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

I HAVE CONTACTED XXXX XXXX XXXX  XXXX XXXX AND I REQUESTED Notice for Proof of Claim Accounts : XXXX XXXX, XXXX c/o XXXX XXXX BANK XXXX XXXX it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs.
Product: Mortgage

My husband and I changed our homeowners insurance company with a different company. Our old insurance company, XXXXXXXX, almost tripled in their rates and our escrow went up an additional {$800.00} a month. We cancelled our policy and switched to XXXX. XXXX, our current/new insurance company faxed over our coverage and policy information to Carrington mortgage services. Carrington said there was nothing else we needed to do. We called Carrington and asked when our mortgage payments would go back down before the additional {$800.00} a month increase and we were told they would not because our policy with XXXX was cancelled and we have a new policy with XXXX underwriters. We never spoke with anyone from XXXX underwriters, no one reached out to us about this company, and XXXX shows no interruptions or cancellations on their end with our homeowners insurance. XXXX was confused on why they had to send the verification documents again but did send the documents. When I originally contacted Carrington about this increase in escrow I was told there were no payments made towards our mandatory flood insurance last year and that as well as our homeowners insurance increase was why our escrow went up so much a month. We currently have a less expensive insurance policy, with more coverage but our payments are still an additional {$800.00} a month. We also received a refund check from XXXX and I immediately paid it towards our escrow and I dont see that payment on our account at all.
Product: Credit card or prepaid card

I disputed a hotel stay at XXXX XXXX XXXX because the room was not clean, there was XXXX in the hallway along with XXXX. 

Trash was overflowing into the hallways and the only explanation given was due to COVID 19 the hotel was not fully staffed. 

The total amount of the dispute is {$1200.00} XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by scammers pretending to be my electric company. They tricked me into sending {$490.00} with threats to my business and account info. Neither XXXX or Key Bank will reverse the charge claiming I authorized it. Key bank uses a link to XXXX in its mobile app connected to my account so while I was tricked I assumed my money would be protected through these services.
Product: Credit card

Dispute Case Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - Disputes Filed XX/XX/year> - Disputes Denied USAA claims they have no recourse for my dispute case with XXXX Services through XXXX. They erroneously accepted the merchant 's response at face value despite my provided documents disproving their refutation before it was even offered.
Product: Credit reporting or other personal consumer reports

I was looking through my credit report this morning and noticed some unauthorized inquiries that I had never applied for. According to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. I contacted the credit bureaus and they refused to remove them.
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 Experian 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 Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX
Product: Checking or savings account

Citizens bank Total debt In rearrs due to bank overdraft policies, I could not take out money but they allowed hundreds of dollars of auto pay withdrawal from my account be paid from XXXX on until they put my account in to collections I ended up with a XXXX plus debt and they also garnished a 1 week worth of work during covid that I was still not collecting unemployment or pua benefits from my separation from work date on XXXX and then garnished a XXXX dollar check from working for a day labor employer they have been the reason that I could not get essential debt assistance from nonprofit organizations and I will have to work with a cfpb.gov agent to go over their flagrant disregard of financial hardship of a customer who repeatedly asked for assistance haven have to email an executive at the XXXX XXXX NY headquarters with still no assistance actually only adding more frustration of the local branch being even more unwilling to work with me
Product: Debt collection

On XX/XX/2018 I paid {$70.00} in full to have a item removed from my credit report. They did not tell me over the phone that if I paid the account the Item would still remain on my report.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to formally address a serious issue regarding unauthorized and inaccurate information being reported on my credit file. I never provided consent for this information to be added to my report, and its presence is a clear violation of my right to privacy. It is both insulting and defamatory to have such erroneous details associated with my name. This inaccurate reporting is directly harming my XXXX XXXX and negatively affecting my life, as I am facing repeated denials for new credit applications due to your negligence. I want to emphasize that both XXXX and XXXX have already reviewed this matter and confirmed that the information was inaccurate and unverifiable, leading to its removal from my reports.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/ DEPT OF ED XX/XX/
Product: Credit card

Chase card services refuses to credit me {$80.00} for work I had done with XXXX to repair my car in XXXX Florida back in XXXX 2015 ... XXXX did shappy work on my car, over charged me, and ripped me off. I then had to go to another auto shop pay them {$80.00} to get the problem corrected that XXXX created, and make the correct repair. I explained this to a chase supervisor and dispute department over the next month with no positive results. I was told it would take two billing cycles to resolve the issue and get my money back.. We are now in the 3rd billing cycle with no resolve. As a long term valued customer of chase cards and banking I would like chase to come forward in favor of my {$80.00} and credit me immediately. From what I can tell, Chase Card services do not back their customers!! I do not appreciate it. I have never in my life seen this type of business incompetence. As a Consumer I will not stand for this kind of unfair business practice. Also as a long term valued customer of chase banking I am dropping my bank account and going elsewhere. They are horrendous. 

Since XXXX charged me {$140.00} on my Chase card and even after i brought the car back again they said the work was done properly, it was not. I had to go to XXXX and Pay an additional {$80.00} to have the work corrected. I am disputing {$80.00} from my card to be credited back to me. There should be no excuses. I submitted all paperwork that chase cards requested months ago! 

XXXX XXXX
Product: Credit card

My friend referred me to apply for XXXX credit card on XX/XX/year>. I applied the credit card through the referral link, and got approved. According to the terms and conditions provided by XXXX, my friend should get the referral bonus immediately after the card is approved. However, XXXX XXXX is not awarded. 

I contacted XXXX  support and they claimed that I was referred by someone else, so my friend won't get points for my application. I asked XXXX whose referral code was used to created my account, but they refused to provide the information. 

I am submitting the complaint because this is not a unique case. I also did not receive bonus points for a referral on XX/XX/XXXX. Hundrends of people complained about missing bonus points on reddit. Thus, I believe XXXX is performing a scheme to avoid paying bonus points to customers.
Product: Mortgage

LOAN # XXXX OCWEN LOAN SERVICES4 Months ago we request Hamp Loan Modification : XXXX this is XXXX XXXX XXXX XXXX on XX/XX/XXXX our business suffered a financial loss therefore I had requested to Ocwen Loan Services loan modification on our Home. Bankruptcy or Fore Closure is not an option we are willing to take. We have enough equity and after XX/XX/XXXX New Job. We had contacted Ocwen for the loan modification, they had advised to us to stop paying for the loan, since they said this had to be done in order to qualify for the modification program. I ended up checking my credit report, and they had reported it and my credit score took a huge hit. This has also created more damage in our business since now I can not apply for anything. We have still yet to hear back from Ocwen in regards to my loan modification Status after 4 Months. I want to file a complaint & maybe if somehow someone from your department could look into this, I would greatly appreciate it. Also, are there any options I have available in order to avoid foreclosure of my real estate. We only need loan modification ut it seems nearly impossible, Ocwen do not assist in any way and they never respond to us with any offer after 4 months we send all documents via e mail pdf, XXXX certifided mail, etc.. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention.I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your help to remove the fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was my previous cable provider : account number XXXX. The account was paid in full before transferring to XXXX. I never received anymore bills after my last payment of {$370.00} on XX/XX/2017. Recently, after multiple attempts to get my last bill. I just received a XXXX bill of {$170.00} for XX/XX/2017 that I do not owe. There is an amount of {$250.00} on my Equifax credit report that I do not owe negating my credit report. I would like this information to be removed from my credit reports.
Product: Debt collection

I received a communication from Transworld systems inc. regarding a false debt that I never owed. There phone number is XXXX. There stating this is a debt due to XXXX XXXX XXXX XXXX XXXX which I lived at for over two years. If this debt was even valid at all. It would have been charged to my account accordingly and being that I was in no default at all to them this makes no sense.
Product: Credit reporting or other personal consumer reports

XX/XX/ late payment was applied to my credit report 15 U.S.C. 1681 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons State rights to consumer privacy
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account appearing on my consumer credit report. The following Account is fraudulent and is appearing as duplicated ( Twice ) on my credit report which is illegal violating my rights within the FCRA and FDCPA laws and this account need to be deleted. I do not recognize this fraudulent account as mine. I have been a victim of a data breach and Identity Theft. Kindly block and delete the Account Name : [ XXXX XXXX ] XXXX Account number : XXXX ] within 4 business days as required by FCRA 605B, 15 USC 1681c-2 . Please Remove and Delete this fraudulent, incorrect, inaccurate, duplicated and unauthorized account from my Credit Report immediately. They are hurting my ability to obtain credit. Please find the attached FTC Report, Affidavit of Truth and other relevant documents.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security number is. I have reviewed my credit report and found an error that needs immediate correction. 

Account Information : Creditor : XXXX XXXX XXXXXXXX Account ID : Date Opened : XX/XX/XXXX ( Experian ) Date Last Active : XX/XX/XXXX ( Experian ) Date Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX ( Experian ) Current Status : Repossession Nature of Dispute : The account is inaccurately reported as a repossession. According to the attached " Notice of Proposal to Accept Collateral in Full Satisfaction of Obligation '' from XXXXXXXX XXXX XXXX  XXXX dated XX/XX/XXXX, the lender proposed to accept my vehicle ( XXXX XXXX XXXX XXXX XXXX  : XXXX as full satisfaction of my debt. I accepted this proposal on XX/XX/XXXX, as evidenced by my signature on the document. The document clearly states that upon acceptance, I would have no further obligation to pay the remaining debt, and the vehicle would not be considered a repossession. Reporting this account as a repossession is inaccurate and misleading. 


FCRA Violations : Inaccurate Reporting : The Fair Credit Reporting Act ( FCRA ) requires that only accurate information be reported. Reporting this account as a repossession violates FCRA provisions by misrepresenting the nature of the agreement ( 15 U.S.C. 1681e ( b ) ).

Failure to Correct Errors : If I dispute this error and it is not corrected, it further violates the FCRA, which mandates that credit reporting agencies correct or delete inaccurate, incomplete, or unverifiable information within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 

Requested Action : I request that you : Correct the status of this account to reflect that the debt was fully satisfied without repossession. 

Remove any negative marks associated with this incorrect repossession from my credit report. 

All credit reporting agencies involved stated they did an investigation and found the provided evidence as insufficient, which is severely incorrect. The first letter was sent and then the second letter sent less than 30 days later, because I received a response from the credit reporting agencies. Experian nor XXXX properly responded to method of verification, instead once again stating the information was accurate and that I needed to contact the original creditor directly.
Product: Credit reporting or other personal consumer reports

To whom it may concern I applied for an XXXX  loan in the fall to only XXXX company which is XXXX XXXX XXXX XXXX. I did not give consent to the dealership to use my credit for any other XXXX  loans. I recently checked my credit report and was shocked to see numerous XXXX XXXX inquiries which I have no recollection of. I am assuming that they tried using my credit to approve any auto loans that they could with my report. I also submitted an Identity Theft Report to the Identity Theft website but have yet to see any progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the 3 students loans on my credit report with the 3 credit bureaus because they have inaccurate/incomplete payment history on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other dates. All 3 bureaus sent back results saying verified as accurate. I uploaded doctuments showing that there are months that have unknown/no data for the paymemt history. I got the same results back after the re-investigation saying verifiedas accurate. Ive asked them to send me documents on how they where verified or delete them and they have done neither.
Product: Debt collection

My information was part of the data breach, and I will need all information deleted as soon as possible off of my credit report and stop being reported for the accounts do not belong to me
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submission. Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB, s recent administrative proceeding against them for similar violations. I request that CFPB take action to ensure Experian complies with the necessary proof if investigation.
Product: Credit reporting

Experian reporting a collection agency in my report but they have different social security number and I was deny a mortgage loan for that issue.
Product: Prepaid card

These cards can not be used online for ANY purchases. Ive added to XXXX pay successfully, but even with that, NO purchases can be made online. I have made complaint after complaint and now have approx XXXX $ left on these cards that I will never use. 
This is all over the internet as a problem and can not figure out how to use these. I do not like shopping in stores very often and forget i have these BULGING in my wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to this account, there have been various issues. A letter was received, from OCC, earlier this year, stating company had obvious errors among credit reports. Attempts were made with credit bureaus, in regards to the reporting, yet no changes were made. Disputes with credit bureaus came back as verified. In turn, company mailed letter, dated   XXXX   XXXX   XXXX  , more than 60 days, since last complaint about this company. In the body of the letter, there are instructions to contact each credit bureau individually. his method was previously attempted. Each credit bureau is reporting different dates of delinquency, The company states in the letter dated   XXXX   XXXX   XXXX  , the account first became delinquent on   XXXX   XXXX   XXXX  , although  one  credit file has the first delinquent date as   XXXX   XXXX  . Another credit file has the date of first delinquency as   XXXX   of  XXXX . I have attached copies of the credit bureau files for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Equifax, notarized and certified mail. Stating that there are inquiries that I do n't recognize and I did n't authorize or signed any documents. Therefore I want them deleted, they wrote back stating that a third party may access your Equifax credit file to assist in the underwriting of your request for credit.