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

I been writing all 3 credit bureaus concerning a few items. The first would be XXXX XXXX that has a fraudulent account that was not opened by myself about 4 or 5 years ago. I called the company and the company told me that the fraudulent account should drop off my reports within 45 days, which it didn't. I disputed this item with all credit bureaus in XX/XX/XXXX and it still hasn't been fixed. I have an open account that is current with XXXX XXXX and am in good standing with but I didn't know about the other account until my reports were pulled when trying to get a home loan. The second item that is inaccurate on my account is missed payments and collection status from the child support agency. The account has been in litigation for years because the child support agency wasn't tracking payments that were going directly to the mother in support of my child through my benefits. About 4 years ago, I received an order deleting all past, present, and future payments. I sent letters to all credit bureaus XX/XX/XXXX to have the information taken off my credit reports. The accounts still show with negative information on it when it shouldn't. Also, I had a fraud alert on my credit reports, some since XX/XX/XXXX in which they still allowed companies to pull my credit. Although most fraudulent activities were prevented, the bureaus still reported all the credit inquiries on my report bringing my credit score down drastically. I couldn't do a police report for the inquiries that wasn't done by me because according to them, nothing was stolen. In order to do a police report on the inquiries, an account would have to be opened by the perpetrator. So I have like 50 credit inquiries in which I wrote to the credit bureaus and specifically stated the inquiries were not requested by myself, nor did I give permission for my reports to be pulled by those companies/people. The credit bureaus are not doing the proper investigations into disputes. If they were, these items would be removed because they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian appears to be systematically preventing online freezes after the hacking of XXXX.
Product: Mortgage

My issue involves XXXX XXXX XXXX ; I have previously filed a complaint. I have contacted Ocwen Ombudsman but got a generic response. One thing they continue to ignore is the inaccurate information they are now reporting. The term of the loan is reported as 38 years. This is false. The term was 15 years with a balloon note. This is why they were able to take my home. CFPB recently filed a suit against this company : Case No. XXXX CONSUMER FINANCIAL PROTECTION BUREAU, I want to add any information I can to this suit if possible. If not, I want someone to help me determine if anything can be done. I began trying to go through the modification process in XX/XX/XXXX 2010. They refused me at every turn. First, because I was not in default and had not missed 3 payments. When they received that 3rd payment they sent it back and my nightmare began. They told me that NPV was the reason, or the 31 % rule, they lost paperwork, they stalled and  stalled and then finally sent me a 2 year in-house modification agreement because they said the " investor '' would n't allow this loan to qualify for the HAMP. I made every payment on time and applied for another modification which was turned down. They claimed the loan owner would not allow modification and demanded the balloon payment of {$75000.00}. Help me. Please. ________________
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : NAVY FEDERAL CREDIT UNION XXXX NAVY FERDAL CREDIT UNION XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Debt collection

SIMONS AGENCY continues to harass me by reporting unknown medical debt to all 3 credit bueaus they add several small value allelged debts they hang up on you when you call them I have no knowledge of these bills this is obviously fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX, TX XXXX FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX  XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Collection accoun
Product: Debt collection

XXXX at XXXX XXXX in XXXX, Georgia, owned by XXXX XXXX, is attempting to extort me for illegal move out fees. They declared I owed {$680.00} in move out fees that will be sent to National Credit Systems if I don't pay in 30 days. They are trying to charge me for normal wear and tear for carpet, blinds, and a drip pan, which is illegal under Georgia Law. They are trying to charge me for rental income I already paid, also illegal. They illegally changed the signed move out date from XX/XX/XXXX to XX/XX/XXXX, then to XX/XX/XXXX. They illegally declared that depreciation on their carpet is 8 years when federal law dictates 5 years for tack down carpet and XXXX years for glued down carpet. They sent the notice 4 days after XX/XX/XXXX, when Georgia laws requires it to be sent within 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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
Product: Credit card

Tried to make a purchase. The purchase required me to ID verification via a text message from Citi. I entered the code ( the code is entered into a password field so the numbers are obscured ). The card was declined. 

I thought I entered in the code incorrectly so I tried again. I verified via text. It was declined. 

I thought maybe the processor was the problem so I tried paypal and was declined. I logged into citibank and noticed that they had 3 transactions from me which were the ones I tried to process but were declined. I marked that I recognized them. 

Citi informed me to try the purchase again. 

I tried again and my account was locked. I logged in but this time it made me call in. 

I called into Citi and verified all my information. The lady helping me processed and cleared all my transactions and told me that she'd pre-clear the transaction and told me to place it again. 

I tried to place the order and my account was locked AGAIN. 

I called and the man on the phone told me that he could not use my phone number to verify my card. He immediately went to issue a verification code via snail mail that will take 7 business days to get here. 

They refuse to help me unlock my card.
Product: Debt collection

I was the secondary signer on this loan. It was for a family member and, when she started to default on this loan, I was never contacted to try and rectify the situation.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, consumers have the right to request the immediate blocking or removal of fraudulent accounts resulting from identity theft. The accounts Com/Ulta ( XXXX ) and XXXX XXXX ( XXXX ) were opened without authorization due to a data breach, violating my rights under this law. Additionally, per FCRA 605B, credit reporting agencies must remove fraudulent information within four ( 4 ) business days of receiving proper documentation, including an FTC Identity Theft Report and proof of identity. Failure to comply may result in regulatory action by the Consumer Financial Protection Bureau ( CFPB ) and potential legal consequences.
Product: Credit card or prepaid card

I have worked in financial systems and data Integrity for a large Banks over a XXXX period of my career and I am disgusted with what Chase Bank has done over the course of the last 15 years. Most importantly right now is there algorithm which is in violation of truth-in-lending especially for small businesses during Coronavirus. My problems are very very detailed with fraud in direct Financial negativity to my personal and businesses and accounts and lines of credit in excess of {$26000.00} between two cards one being chase XXXX unlimited and the chase XXXX program that is known for many issues and legal problems my credit was in good standing with no revolving balances with a very good history and all of my businesses since XXXX wear with Chase Bank they have fraudulently taken thousands of dollars for me reported my credit incorrectly and shut it off during a time when they should have not and all kinds of other illegal activities over the course of my relationships with them they're also withholding data and I know by law that they have to have at least seven years of data on file which is my right. 

I have tried to reconcile this with them financially and they have not come to terms their dispute process is one of failure and continued lies and inaccuracies in fact Never follow up on cases and use a blanket term that many Industries do called the back-office which in fact is nothing I am old thousands of dollars and it is ruined my small business and I will be reconciling everything to the XXXX in this is a formal complaint to do so and take action and litigation against the bank as a consumer and maybe as a consumer advocate please advise what to do again this is signed electronically and dated by my voice at XXXX XXXX Central Standard Time on Sunday XX/XX/XXXX you can reach me at XXXX please help and thank you for the service I hope it does help others get through this if we can't trust their banks at this point what do we have left? XXXX XXXX XXXX
Product: Credit card

DEAR CFPB, I HAVE FILED SEVERAL COMPLAINTS DIRECTLY WITH CHASE, AND THEY REFUSE TO DO ANYTHING. I HAVE A CHARGE ON MY CC, AND NO SERVICES NOR PRODUCTS WERE RECEIVED. THEY ARE REFUSING TO HELP ME WITH THIS MATTER, I EVEN HAVE A WITNESS WHO WAS AT THE SAME EVENT, THEY EVEN TIRED TO CHARGE MY CARD AFTER I BLOCKED IT AFTER THE INITIAL CHARGE. THE COMPANY DOING THE CHARGE IS XXXX.
Product: Debt collection

Hi, To whom this may concern, I have contacted Healthcare Receivables on XX/XX/XXXX to Request my Debt Validation with the following information below, The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt, including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Whether this debt is within the statute of limitations and how that was determined. 

Details about their authority to collect this debt : whether they are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If they are contacting me from outside my state, provide the licensing information from their state as well. 

I was contacted from a representative XXXX, XX/XX/XXXX at XXXX XXXX  that accidentally called without realizing that her company had sent out a letter or mail with information regarding my case. She then realized that her company submitted my information to the wrong address. I contacted the company last month and hadn't received a phone call or email until today. This is a violation of HIPAA due to it is unethical to send out a person 's personal information without confirming their correct address. I provided the representative with my correct information but, due to the federal law it states that the company had 30 days to respond to my letter and unfortunately, I am locating in Texas and they are now having to reverse and send out a new letter to my correct address, which will cause a interference and time constraint with the 30 day time frame.
Product: Debt collection

Came home from work, and my roommate hands me my mail. I noticed a strangely colored and labeled mail, so I opened it first. It 's from a law group or agency, stating that I owe the amount they requested in the letter. If they fail to receive the payment requested, they may or may not pursue legal action to recover the debt. And if they do decide to take legal action, the issue will be forwarded to one of their attorneys in my local area. They are accepting payments through a given website and phone number. How they failed to convince me that this is real, is that they require my account number. I 've never been in trouble with the law regarding any persons or business, so I do n't understand how or why I received this letter in the first place.
Product: Checking or savings account

On Sunday XX/XX/XXXX at XXXXXXXX XXXX I was notified my account was closed due to Suspicious activity. The email stated it needed a copy of my ID, proof of address as well as a notarized document from the depositor as well as their ID. When I call the customer service number it was an overseas firm who refused to give me any information said they weren't allowed to and that I would have to submit the documents. I explained the only deposit coming in was for my tax refund and I had no way to get a copy of the government 's ID. In the meantime, I can not access the app to even see my account which has a checking in an investment account on it. My paycheck is direct deposited in there so I am left with no money that I am allowed to access. I've attempted to call every customer service number I could and I get the same response of. We're sorry but there's nothing we can do. I again I can't even access my account to see if they took all my money. I know I just got paid the direct deposit. I've never had an issue with this company before and now I am stuck with no money to get even to work because I was foolish enough to allow them to sign me up for direct deposit and just use the The debit card to pay for everything. I need assistance and nobody will respond. They have lock me out of all my money and give me no resolution. I've advised them you can't steal somebody's money and they tell me they can cancel my membership at any time if they choose. Please help
Product: Credit reporting

I was late with paying my electric bill XX/XX/XXXX. I made arrangements in XX/XX/XXXX to get it paid. The electric company, XXXX XXXX, immediately came back and said I was late on {$80.00}, when a ) I was n't, and b ) it 's been paid for, yet the credit report does n't reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts and sending information with required ID, Bill & SS card they are using generic auto tactics! They will not issue my credit report. They have fraud alert I never asked for at all. They are reporting debt that I dont not have being filed XXXX XXXX Bankruptcy- they have wrong addresses my only address is XXXX XXXX XXXX XXXX XXXX  MD XXXX, My jobs are XXXX XXXX XXXX  formerly XXXX XXXX  years & XXXX XXXX XXXX XXXX year only- They have inquires from 2022 never did and reached out to fraud department no help at all! They raised my score and dropped it for NO reason at all! My score should have raised without all the debt that has been discharged!!!!!! Its always generic responses no help st all or accurate information!
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 confidentiality under 15 USC 1681. 


Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lived at the same address for 7 years, do not have any alerts/restrictions on my Experian credit report. Have been obtaining my report on a yearly basis with no issues. Just recently ordered my report through both XXXX and XXXX without any issues. However, having an issue ordering my Experian report through the automated system. I should be able to receive my once yearly report now.
Product: Mortgage

1 ) In XXXX  I called Freedom Mortgage and asked them to remove my PMI because the equity in my home had grown so much. They specifically told me I did not have PMI insurance payments which was not true. My house is now worth over {$500000.00} and they are still charging me PMI after repeatedly asking for this to be removed. 
2 ) I questioned why my payments went up more than $ XXXX  monthly and they could not give me anything specific except " YOUR INSURANCE PREMIUM MUST HAVE WENT UP ''. i HAD NEVER HAD A CLAIM ON MY HOUSE. They forced me to allow them to manage my own money to pay my insurance from an escrow account. They said it was mandatory. They were in charge of making my payments to my Insurance companies, ( FLOOD, Homeonwers, & Taxes ) .It was all out of my hands and I would get letters from the tax office and insurance companies that my insurance was late, due etc... 
Earlier this year I got a letter that my flood insurance was canceled for nonpayment and that led me on an investigation that found Freedom Mortgage placed " FORCED FLOOD INSURANCE '' on me. I had also found and had proof that I had my own Flood and Homeowners insurance the whole time as well. I have provided them with proof of the cancelled checks for all the payments from the insurance agencies however they have refused to give me proper documentation or refund me for over {$6000.00} for the forced insurance that their company personally and finacially benefited from. STILL NOT ALLOWING ME TO PAY MY OWN BILLS SO I KNOW WHAT AND WHEN MY BILLS ARE PAID. I found all this out when I was going to sell my house and the new buyers wanted to know if my flood insurance would transfer-I ALSO LOST THE SELL OF THE HOME AT THE ASKING PRICE OVER THIS WHOLE ISSUE. I WANT COMPENSATED CORRECTLY FOR ALL OF MY LOSSES! THIS IS CRIMINAL WHAT THESE PEOPLE DID. I have been on hold for hours and reached out to them dozens of times and nothing, They have all the power and neglected my finances which I have very high regard for.
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft from my x husband he abused my name and screwed my credit bad 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. 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 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, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please remove these accounts immediately 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 my tracking numbers for the letters i sent the bureaus XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I authorized a payment on XX/XX/XXXX for my loan of {$130.00}. However, there is a dual charge on my bank account now ( as shown in the attached picture ), I am assuming that the one labeled retry was a reattempt of a charge on XX/XX/XXXX, both of which WERE NOT AUTHORIZED CHARGES, and does NOT show up on my account. Only the one that I authorized, the one that went through my account on the XXXX, was authorized. 

To clarify : 1 ) The charges on XX/XX/XXXX and XX/XX/XXXX are not authorized 2 ) The charge on XX/XX/XXXX is authorized Please help, as the first two charges were : 1 ) Not authorized 2 ) Not part of an autopay for my account 3 ) not shown any reference in my loan account XXXX ) Resulting in {$130.00} being pulled TWICE from my account this month ( as both the unauthorized charge on the XXXX and my authorized charge on the XXXX went through ) What is most irritating is the fact that 1 ) these charges were not AUTHORIZED and 2 ) the unauthorized charges did not and do not show up on my loan account, so it is not even applying to my balance. 

I have tried contacting the company the following times : 1 ) XX/XX/XXXX + XXXX - through both their phone line and email support but to no response 2 ) XX/XX/XXXX - I was able to talk to a person on the phone but the representative said " I have to email support and they will get back to me. '' I, then, sent ANOTHER email but I still have not received a response.

It has now been over three business days and no one has still reached out to me regarding this.