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

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

I have told XXXX, XXXX, and Equifax to investigate these accounts : XXXX  XXXX : XXXX and XXXX XXXX. However, they stated everything was complete and accurate. That can not be correct, because the date opened, delinquent payments, and remaining balance are inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 802 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states that a reporting agency can not furnish an 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 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 reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.

Also they aren't in compliance with metro 2 credit report. I have evidence to prove my case.
Product: Checking or savings account

I received a overdraft fee from Pnc Bank, when I have a line of credit. The line of credit was not used nor was the funds in my other savings account.A {$36.00} fee was placed on my account for a mistake made by the bank? I would like the fee to removed and added back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX   XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX   XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX  XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent account has been reinserted into my credit report. This account was previously removed because it was a result of identity theft, and I would like to formally dispute its reinsertion. Please provide documentation proving the legitimacy of this account.XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been dealing with this issue since XX/XX/XXXX when I started applying for help with PHH Mortgage/Ocwen XXXX and again on XX/XX/XXXX, for a reduction in my monthly payment by emailing them required application and financial documents to get assistance. I sent them this information by certified mail on XX/XX/XXXX for the XXXX time and tracking proved that they received it at PHH Mortgage Services/Ocwen XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX XXXX Attention : Mortgage Assistance ) on XX/XX/XXXX. 

I have not received a response from PHH Mortgage Services to the XX/XX/XXXX XXXX XXXX. But on XX/XX/XXXX I received a notice from XXXX XXXX c/o PHH Mortgage Services stating my monthly payment is going to go from {$2100.00} to {$2400.00}. I also received a mortgage statement from XXXX XXXX c/o PHH Mortgage XXXX XX/XX/XXXX, saying I owe them {$6700.00} on XX/XX/XXXX. This is almost exactly what the payment was before they modified the original loan from the company that went bankrupt. I have been in my home for 30 years and I have not been offered any assistance by these companies to help me stay in my home at XXXX XXXX XXXX XXXX.
Product: Debt collection

On the day of XX/XX/year>, a deputy sheriff by the name of XXXX came to my home to serve me with a civil warrant. My family member told me that I had been sued by XXXX XXXX XXXX attorney for Credit Bureau USA for an old credit card debt that was very over the statute of limitations. I was told that if i didnt respond to the warrant that I would be arrested and taken to jail. 
They frightened and threatened me and my financial well being not to mention the mental anguish and stress i and my family experienced over a debt that I was no longer financially liable for. Over a {$2600.00} debt that was charged off! This is not acceptable and i want the company and the attorney who practiced scare tatics, threats and fear mongering to try to get me to repay the debt held responsible! 
The debt must have sold to another debt collection agency and was sued and my wages garnished for double the amount!
Product: Credit reporting, credit repair services, or other personal consumer reports

The phone number entered by the representative when the fraud alert was placed is incorrect. The area code is XXXX number off.
Product: Credit card

On XX/XX/XXXX, while attending a XXXX party in XXXX Florida, my Chase credit card was utilized to make a purchase of XXXX XXXX  tickets valued at {$320.00}. I discovered this transaction on the morning of XX/XX/XXXX and promptly contacted the bank to initiate a chargeback dispute. However, a month later, the bank informed me that they were unable to dispute the charge due to the presence of evidence indicating that an individual with my name and email address had successfully used the card.
Product: Credit reporting or other personal consumer reports

This issue with with XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX. 

RE : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is the issuer for both of these branded credit cards, however, XXXX does not take responsibility for fraudulent attempts to open these cards and I have been unable to reach a person beyond XXXX. 

I saw activity related to these two accounts on my credit reports and then received notifications on XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ) that both applications had been denied. 

I attempted to contact the phone number listened for " Manager, Credit Review '' on each letter to dispute the applications and request that they remove these applications from my credit report.

Both of these applications are fraudulent but neither vendor is reachable by phone to answer any questions about this or to file a fraud complaint.
Product: Checking or savings account

Disputes XXXX and XXXX On XX/XX/2023, both my wallet and phone were stolen shortly after checking into a hotel. My Chime card was used to purchase ~ {$1300.00} in goods, food and even an atm withdrawal. My phone was accessed. I filed a police report with XXXX and the FBI. I disputed the charges as fraudulent and have been working with an investigator with XXXX. On XX/XX/2023 and subsequently, Chime denied my claims saying I authorized the charges. This is false. I did not authorize any charges reported.
Product: Debt collection

Receivables Performance Management LLC ( RPM ), a national debt collector, is attempting to collect on a debt that has been processed and accepted by XXXX, an insurance company. The alleged debt arises from XXXX XXXX in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX for the service on the hot spot device which I own. I tried to pay the {$85.00} for the one month of service with late fee, but I was told by XXXX that the account ( account number XXXX ) had been forwarded to collections. I then informed XXXX XXXX that they are attempting to collect twice and are double dipping while committing at least two criminal acts of wire fraud and insurance fraud as well as violating State and Federal debt collation regulations and laws. I have elected not to have my devices replaced after the claims were accepted by the insurance company and, as such, XXXX had billed me for and placed charges on my account for the replacement devices which has now been forwarded to collections with RPM. While I understand the norm is to replace the devices and then bill the account for the newly replaced devices that is not the case in this instance. Therefore, no money is due by me for the devices that the insurance company paid out on, all of which were in use at the time of loss. XXXX XXXX has sold the debt associated with my account to RPM for an undisclosed amount and the debt collector is now trying to solicit payment on a debt that, except for the {$85.00}, has already been, or should have been, satisfied. In resolution of the double dipping attempt by RPM I would like full forgiveness of the debt by both RPM and XXXX XXXX along with updated credit reporting data provided to all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices including, but not limited to the California Public Utilities Commission ( CPUC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Student loan

I wish to be identified as someone who has been harmed by the management practices of Navient. Many times, it was suggested to place my account in forbearance - they did not explain that forbearance would run out and that it would negatively affect my credit rating. When they placed my account in forbearance they would make it effective the day after my payment due date to ensure that my credit rating showed I was late paying. I have tried to ask Navient multiple times to take care of the fraudulent credit reporting and they have refused. This has affected my ability to get loans and employment. Overall, Navient 's responsibility to inform their customers on the loan repayment process is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do have many hard inquiries from companies that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six student loans with XXXX XXXX and each loan shows up individually on my Experian report, please see the attachment labeled " XXXX  Late Payment Data ''. 

You will also see each of them has corresponding " late payments '', and the details of these late payments posted can be seen by reviewing the listed attachments " Loan XXXX - XXXX. 

I have tried helplessly to work with XXXX on two goals via phone and email with their support staff to no avail : ( 1 ) These six individual loan entries on my Experian credit report, all with late payments, are preventing me from repairing my credit. On the XXXX website, while they do list loans individually, they combine the total balance of loans and you make payments across all the loans when you make a payment, not individually. These six loans need to be combined into one loan, with any corresponding late payments, as opposed to what is listed currently. 

( 2 ) I previously spoke with XXXX a few times now on the phone over the late payment information that is showing on my account. I need this information reviewed in entirety for each loan. In the attachment " XX/XX/XXXX to XX/XX/2020 '', this was an email from XXXX stating loans would be in forbearance from XX/XX/XXXX to XX/XX/XXXX. I called before this forbearance ended and was told I was not eligible to continue forbearance, even when I had not yet found a job after graduating. 

I spoke with someone last month who said that should not of been the case, and that forbearance after XX/XX/XXXX was still being granted upon request. I could not pay, and was also told false information ( whether by mistake or not ) I am unsure, but I would like associated late payments which any account holder was qualified to be under forbearance removed as I was told I was not able to, when indeed, I was.
Product: Credit card or prepaid card

AMEX research results are not consistent with true transaction history with XXXX. AMEX might have technical issues with XXXX in issuing XXXX cash to the customer account. I have been holding the personal platinum credit card for a very long time. In the past, I have no issue in using the XXXX credit from AMEX because I always enrolling my personal amex card with AMEX. Starting from XX/XX/XXXX, things went wrong. The AMEX XXXX  cash {$15.00} can not be applied. In XX/XX/XXXX, AMEX reverse the issued XXXX cash of {$35.00}. I delinked the card and enrolled again in XX/XX/XXXX. It doesn't help. I haven't received XXXX cash for XXXX and XXXX XXXX XX/XX/XXXX, I tried again to delinked the personal platinum card and re-enrolled it gain. Same issue. I have all transaction documents from XXXX cash account. AMEX is welcomed to contact you for the transaction history. AMEX owe me the XXXX cash of {$80.00}. I ended up paying that out of pocket. I would like to request of XXXX Membership points as goodwill gesture.
Product: Student loan

The original loan amount was {$18000.00} by Sallie Mae in XXXX. Repayment started in XXXX and payments were made regularly. In XXXX my son lost his job. He called Sallie Mae and they worked with him and the loan went into deferment. In that time during Covid all student loans were deferred due to hardship. The difference is Sallie Mae was accruing interest on their loans. This was not made clear to him at the time. What started as an {$18000.00} loan is now {$27000.00}. How can this be legal? They acted like they were helping him out when he could not pay. They suggested the deferment and now he owes more than is even borrowed. At no time was he told that loan would increase this much. It seems to me that in a time when the we all needed help they took advantage of students.
Product: Debt collection

I received statement from commenity XXXX  on an old account saying i owe over {$800.00}
Product: Credit card or prepaid card

I recently opened this XXXX XXXX XXXX credit card but had trouble making my first payments to the card. I was given incorrect or inaccurate instructions over the phone in regards to making my payment through my bank 's Bill Pay service. I kept asking multiple times if my payment was received, and all I was told to do was wait. By the time I realised what had happened, it was already late XXXX, and multiple payment deadlines had passed. When I called, I asked for a reversal of the late payment statuses and late fees due to this error. My understanding was that all the late fees would be reversed now that I had posted my full payment. However, this was not done, and right now my card is showing as having been late for XXXX months and it is ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account, " capital one auto financing '' is still open, on my credit report as a remaining balancing. it should be removed and detected as XXXX balance. i no longer have this loan
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX : {$0.00}
Product: Mortgage

On XX/XX/XXXX, a reverse mortgage was taken by XXXX XXXX XXXX and on XX/XX/XXXX, that loan was assigned to HUD from Bank of America. On XX/XX/XXXX, the reverse mortgage was " PAID OFF and SATISFIED '' to Bank of America. On XX/XX/XXXX, Bank of America requested from HUD that the assignment be given to record a " Mortgage Release, Satisfaction, and Discharge ( " Mortgage Release '' ) '' on XX/XX/XXXX, and recorded in Official Records of XXXX XXXX as Instrument Number XXXX. Without notice, communication or clarity on XX/XX/XXXX, Bank of America rescinded by recording a " Recission of Satisfaction ( " Recission '' ) '' in the Official Records of XXXX XXXX as Instrument Number XXXX. There is evidence from Bank of America in the form of the series events that took place to record a " Mortgage Release, Satisfaction, and Discharge ( " Mortgage Release '' ) on XX/XX/XXXX. In addition, there is a " Satisfaction Letter '' from Bank of America that certifies the reverse mortgage was " PAID OFF and SATISFIED ''. Bank of America accepted our " third party authorization '' to release information pertaining to the " PAID OFF and SATISFIED '' letter. If it is a violation of privacy laws, then Bank of America broke a federal violation by sharing information ( e.g., loan information, satisfaction information ) of a deceased borrower. However, Bank of America states that it was an " unintentional or procured by mistake '' and it was a " unilateral mistake '' on their behalf, and this is the basis to " rescind a satisfaction of mortgage ''. It has been 6 months and Bank of America has not provided any information on loan balance, payment history because the reverse was " PAID OFF and SATISFIED '' on XX/XX/XXXX. Finally, there was a will that reflects the facts that the property was PAID OFF and SATISFIED and no money was owed to Bank of America. Please help us stop this fraud and falsified actions.
Product: Debt collection

I am filing this complaint to inform you of a recent resolution with my financial institution, XXXX XXXX, regarding an error in the reporting of my account information. After a thorough review, it has been determined that certain late payment markings on my XXXX XXXX account ( Account XXXX : XXXX ) were inaccurately reported due to an internal error by the bank. I kindly request your assistance in reflecting these corrections on my credit report. The removal of the late payment markings and the update to the status will ensure the accuracy of my credit information. I appreciate your prompt attention to this matter and look forward to an updated credit report reflecting these positive changes. XXXX XXXX XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} Late/Open Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XX/XX/XXXX