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

XXXX XXXX XXXX Misaddress My Us Bank XXXX! On XXXX I Had Discovered My Card Did Not Come In A Timely Manner There Was Over XXXX Dollars Or More Took Out Of The Account ...!! I Had To Get A New Card Sent To My Home Address ... There Were Reports Written Out By The XXXX Police Department As Well As To The Company Was Informed As Well And Did Nothing About The Miscellaneous Transaction ...! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX Is My New Number And The Number Associated With The Account was XXXX ....!
Product: Credit reporting or other personal consumer reports

I have contacted XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/year> to remove all dispute remarks and comments from my credit and still hasn't been removed. Also, XXXX has dropped my credit by XXXX points as well. This causing me to unable to refinance my home. 

I've been given a confirmation # XXXX from them and the individual didn't remove the remarks. I received another confirmation # XXXX for removal and still hasn't been done. 

I've had no new late payments on account and they dropped my score. 

My other complaint is with Transunion. They haven't raised my score in months. No delinquencies
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for both Equifax and XXXX Banks with whom I had a XXXX XXXX XXXX back in XXXX. I opened the account kept it in excellent standing, and after paying the card off the next year I closed it. It remained on my Equifax credit file as and account in good standing until XXXX. 

In XXXX, XXXX bank sent me an email saying I should call them and update my mailing address. When I called I was told that the closed account had a positive balance and they said they would mail me about {$40.00} to the updated mailing address I had just given them. I never received the check. Around this time I also noticed that XXXX was only updating the status of that account to Equifax and not the other two credit bureaus. I called XXXX and they said that they would reinsert them to the other files. 

In XXXX I saw that on my Equifax file XXXX had done a hard inquiry, which I did not feel was necessary or justified since I no longer had an open account with XXXX and since it negatively impacts my credit score. 

In XXXX of this year XXXX sent me a strange letter saying that they investigated my claim ( which i never asked for ) and found that the account was not opened by me ( it was ). The rest of the letter detailed how they would remove it from my credit and shut down the closed account. Today on XX/XX/2022, I called XXXX and told the file m in no uncertain terms that the XXXX XXXX account wa opened by me, paid regularly and paid off and then closed by me. They told me that Equifax disputed not the inquiry, but rather disputed the legitimate account on my behalf and therefore they could not reinsert and suggested I call Equifax. 

A series of bumbling errors have been made by both companies and the end result is that is detrimental to my credit file. The XXXX extras card was opened by me, is mine and as such I have a right to not have it disputed without my permission as there is no error in its reporting.
Product: Debt collection

I have a unverified account from XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX Cease and Desist all further communications. XXXX XXXX  needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.,  you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Product: Credit reporting or other personal consumer reports

I have been asking for a updated copy of my credit report and score and Experian is refusing to give me XXXX or even do it online so I can see it and it still says my report has not been updated since XX/XX/XXXX and XXXX XXXX says it hasnt been updated since XX/XX/XXXX its ridiculous and damages my credit worthiness with creditors they are in complete violation of XXXX XXXX XXXX and XXXX XXXX XXXX and I will be seeking damages in the amount of {$5000.00} via my attorney they said I dont have an address on file I just moved to XXXX  and my new address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX my old address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX so they need to remove my old address and replace it with the new address immediately
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX XXXX Bank of America withdrawn money ( {$4800.00} ) from my checking account and paid a credit card without my authorization and refused to refund it back after admitting their mistake. 
my checking balance end up negative during XXXX XXXX weekend and I had no money to take of my family during this holiday. 

I went to B of A branch on XXXX XXXX but they couldn't help. 

they offered to mail a check which will take 5-7 business days but I refused because it's my money and I need it right away for the holiday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transuion about fraud on my credit report and they have done nothing to FIx it even went as far as to have to send them my Police reports and an FTC report about the incidents. there are 2 fraud inquieris on my account one is from XXXX XXXX XXXX XX/XX/2020 and another from XXXX XXXX on XX/XX/2020. when i contact them by mail or phone they refuse to take it down.
Product: Mortgage

i have already filed against my bank regarding mounting fees on a loan that was paid off XX/XX/XXXX. after an investigation by your company. thought you were supposed to fight for the little person not for the big corporations. the complaint filed before was that Bank of America dipping into our account to pay our county taxes. My husband spoke to one of your representitives. could not get her to understand what we were trying to tell her. tried to get her to understand that you guys have only heard their side of the story. pieces of the story are missing. their was not there. where we had made multiple calls to customer service to BOA and multiple trips to the brick and morter branches to speak to managers and anyone that would help us with this problem to no avail we could not get any resolution. we need someone to represent us and not the big companies. this is supposed to help us the Consumer. unless you listen to our side we will have no other alternative but to seek legal help. Please reach ougt tous so that we can resolve this. 
Thanks XXXX and XXXX XXXX XXXX or XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting 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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the Inquiries below XXXX XXXX XXXX XXXXXX/XX/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: Checking or savings account

I was one of the many that opened a Savings & Checking Account with Wells Fargo in Colorado and told the credit card was the only way I could get cash from my accounts through their ATM. Fast forward to a new issue ; I opened a Roth IRA with Wells Fargo in XXXX, CO in XXXX. I was told this was a safe and secure account to earn interest and increase the savings as any IRA but not too aggressive to lose money. The account has earned next to nothing since inception. After requesting more information on what this account was actually invested in, and not getting answers, I requested a transfer form to move the account to another financial institution. This started in XXXX, XXXX and I have sent multiple emails, phone requests and in person banking requests and to date have not received the form. On XXXX XXXX, XXXX I received a letter from XXXX XXXX and another letter from XXXX XXXX stating they would 'investigate my concerns ' and get back to me in 10 days. To date they have not sent the form. My complaint is to find why my Roth IRA did not earn interest in almost 10 years. And, to receive the correct form from Wells Fargo to transfer my Roth IRA to my new financial institution. Thank you.
Product: Mortgage

This property belongs to an XXXX XXXX  XXXX XXXX XXXX The family was left with these properties without a will. 
They had to go to Court and fight to try and save the properties. 
They received no notice from anyone concerning a property sale date for XXXX XXXX XXXX, XXXX, NY XXXX. 
When the family tried to find the contact for this property, they called XXXX And there was no one to speak to they could not find the property address on their files or a loan number. We contacted Ocwen Loan Servicing with the loan number from XX/XX/2013 and they could not find or locate any information concerning the property. 

Now a person has been calling by the name of XXXX from XXXX. 
There has never been any notices of any kind sent to the Administrators of the XXXX XXXX XXXX the grand son or the co-administrator were never notified of any foreclosure by Ocwen Laon Servicing or XXXX.
Product: Credit reporting or other personal consumer reports

Around XXXX XXXX, 2023, I reached out to my then loan servicer, PHH Mortgage, seeking relief. My XXXX  finalized on XXXX XXXX, 2023, and I was at risk of falling behind on mortgage payments. Initially, PHH Mortgage approved a XXXX  plan over the phone and informed me that a plan details would be received in the mail. Instead, I received an invitation to apply for mortgage relief around XXXX XXXX, 2023. I promptly called PHH Mortgage requesting an explanation. They denied ever approving a XXXX, told me I was not eligible, and that I can apply for relief on their website. I applied on the website that night, to include all required documents. I also sent all required documents to the email address on the application form. 


PHH denied receiving all required documents in its entirety and my application for relief was placed in a " review '' status. I called to ask what documents I failed to send them, and they simply stated " other documents ''. I again sent them already submitted documents via email and through their online portal. During this time I kept the monthly payments in reserve while I struggled to meet my other obligations from my XXXX XXXX XXXX. Each week I called to check on the status of my application and to learn about the ramifications of missing payments while my application was pending. 

PHH informed me that no negative reporting would occur until XXXX  days past due. Shortly before the XXXX  day mark I called PHH again to inquire about the status of my relief application. The status was still under review. I logged into the website to settle the outstanding balance, but I was blocked from making any payments. I called PHH to make a payment over the phone, but was told that I am blocked from making payments. A representative went so far as to tell me to not make any payments as that would negate the need for the relief I was seeking. 

After XXXX  days, PHH sold my mortgage to another loan servicer, XXXX XXXX, and approved " relief '' with terms nearly double my current schedule. I applied for short term payment deferment, as offered on PHH 's application. I was instead offered an untenable loan adjustment after PHH destroyed my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -XXXX XXXX XXXX XXXX Balance : -, 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 XXXX XXXX XXXX XXXX XXXX  : -, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$1300.00}, XXXX XXXX XXXX Balance XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX Balance : {$600.00}, XXXX XXXX Original creditor XXXX XXXX. XXXX Balance : {$220.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : {$580.00}, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired onMar XXXX, XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I had a payday loan & used my debit card for payment? The bank let some charges go thru & it ended up with 5 new debit cards within XXXX! This caused my bills to go late because if bank error. No one contacted me abt the loan, no voice mails nothing. Just got new card again & was looking at my account & noticed checks from them sent to my bank & got large sum of money twice. Now here is the part I dont like when I accessed my account I was in collections & default.? they took money from my account not debit card? I did not give them permission to go to my account! I contacted my bank & was told to contact company & i did so hopefully this can be resolved! Dont put me in collection & then rob my account of hugh amount , without my permission period. I hope this helps someone else. Thanks
Product: Debt collection

I was contacted on XXXX by a company called XXXX. I asked what this was concerning and they said it had something to do with Legal Papers. I asked what type of company Kirkland Management was. They said they did not know. I was contacted the week prior by XXXX XXXX also. At that time, I did not disclose who I was and said I was a Friend of mine answering a phone call. They said I was to call XXXX for more info. I asked them as a 3rd party what it was concerning and they said it was a Judgement in a XXXX Court. Disclosing info such as this to an assumed 3rd party is illegal to my knowledge per the FDCPA, as is saying it concerns Legal Papers to a 1st party. I called Kirkland Management. The person that answered the phone was named XXXX. I asked XXXX what this was concerning. He did not give the company name or tell me they were a debt collection service upon answering. I asked what the Judgement in A XXXX court was about. He asked if I had a case ID. I said I did not. He verified my birthday and said the ID # was XXXX. He then put me on hold for XXXX minutes. At that point, XXXX answered. He told me the call was being recorded for quality assurance and that this was an attempt to collect a debt and that all info will be used for that purpose. He asked for the last four numbers of my SSN. I apprehensively gave them to him. I asked what was the Judgement in a XXXX Court was about. I asked if he knew that saying there was a Judgement in a XXXX Court was illegal per the FDCPA. He acknowledged that he knew that. We went back and forth over this and I told him that today they said it concerned Legal Papers. He would acknowledge this as being an illegal tactic also. I informed him that as a representative of Kirkland Management that it is as if Kirkland Management said it to me. He asked me if it was a recording or if I spoke to someone directly. I informed him I spoke to a person. His reply was " Wow! ". He said he would have liked to have heard what they said. I assured him that is what they said. He said he was n't calling me a liar, but again, would have liked to hear them say that. I told him I was filing a complaint with the FTC over these two issues. We went back and forth for a few more minutes before the call was terminated. Before hanging up, I told him not to call this number and that if they wanted to contact me, that they would have to do it through the mail. He said OK. I did record this call, but must buy the whole version of the app to do so. I will buy it when I get my next Social Security Check in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( XXXX XXXX Then showing payments as " OK '' paid as agreed on another bureau ( XXXX   ) Then Showing Zero Payment History For ( Transunion ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus
Product: Debt collection

In violation of 15 USC 1692a ( 7 ) Portfolio Recovery accessed my location information. Portfolio Recovery contacted I, hereinafter Consumer, on XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX   and XXXX XXXX, XXXX  without prior consent in violation of 15 USC 1692c. Portfolio Recovery caused my telephone to ring on the above afforementioned dates harrassing and abusing me with language the natural consequence of which was to abuse the hearer in connection with the collection of a debt violating 15 USC 1692d ( 2 ) ( 5 ). Portfolio Recovery used false and misleading representations in the initial communication by failing to disclose to the consumer that the communication was from a debt collector in violation of 15 USC 1692e ( 11 ).
Product: Credit card or prepaid card

I was charged {$190.00} on my Citi card by XXXX XXXX XXXX in XXXX Oregon XX/XX/XXXX. I have tried to get a copy of the charges to make sure they are correct and can not obtain one. XXXX tells me they charged me without any hard copy and XXXX states they charged me based on what XXXX reported. 

The last dealing I had with the XXXX XXXX location was XX/XX/XXXX. I do not mind paying for what I have contracted for but I also do not believe I should be paying for something without being provided with written documentation as to what the charges are for.
Product: Checking or savings account

Greetings, upon checking my report I noticed accounts that I do not own I am a victim of identity theft and also a victim from the XXXX and XXXX XXXX breach. I am requesting that these accounts be removed and blocked of my profile as they are in violation of my consumer rights. These accounts should not be furnished on my consumer report. 
XXXX XXXX code XXXX b permissible purpose of consumer reports ( a ) In general subject subsection ( XXXX XXXX XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( XXXX ) In accordance with WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in an alleged identity theft not later than XXXX business days after the date of receipt. 
Please delete!!!!!!
Product: Debt collection

XXXX XXXX has called me several times and misrepresented themselves as an attorney or attorney 's office. They left misleading messages on my cell phone and called at inappropriate times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX.