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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I did not authorize this company to pull my credit, and this fraudulent inquiry is completely unacceptable. I demand immediate removal of this unauthorized inquiry from my credit report.
Product: Credit card or prepaid card

I have a BestBuys credit card, and my previous credit limit was {$3500.00}. My balance last month was {$1.00}. I have always maintained my account current and made all payments, maintaining a good record with the company. I also have an excellent credit score history with all credit bureaus. I forgot to make the XXXX payment this month and I receive a letter from BestBuy stating that my credit limit had been reduced to 10 % of it was before to {$350.00}. See documentation attached. I am supplying with this complaint the letter I received, and two statements, one shown my credit limit of % 3,500 and the other shown the new credit limit of {$3500.00}. 

Since my credit limit has been reduced, this will impact my debt to credit ratio, which will impact my credit score considerably. I find that the measure taken by BestBuy Credit Services is disproportionate to the debt declared on the card statement, and disproportionally harmful. Also, I am concerned that this company might be treating minority clients unfairly. I have heard in my community about others who have had similar experiences.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint because I have several credit inquiries from all XXXX credit reporting agencies that's affecting my ability to obtain and use my credit to its maximum potential. 
XXXX reporting agency is reporting XXXX unauthorized inquiries that's not connected with any open account that's reported on my credit profile. 
Here are the dates and accounts that are reporting unauthorized on my credit profile XXXX XXXX  on XX/XX/2023 XXXX XXXX on XX/XX/2023 XXXX  XXXX XXXX on XX/XX/2023 XXXX XXXX  on XX/XX/2023 XXXX reporting agency is reporting XXXX unauthorized inquiries thats not connected with any open account that's being reported on my credit profile. 
XXXX XXXX XXXX on XX/XX/2023 XXXX BANK on XX/XX/2023 Experian credit reporting agency is reporting XXXX unauthorized inquiries that's not connected with any open account that's reporting on my credit profile. 
XXXX BANK XXXX XX/XX/2023 XXXX Experian XXXX XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023 XXXX CARD on XX/XX/2023 All of these listed inquires are unauthorized and shouldn't be listed on my credit profile.
Product: Checking or savings account

i wrote my bank in hopes of recovering funds after having my money stolen by a con artist online i even went as far as getting a police report on the account i was advised by the bank teller. i was told by phone it was nothing that could be done i have mailed them before about the matter and nothing has happen about the guy stealing from me. i love my bank but this matter was mis handled and they didn't even have the police report they just said they cant do anything i just mailed it the day i got the letter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I send Experian a certified letter along with a copy of my passport, social security card, a utility bill and a bank statement to update my address. 

On XXXX, XXXX, 2022 Experian sent me a report number : XXXX. I called the number and Instead of updating my address they did nothing. In other words, I don't have an address showing on my consumer report. 

15 USC 1681e ( b ) states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They have violated that law. 

Because my home address isn't being reported, I can't obtain credit from any lender who pulls from Experian. This is impeding my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It matters not how many times I report these errors you do nothing to correct them. Once again incorrect data and I am denied a loan or get a usurious rate in attempting to finance. In my opinion you inhibit me from gaining financing because of your inability to provide the correct data and score in a timely manner. This is most adverse to those who you allegedly report accurately on. Passing the buck to banks and lenders who have no interest in timely reporting because in the delay they can make more money- fact!. In this case you received confirmation of balance from a lender days ago to insure it was posted in a timely manner and it is still incorrect! You even prohibit me from dispute and correcting it- that alone says a lot. You also allow unknown entities to inquire on my account unauthorized and then have the gall to lower my score which I consider evil. Where is the business ethics? Also I am allowed by law to shop but your oblivious to that since you do not even allow that! CREDIT History inaccurate Submission Failed icon -You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. Really says a lot about you. You would rather report incorrectly and keep my score low! So I am penalized because THEY fail to report in a timely manner. BY opinion a great evil scam! Why are you disputing?? CREDIT UNION? Balance incorrect error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to Experian to be recorded on your credit report. You got that right! We'll update your balance as soon as we receive your payment information from your creditor. Meanwhile whats my score and why did it go lower? As for the 42 inquiries you always warn me about- who the He @ # gave them permission- OH YOU- got it- I never gave them permission but yet you lower my credit score to XXXX because I have nothing to say to stop them. It speaks volumes XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. SURE KEEP IT ON AS LONG S POSSIBLE -WHY- it keeps my score lower- Great Job! Not disputable online to who you are! Need more? I think not you know who you are and why.
Product: Debt collection

XXXX Debt collections services is continuing try to collect a debt that was discharged in bankruptcy. I have submitted the appropriate documentation to XXXX and requested this information be removed from my credit files. XXXX has continued to harass and attempt to collect this debt. Please see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to XXXX  due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have officially filed complaint with the Federal Reserve - Minn against multiple Creditors ; Equifax, XXXX and XXXX XXXX ( XXXX Specifically ) and the CFPB. 

My legitimate issues are being ignored. 

I am frustrated and angry.
Product: Debt collection

I received a bill from XXXX in XX/XX/XXXX, trying to collect {$300.00}. The bill stated that I must pay immediate charges for a XXXX Non-return Fee. I never received that equipment. The cellular account was closed by XX/XX/XXXX. My attorney requested information on that year and XXXX and sent a letter to XXXX. They explained that I have XXXX  balance and no more intention for collection. Unfortunately, I no longer have the letter. Now, I received an email from my XXXX XXXX XXXX ( which monitors fraud or changes on my credit report with XXXX ) saying that my credit score was reduced to XXXX when my score typically ranges between XXXX and XXXX. I feel affected by the company collector named RADIUS GLOBAL SOLUTION ( on behalf of XXXX ), and this is reflected on my credit report.
Product: Credit card

I consistently make on-time payments, of which I'm certain. However, I'm unsure why this company reports me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors must be corrected, or they'll owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiries are all fraudulent accounts and credit inquiries : XXXX XXXX XXXX XXXX, {$3300.00}, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. I filed a police report with the XXXX Police Department. The police report case number is # : XXXX. The XXXX Police Detective who wrote the police report and is the investigating officer on the case, his name is : XXXX XXXX, of the XXXX Police Department Fraud and Forgery Unit, and his phone number is # : XXXX. Detective XXXX can verify that all the above accounts and credit inquiries are all fraudulent accounts and credit inquiries that are not my accounts or credit inquiries.
Product: Mortgage

I am the administrator of my late mother 's estate ( death certificate and my appointment attached ). At the time of her death and at the time of the modification in question, my mother had been declared incompetent, and the XXXX of Ky. ( " XXXX '' ) was acting as her legal guardian. 

My mother 's mortgage was owned by XXXX and serviced by Rushmore. Rushmore had initiated a foreclosure, but with my uncle 's assistance my mother avoided the foreclosure by securing a HAMP modification ( attached ). The XXXX signed the modification on my mother 's behalf. 

The modification provides several different dollar figures : * Original Loan Amount : {$100000.00} * Unpaid Principal Balance of the Original Obligation Secured by the Existing Security Instrument : {$94000.00} ( para. 4.P. ) * New Principal Balance : {$120000.00} ( paras. 3.B. and 4.P ) Neither the XXXX official who signed the modification on my mother 's behalf nor the XXXX 's attorney who reviewed it and notarized it understand how Rushmore arrived at these figures.
I have repeated asked Rushmore for an explanation of these numbers and the differences between them ( attached ), but they have yet to provide any answers.
The house is now under contract, and we hope to close in late XX/XX/XXXX. Rushmore has provided a payoff amount of {$130000.00} ( attached ).
I question how Rushmore added another {$32000.00} to the Balance of the Original Obligation to arrive at the new Principal Balance and whether these additional charges are consistent with the HAMP program. I need them to reply quickly so that we can resolve this issue prior to closing. 

The account at Rushmore ( # XXXX ) is currently being handled by XXXX XXXX / XXXX XXXX XXXX XXXX / XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On three credit reports XXXX, XXXX, experian shows I owe money to XXXX XXXX XXXX opened on XX/XX/2019 for XXXX dollars.
Product: Mortgage

On XX/XX/XXXX, I received my monthly statement from Amerihome Mortgage. On the statement, there was a {$16.00} Property Inspection Fee applied on XX/XX/XXXX. After calling, I was informed that this inspection fee was triggered because my account was reported 45 days past due. This is not correct. Amerihome Mortgage bought my mortgage from XXXX XXXX. Before my first payment was due, XXXX sold my new mortgage to Amerihome. My first payment was sent to XXXX per the instructions, however, they posted this payment incorrectly. This caused several problems with my credit report and false delinquencies. After 2 complaints to the CFPB concerning this issue, this issue was corrected and my credit score repaired.
Product: Credit card or prepaid card

I have called Chase more than 10x with repeated trouble using my Chase credit card. It is constantly being blocked due to an automatic security protection measure related to trying to use the card on contactless via XXXX, but this is not warranted as all the purchase attempts have been legitimate. I have called in repeatedly to verify my purchases and to unblock my card, yet the problem occurs again and again and again. I can not keep calling in ; I am unable to use my card as intended and no one at Chase is able to prevent the card from continually being blocked on about 50 % of my contactless purchase attempts. Furthermore, I am not even told about the security measure nor asked to verify it is me attempting a legitimate purchase - instead, the card is simply denied. Chase thinks they have set these alerts up successfully, yet I have never received one. 
This is super frustrating and I can not use my card. It is untenable to expect me to keep calling in to have my card unblocked.
Product: Mortgage

Ocwen Loan Svc took over my mortgageXX/XX/XXXXXXXX  Constant missing info on statements, late on paying my homeowners Ins to point I have to monitor it gets paid. They will send letters saying they have to buy supplemental Ins because not covered appropriately when insurance covers 125 % replacement. Every year. BUT MY REAL ISSUE IS XXXX DROPPED MY CREDIT REPORTING FROM LOAN ORIG IN XXXX and OCWEN REFUSES TO REPORT MY STATUS, LENGTH OF EST LOAN BALANCE, PERFECT PAYMENT HISTORY etc. Since they do not comply with reporting, It appears I only have 2.5 years of credit and I 've owned multi mortgages & middle aged. Currently Ocwen has demanded I PROVE THEY ARENT REPORTING. I did, I sent copies of yearly reports, faxed, mailed, called Research Department as instructed and told they are reporting. Gone on over 2 years. Please help me. At the end of my loan modification, my " Relationship MGR '' XXXX, promised me she would handle lack of reporting. I followed up with Research Dept requirements in addition because of poor history of honest response or actions promised. NOTHING. They pay my mortgage Ins late & my premiums go up, they do n't report perfect payment history which I have proof of all payments sent return receipt, signature required.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main financial is saying I owe them money, in which I do not. I was a victim of identity theft and this was verified. I filled out a police report, I've written letters. The fact one main is reporting this account twice under 2 different names is a violation. ( one main, and one main financial ) this is not my account and needs to be removed from my credit file This has caused so much hardship in my life from having my identity stolen. They need to remove this from my file, they have nothing with my permissions or signatures use validate this on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle doesn't belong to me. I see on my report that this was paid off. I have contacted this company to let them know the owner of the vehicle has file for bankruptcy and has made arrangements. I requesting for this to be removed from my report. I am a single parent trying to raise my kids, this is affecting my way of life. Please help me!
Product: Credit card

The Home Depot Consumer Credit Card automatically allocates any payment to a deferred interest balance if said balance is due to expire within XXXX billing cycles. This forces interest on any revolving balance. 

For instance I have a {$500.00} dollar deferred interest balance and {$250.00} in revolving balance. If I pay {$400.00} it will lower the deferred balance to {$100.00} and leave the revolving balance at {$250.00}. In a 30 day month that results in " forced '' interest charges of {$5.00}. 

I understand the idea behind this practice as it will help consumers pay off their deferred balances before the due date, but, for people who properly manage their accounts this becomes a major issue. 

Home Depot Credit Services is unable to change this automatic payment distribution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting a charged off account on my reports. I have disputed this account both with the credit bureaus as well as directly with XXXX  XXXX XXXX and have yet to hear back from either of them. Furthermore, XXXX  XXXX XXXX is verifying this inaccurate account with the credit bureaus and each bureau is reporting multiple inconsistencies concerning this debt such as, different account numbers, different last active dates as well as different last payment dates. How is this account able to be verified if they arent even able to reports a validate consistent information on my reports? They are in clear violation of my rights as a consumer to dispute inaccurate information from my reports as well as report inaccurate information on my credit report. I am requesting that this account is deleted from my credit reports and all documents concerning this account be mailed to my address!
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo ( XXXX ) To : you ( Bcc ) + 1 more Details Wells Fargo logo Validate your email address now Your Email verification is required to continue using the service, validate your email to avoid loosing your account service. Wells Fargo Online. You have 1 day ( s ) to validate your email address or your online account access will be canceled.

How to update your email address : Simply sign on to your account at www.wellsfargo.com/security & support/contact-information/ and follow the instructions to enter your 6 digit validation code. Entering the code below will validate this email address. 

Validation Code : XXXX If you have any questions, we're available at XXXX, 24 hours a day, 7 days a week. 

wellsfargo.com | Security Center Please do not reply to this automated email. Sign on to send a secure email. 
XXXX
Product: Credit reporting

XXXX XXXX and the Michigan XXXX XXXX XXXX my Federal tax refund in the amount of {$2700.00} on XXXX XXXX, 2015, however I paid by loan in full with penalty and interest On XXXX XXXX 2015. The overage was not reflected on my credit report, not has the full amount been returned. I requesting the following : because it is a reported error, that all references of XXXX XXXX and Michigan XXXX XXXX be removed from my Credit report in conjunction to applicable FCRA. I submitted documentation to Equifax regarding this matter On XXXX XXXX 2015, there response that was this information was verified, However by reason of the facts and circumstances supported by the documentation submitted all references to Michigan XXXX XXXX should of been removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a data breach with XXXX, and I see some inquiries on my report that I don't recognize.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX