documentation verifying the details of this bankruptcy, including any relevant judgments or rulings from the court. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you complete your investigation and respond to my dispute within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

I have received several calls from this group in the past until I filled complaints. They did stop for some time, but they are back at it again now. I am getting a voice mail saying that they have a bad check with my name on it and I need to contact them immediately. This is not possible. The name of the company that is calling is Premier Portfolio Group and the call back number is XXXX.
Product: Mortgage

new rez / loancare is trying to charge me for a home owners insurance gap which is not true. They already charged my payment towards the escrow for ins and edcrow instead of towards principal for XXXX, I should be credited back. 
Some dates are not specific because I expected this to be resolved quickly so I never recorded dates. The mortgage companies chaged from di-tec to loancare to newrez. 
My insurance company amfam which the insurance was carried, was sending the declaration to XXXX XXXX XXXX former mortgage co by mistake. ( I switched ins companies now ) They never updated the proof of insurance to send to loan care, but the insurance was still up to date on the home. Then in XX/XX/XXXX I started receiving letters from loancare for me to show proof of insurance ( XXXX ). I then started sending many copies of the declaration doc to Loancare and they would take days to get back to me and still did not accept the proof. I made a call in XXXX ( because the declaration proof kept being rejected ) to a rep at loancare but she did not resolve the issue and stated she would contact am fam ( the insurance at the time of the supposed gap ), never heard anything, received more letters from loan care, sent the declaration page and they still wont accept it. 
Today XX/XX/XXXX received a letter from new rez which is one of the XXXX companies once for my current mortgage. 
They are trying to start an escrow for home owners insurance purchased through them and charging me more each month, when my insurance was covering the home with no gaps between amfam and state farm ( new ). 
The amount is {$790.00} in question from new rez, but loancare states the premium is {$400.00}, not sure why a difference? 
The insurance gap they claim is XXXX XX/XX/XXXX which was under am fam. I now use state farm which I started XX/XX/XXXX, and they show it as effective XX/XX/XXXX on loancare web site now, because they accepted the current state farm policybut mot thr gap from an fam. They just dont want to accept the declaration page from amfam that shows continuing coverage from XX/XX/XXXX XXXX. 
XXXX was the site that I uploaded declaration pages. 
Please let me know if you need anything else from me. 
Thanks
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX through Comenity Capital Bank, which is part of Bread Financial. Their website is inaccessible, supposedly due to a system update. I called and the recording said no phone representatives were available to access accounts, also due to a system update. With the website and phone down they've left no avenue at all to make a payment. There is also no end date or time listed for the end of the update or estimate about when they are going to be back online. 

They have supposedly been updating the system for about a week, but this is highly unusual. I am the lead XXXX XXXX for my company and have led different types of systems updates at my current company and in previous experiences. This is not what an update should look like. Additionally, even if their tech stack were down, that should not impact the ability for costumer representatives to take down account numbers and respective concerns in a temporary note taking app when people 's financial health is on the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with the way that XXXX XXXX XXXX is reporting my status on an active auto loan. I ran into a temporary financial issue at the end of XXXX that led to my loan being late for a few months. And as a result, my account did report late. I later recovered and caught the account back up by XX/XX/XXXX. The problems with the reported account status started, once the account was brought current again. As previously stated, my account was brought current again in XXXX. However, they did not update my account as current again until the month of XXXX. And since that time, I have continued to make on-time payments each month, but XXXX XXXX has only updated the payment history of this account through XXXX. I have now made eight on-time payments to XXXX XXXX since XXXX. However, XXXX XXXX continues to report that the account was still late in XXXX and XXXX, when it was not. And furthermore, the only way I can recover from the late payments with my credit score, is by re-establishing my good payment history. But XXXX XXXX just doesn't report them. I am now eight months removed from my last late payment, but on my credit report, XXXX XXXX is reporting that I am only two months removed from the last late. By erroneously reporting lates in XXXX and XXXX, combined with not reporting any additional payment history on the account since XXXX, it appears that my account was late just two months ago. Again, this account has been current for eight months now. XXXX XXXX was really quick to report my account when it was late. But for whatever reason, they now refuse to update my account properly.
Product: Credit reporting or other personal consumer reports

Please ensure the accuracy and precision of these customer record items. Misinformation of this nature is extremely harmful to my current credit record. Kindly verify that all related information is 100 % accurate and appropriate : XXXX XXXX XXXX XXXX : {$2200.00} XXXX  XXXX Balance Owed : {$2200.00}. If you can not prove this information to be 100 % accurate, please update it immediately. Thank you.