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

In XXXX XXXX I was contacted by XXXX XXXX and informed that my account was overdue. The account had been set up on autopay previously and there are 10 years of on time payments to show for this. I immediately paid the balance due to the technical error of the missed auto payment and XXXX XXXX removed any associated late payment fee and agreed to pull this from my credit report as it was a technical error. XXXX XXXX my credit report is reflecting a 60 day past due balance for XXXX XXXX on XXXX XXXX - which does n't add up in the first place because it does not show a 30 day past due in XXXX XXXX. In fact, when looking at the attached statements, the charges in question were from XXXX XXXX XXXX and when you look at the XXXX statement you can see the payment was applied on XXXX XXXX XXXX, the day I was contacted by XXXX XXXX that this account was overdue and realized the autopayment had not gone through. I was told by XXXX XXXX when I made this last payment on XXXX XXXX that this would be not be put on my credit report and that the late fee and interest would be removed. When I pulled my credit report in XXXX I did not see the 60 days late marked on this account for XXXX, however it has now reappeared there and my credit score which had gone back up in XXXX XXXX has now come back down again in XXXX XXXX. This is the only blemish on my credit report and is directly responsible for the 120 point decline in my credit score. Upon contacting XXXX XXXX again XXXX XXXX XXXX about this issue I was informed that my balance is actually negative, that they owe me money, and yet they are reflecting this as a delinquent account on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX Studnet loan services were paid in full and I received a letter that I will attach that states this is so. Equifax refuses to acknowledge the letter in my dispute XX/XX/2023, I called and they hung up on me, I need this reported correctly and accurately asap. This is fraud. Equifax is refusing to do a proper dispute resolution and no I believe them to be fraudulent.
Product: Mortgage

I am working receiving limited invome a month and paying my monthly health and medical insurance. Loan Servicing and Freedom Mortgage gas increased my mortgage for the past year. I have no other income and my mortgage is taking my whole check leaving me very little to pay my other utilities. I went back to school trying to get a better job but that has n't happened yet. I have to have a car because i have no other means of transportation. I am very depressed. This is a home me and my husband purchased when he wss living. I just feel that the mortgage compsny is not looking out for my best intrrest. I have nobody to turn to. Please help and tell me what i can do. At the end of my rope.
Product: Credit reporting or other personal consumer reports

NOTICE TO OPT-OUT In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was TransUnion 's problem - not my problem - it caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries add a hardship and that myrights were violated by TransUnion. Can someone help you make TransUnion stop victimizing me and others. I know that this is illegal
Product: Mortgage

My mortgage was sold to BSI who did not recognize my loss mitigation from mortgage solutions. I paid XXXX above my mortgage. In XXXX i paid XXXX and was advised by an agent that if I paid an extra XXXX my loan would be current. I paid XX/XX/XXXX payment prior to the XXXX to avoid late charges and the system showed another XXXX in late fees after being told I was current. The manager said it was late fees that came over from mortgage solutions, which were supposed to be held due to the loss mitigation.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on Experian credit reporting agency. I noticed several inaccuracies involving multiple accounts in direct violations of the Fair Credit Reporting Act section15USC 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
Accounts in violation such as follows : Account names, numbers, and addresses : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX FL XXXX, UT XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  UT XXXX I never gave any of these companies written consent to furnish such information by no means whatsoever please cease and desist all communications immediately!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit showed a delinquent amount with XXXX XXXX XXXX. I contacted them and they forwarded my call to XXXX XXXX. XXXX XXXX offered a settlement amount of XXXX from the total of XXXX to be settled in full with a XXXX  balance. This amount of XXXX was paid as agreed and documentation of receipt was provided. Conns and XXXX XXXX have no held their agreement in showing this account as settled in full with XXXX balance on my credit reports with XXXX, XXXX and XXXX. Instead, they have deducted the settled amount from the total and are now showing on my credit report a derogatory report with XXXX dollars due. 
Paid on XX/XX/XXXX File number XXXX Repeated contact with both companies have been a dead end as representatives from both state that the other company has to be the one to make the correction. 
I am currently under contract to purchase a home with an estimated close date of XX/XX/XXXX and this is negatively affecting my loan application.
Product: Consumer Loan

On XXXX/XXXX/16 I went to Lending tree looking to get rate quotes for an auto refinance. When filling out your information on the Lending tree website it ask for your information and the last XXXX of your SSN, which normally entails a soft pull for promotional purposes. It further states " View Free Offer ''. Well Lending tree was able to retrieve my full SSN, which I did not give them and they passed it on to other lenders who turned around and did a hard pull without my authorization to do so. When these lenders called and left a vm in regards to the the rate quote I wanted they said they needed additional information in order to proceed. Well I never called them back not realizing they had my full SSN and they pulled my credit report by just using the last XXXX digits of my SSN. I did not know this could be done. As I did not give my full SSN. Their website is not very clear and can be deceptive. When I contacted Lending Tree in regards to this matter they said it states that they will do a hard pull, but it does not state such where it 's very noticeable. Furthermore, they did not even give any rate quotes but only gave the lenders name and phone number. I think lending tree should put on their website that this will result in a hard pull in Big Font right underneath where it asks for the last XXXX of your SSN, as this is misleading and shoppers are unaware of this free offer resulting in a hard pull of their credit report. I also did compassion shopping of their mortgages and it did not result in a hard pull but a soft pull. I want Lending tree to have these inquires be removed from my credit report as I did not authorize for my credit report to result in a hard pull as I was not applying for credit but was simply doing comparison shopping of rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX is reporting to credit bureau saying that I was 30 days past due back in XXXX of XXXX. I have bank account statements saying I paid the monthly bill in full in XXXX of XXXX. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. XXXX has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX  XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau 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 states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and XXXX XXXX do not want abide by the law hopefully this will make my credit report accurate.
Product: Credit reporting or other personal consumer reports

XXXX showed up on my credit report as late payment. This is incorrect and should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired XXXX XX/XX/2021.
Product: Debt collection

MEDICREDIT , INC . 
{$51.00} XXXX XXXX XXXX No knowledge of debt and collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Product: Credit card or prepaid card

I was charged by different " companies '' so i called to ask for an investigation of fraud into the charges made by each company individually. I made sure to explain that it was 4 different " companies '' that had been charging me This should have been put in as 4 different investigations but the customer care representative that helped me put it in as one joint investigation saying that it would be easier for the dispute team to work the case. One company charged me 2 times on XXXX XX/XX/2023 for {$.00} and then 3 times on XXXX XX/XX/XXXX for {$.00}. The next incident was by a second company who charged me 1 time on XXXX XX/XX/XXXX for {$1.00}. The second company then charged me 7 times on XXXX XX/XX/XXXX for a total of {$2.00}. The third company charged me 2 times on XXXX XX/XX/XXXX for a total of {$.00}. The fourth company is the one that i originally called about that took the most money. The fourth company charged me 1 times on XXXX XX/XX/XXXX for a total of {$.00}. They the charged me a total of 142 times on XXXX XX/XX/XXXX with charges at some points happening every second or even multiple in the same second for a total of {$340.00}. After their investigation they determined that the card was kept active more then 30 days based on company 1 charging me and then company 4 charging me. For company 1 yes that may be true so that investigation should have been closed. However company 2, 3 and 4 all charged me in XXXX and i called in the fraud dispute on XXXX XXXX XXXX. It stated that the card had kept on being reloaded which occurred on the XXXX of XXXX which was before companies 2,3 and 4 made their charges. They said it was a regular spending rate that the transactions were made in 25 days. However again had this been put in as seperate counts of fraud that all the main charges i was calling about were made in 8 days. from the XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. And finally the last reason they denied my claim of fraud was because the charges fit the spending pattern of XXXX XXXX. That just because they all had XXXX at the beginning of their names that they fit the spending pattern. In other words someone could charge me from XXXX XXXX XXXX would be something that fits my spending pattern when in fact that is untrue.
Product: Debt collection

I am unaware of this debt. I didn't have an opportunity to dispute this information. If in fact you believe you gave me the proper notification then please send me the certified receipt with my name and signature on it confirming this notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit recently, I noticed a few items that doesnt belong to me. The following accounts are fraudulent. 

XXXX now {$6400.00} XXXX {$750.00} credit collection {$600.00} Please see attached FTC report submitted by myself.
Product: Debt collection

I never receive any notification from this company that I owe a debt. I receive a copy of my XXXX report and this company was listed as a debt collector. I never receive a letter or no notification of this debt and has no knowledge that I owe XXXX. I am still a customer of XXXX for over 10 years  and when I contact the company they have no knowledge of this collection agency try to collect a balance I do not owe.  This collection agency is not license to collect in the state of Tennessee.
Product: Debt collection

Since XX/XX/2018 - Present this company claims to be National Bank of Omaha calls from phone # XXXX repeatedly starting at XXXX hangs up calls each minute after back to back 3x a day and they do this every single day even though theyre blocked they keep harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number ending in:XXXX  This account is not reporting correctly on my credit report. Right now it's reporting as a collection/charge off on my XXXX XXXX credit monitoring report. It was never a collection account. Please contact the creditor and verify that this account should be reported as never late and paid and full.
Product: Mortgage

Beginning in XX/XX/year>, Carrington Mortgage has deducted {$110.00} monthly from escrow for flood insurance. I have paid my flood Insurance policy with XXXX XXXX XXXX XXXX, in full every year since I took out the mortgage and provided the policy information as requested by Carrington. 

I DO NOT ESCROW taxes or insurance. I pay them in full annually. There is no reason for the deduction, and the deduction began without prior notice from Carrington.
Product: Money transfer, virtual currency, or money service

I had a large amount of money transferred into cashapp without my knowledge. XX/XX/XXXX and XXXX of 2024, {$2700.00} was stolen out of my bank account using cashapp. The scammer then transferred the funds out of my account. A police report was filed and submitted for Cashapp as requested as well as the report for the phone that was stolen. Cashapp gave no reason as to why my funds could not be returned, the emails were all the same. They found no error and I would not receive my money back. Despite the numerous agents that claimed I would receive my money in 10 days after the police report was submitted. I have still not received my money back to the bank account it was stolen from and Cashapp told my bank when they attempted to reach out they would not be reversing any transactions and that there were no errors. I am still waiting to receive proper help and my money back.
Product: Credit card or prepaid card

on XXXX XXXX, Chase bank issues an updated policy titled " Chase digital service agreement ''. The file is XXXX pages long, and is full of technical jargon and details that are difficult to read and understand. Additionally, Chase is REQUIRING the user to fully accept the agreement, or the user will no longer have access to use any online features. ( Banking, reading statements, etc ). 

This action is extremely restrictive and is forced on the user with no choices to accept or lose use of the app and its functions, which for many people, is their only way to perform most if not all of their banking needs. This action takes any and all choice away from the user, except for " comply or get out ''. This unfair business practice leaves the user handcuffed and unable to do anything to maintain our rights as consumers with regard to policy changes. Chase knows that 99.5 % of people will blindly agree to this, knowing that the XXXX pages of details are WAY TOO MUCH for people to read or understand, and in this way forces whatever policies and requirements on a unknowing consumer just to fit the needs of the bank, and giving nothing but rules and restriction to the people they are supposed to be serving. 

I see this as a strong armed attempt to force the user to follow their demands without any concern for the consumers rights and freedoms. This must be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, The companies below have many inaccuracies on my Experian credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Experian credit report for many blatant inaccuracies they refuse to fix.