23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I worked in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted Chase Bank to let them know that I was affected by the pandemic and would not meet my obligations in XXXX and XXXX. I asked if I could skip the XXXX and XXXX payments, which I would catch up on in XXXX when I received my income tax return. But because my account was closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus as delinquent payments. They did tell me that if I had not had a previous hardship, they would have honored my request. The XXXX act protects consumers and requires furnishers who call with a Coronavirus complaint to note accounts as current. 
I was discriminated against because I had a previous financial hardship. My son has XXXX and was hospitalized for XXXX XXXX when I had the first financial hardship. I was on XXXX XXXX XXXX XXXX without paying to be with him. I was not sure if he was going to make it. It was a scary time for me as I am a single parent with no financial or emotional help from anyone else. I could have filed for bankruptcy or not paid my obligation, and it would be off my credit report in another year. Instead, I chose to do the right thing, close my accounts, and work out a payment plan with my credit card companies to pay back what I owed them. Making the monthly payments was not easy, but it was the honorable thing to do. I faithfully paid what I owed to the credit card companies. In XXXX and XXXX of 2021, I could not make the payments to Chase Bank due to the Covid pandemic. I was advised to call the credit card companies to let them know about my situation and ask for a two-month deferral to make up all the past payments and make the accounts current with my income tax return, which I did. I also read that in the Cares Act, the creditor was supposed to report all payments missed due to Covid as current and not delinquent. The above creditor reported these missed payments as seriously delinquent and did not follow the law. Before XXXX of 2021, I had never had a delinquent payment in my XXXX credit history. 
Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these two past due payments, my credit score has dropped over one hundred points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. I do not get child support and have no family to help me. I used credit cards to help me take care of my children. I want Chase Bank to delete the delinquent payments reported in XXXX and XX/XX/2021 and mark them as paid on time, current and agreed upon. I would like to have them delete all delinquent payments due to my record and according to the Cares Act. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX I XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is continuing to report incorrect information on my consumer report. 

The inquiries listed below I did not authorize and they should not be listed on my consumer report. 

EXPERIAN XXXX XXXX  Date of requests ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX Account name XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX Account name EXPERIAN XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name Date of requests ) + Options XXXX  XXXX XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name EXPERIAN Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX  Date of requests ) XX/XX/XXXX Account name XXXX XXXX Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of requests ) XX/XX/XXXX These inquiries need to be immediately deleted.
Product: Debt collection

AARGON AGENCY INC is attempting to collect a Debt on behalf of XXXX XXXX XXXX on an incorrect balance. This claim was first opened/posted XX/XX/2016 for the amount of {$420.00}. I am contesting these charges because I believe these to be fraudulent, at that time I was covered under my Fathers insurance and any amount that needed payment would have been covered under insurance. I do not recall going to XXXX XXXX to receive any medical treatment, if I were to go to any Doctor, it would have been our primary physician at the time. Attached is the insurance that I was under at that time.
Product: Checking or savings account

I had suggested to Bank Of America that they should add Airlines to their categories of their debit cards. I asked them if they had received it and they gave me a inappropriate answer.
Product: Money transfer, virtual currency, or money service

Funds were stolen from my XXXX and XXXX wallets and transferred to a Binance Wallet using XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

I filed a fraud report on a charge that I did not make. While Citi did attempt to contact me three times regarding signing the attestation that the charge is indeed fraud, I wasnt able to call back. They also sent two emails with the information, but the links expired and I was unable to view/sign what was necessary. When I got a letter saying the charge was deemed to be valid, I called and told the representative that I wanted to appeal the incorrect decision because I did not make the charge. I specifically mentioned that I legally deserved a credit, at the very least temporarily, until the case is actually resolved. I told the representative I didnt want the fraud charge being reported to the credit bureaus as a balance because the charge was incredibly high dollar, and she confirmed it wouldnt be. I got my statement and the balance does reflect the fraudulent charge and my minimum payment was calculated off of the full statement balance. This is an FDCPA violation and if it is not corrected, I will take further steps, including exercising my ability to a private right of action. I did not make this charge and the information provided by the merchant is lacking facts as it suits them in their chargeback attempt. Ask the merchant what the shipping address was, because nothing was shipped to my residence. The information provided by the merchant intentionally leaves out the shipping address and only includes billing address ( which clearly the fraudster had ). I am protected by FDCPA and Citis zero fraud liability policy in the terms and conditions of the card. I expect Citi to recognize its legal obligations in regard to consumer protection regulations.
Product: Mortgage

My mortgage was modified by Ocwen in XXXX ( attached ). Ocwen has since transferred the servicing to PHH. Neither Ocwen or PHH have recorded my name to the owner 's deed or title. This has caused issues with future financing or listing the property for sale. Per RESPA and CA Codes ( gov:27320-27337 ), PHH is required to record me as owner pf the property, per the listing on the deed and title. Both Ocwen and PHH have refused to acknowledge requests for this recording to take place. PHH also lists my payment 30 days late in XX/XX/XXXX. My payment was not 30 days late and PHH has refused to correct the error. Per the FCRA, proper credit reporting is required. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
self/ lead : # 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act 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 according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

I have six separate loans serviced by Edfinancial, one of which ( Loan 4 ) was paid off in XXXX. On XX/XX/XXXX, I paid off Loan 5. I did not realize that my employer also made a payment that day, which had the effect of showing a negative balance, which was then and still is now a {$73.00} credit. 
I understood the cause of this issue and waited about a week before contacting Edfinancial to get this corrected, hoping their systems or a human would recognize the issue. That did not happen.
The rep I spoke to said she understood the problem and assured me the credit would be applied to Loan 6 shortly. 

I waited about six weeks, until XX/XX/XXXX, watching every day my Loans 1,2,3, and 6 accruing interest, while Loan 5 sat with an unchanging {$73.00} credit. On XX/XX/XXXX, I called and spoke with XXXX, who assured me she understood the problem and would send it to the finance team, where it would be resolved within 15 days. She also told me the prior rep had entered wrong details, and that was why it hadn't been resolved. 

I waited four weeks, until yesterday, XX/XX/XXXX, and called again. This time I spoke with XXXX. After putting me on hold a few times, he also assured me the finance team would handle this, but that the prior rep had been wrong, there is no 15 day timeframe. There is no timeframe for resolution, but, it wasn't abnormal for a problem like this to remain unresolved for 2.5 months. I requested a supervisor. He told me a supervisor would call me within 24 hours. That was a bit over 36 hours ago. Nobody called me back. 

I can not pay off Loan 6 until the credit from Loan 5 is applied. I would like to not accrue interest on a balance on Loan 6 that should be {$73.00} less for the last 2.5 months. I am concerned that if I ignore this error and pay off the recorded balance of Loan 6, that Edfinancial will simply move the {$73.00} credit from Loan 5 to Loan 6, replicating the problem. Mostly, I would like my student loans to be serviced by a firm that is competent to fix minor errors without several phone calls and a complaint through CFPB.
Product: Debt collection

This debt collector is attempting to collect an alleged debt that is now time barred from credit reporting or a lawsuit, thus, they purchased it for a few pennies on the dollar. By way of this complaint, the business can cease and desist text messaging, US Mail letters or any other communication tactics. Further, the business should not be forwarding this another " friend in the business ''.
Product: Debt collection

Hey my  name is XXXX XXXX XXXXXXXX I have recently discovered unauthorized fraudulent OPEN AND CLOSED ACCOUNTS and INQUIRIES on my  XXXX, Transunion 's And XXXX XXXX  report To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ), I challenge all inaccuracies and deficiencies of reporting. Per the FCRA compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy. ( 15 USC 1681 ( Section 6 0 4A Section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Payment history/late payments is inaccurate and contradict my records and that of the other bureaus. report also contradicts Transunion own reporting from my credit report pull and what they actually carry on their website. 
I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 

account number XXXX account name XXXX XXXX  account number XXXX account name XXXX XXXX reporting on XXXX XXXXXXXX XXXX from data pulled from Transunion shows that I have 3 missed payment on my auto loan with XXXX XXXX and 5 missed payments with XXXX XXXX  account number XXXX. This information is in accurate, I requested my annual credit report and it has different information reported on it which is in line with my records as well. I have XXXX missed payments with XXXX XXXX and 1 missed payment with XXXX. 
I will attach screenshots of my XXXX XXXX report as well as of my annual credit pull report so you see your inconsistency I will will forward this to XXXX XXXX as well for investigation and correction and if this is not adjusted or reported correctly i will be forced to take legal action against you
Product: Credit card

This is my second time writing to file a formal complaint regarding a CHARGEOFF/COLLECTION account labeled " XXXX XXXX XXXX ( Balance {$12000.00} ), XXXX XXXX ( Balance of {$7900.00} ), XXXX XXXX  ( Balance of {$6000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 
The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit card

On XX/XX/XXXX I requested that the fraud claim for the chase business card ending in XXXX be reopened and further investigated, this is my third request. 
I was told this account was opened in XXXX. I did not open this account. I have never been affiliated with the businesses XXXX. I have never made a payment on this account from my checking or savings accounts. I have never been in possession of this card, nor have I used it to make a purchase. I did not recieve any of the paper statements and I shared this XXXX XXXX XXXX my soon to be ex husband. He is still able to access this XXXX XXXX as the combination has not been changed and he still receives mail to this address. This debt did not show up on my credit report until he stopped making the payments this year. 
On XX/XX/XXXX I did request that an investigation be completed pertaining to what account the payments were made out of. 
To date, they have found me liable for the debt because paper statements were sent to my mailing address and a text verifying the account was sent to my phone. I only recieved this text because I was trying to access the account they were attempting to make me pay the debt on and needed to change the password, as I didn't set it up. 
I don't have the full card number as I've never been in possession of it.
Product: Credit reporting or other personal consumer reports

Hi, Ive been writing letters to the consumer reporting agencies office since XXXX concerning these 3 unfamiliar accounts they've added on my credit report. 

XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Account # : XXXX Please know that this XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Account # : XXXXhas long been deleted in Transunion and XXXX side but XXXX still shows this in their record. I'm not also familiar with those other two accounts. Kindly help me in the removal of those accounts.
Product: Debt collection

I hace asked them to provide me in writing how is they resolved this debt is mine and yet they have not responded I have disputed this debt with experian to removed it and also with XXXX XXXX so far only XXXX XXXX was able to removed it not experian.
Product: Debt collection

I mailed a letter to InDebted USA Inc. XXXX XXXX XXXX XXXX, MO XXXX on XX/XX/year> I let them know I did not receive the debt was mine and to send validation of the debt in the amount of {$630.00} and to stop debt collection practices until then. I have not received validation of the debt and they have sent me emails to collect on the debt on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>