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

I file a dispute with XXXX, XXXX, and Transunion. None of the accounts disputed had accurate information and by law was not reporting correctly! This has ruined my life and affected my chances of getting a mortgage and becoming a home owner! XXXX  Expesally broke the law by updating information that's false and they sent me a letter dated XX/XX/XXXX before they updated information which negatively affected my score stating that the disputes I sent in were " illegible '' And that items were too small to see! If my dispute was " illegible '' Why and how was my report updated correctly and accurately! this makes no sense why XXXX  will break the law in this manner! I am in emotional duress and victimized by XXXX  and the other company 's action in reporting accurately on my report. Reviewing the Credit file XXXX  and other companies sent via mail dated XX/XX/XXXX, I saw That the " balance '' and " amount past due '' are dead wrong and are being reported falsely every single month on every account I disputed and this is criminal under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A )! Also under Section 611 ( 5 ) ( A ) of the FCRA XXXX  and these other companies are required to promptly DELETE all information which can not be verified accurately, But these deletions were not done at all! If the disputed documents I sent was " illegible '' How and who verified the accuracy of my accounts under the law? A criminal act was done to me and I seek justice and correction as the law states clearly under the FCRA as soon as possible! Also please be advised this is my second time disputing this inaccurate information taking up my time and money to do so with no accurate resolution in regards to the law. Also, I never dispute if the account was mine I asked them to see if it was actually reporting on my report! The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply. Also, reviewing the report, Remove the hard inquires that I did not do or allowed which are " XXXX XXXX XXXX '' and " XXXX XXXX XXXX. Also, I sent a letter of opt-out the us department of education so legally can not share the info with any third-party company! All mentioned documents will be sent in for recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 This inquiry don't have permissible purpose to be on there .this hard inquiry is hurting me to get approve i already reach out to the credit bureau multiple times they keep violating my rights under 15 usc 1681b. XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this company no knowledge of who this company is.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to find unauthorized inquiries on my credit report. Despite refreshing my browser several times, the issue wasnt resolved. I demand an immediate investigation into the documents Ive provided to ensure this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report with XXXX XXXX on XX/XX/2019. When I called Transunion, XXXX answered the phone, however I could not understand him and he could not understand me. He was talking over me as I was asking him questions. When I was tired of trying I asked to be transferred to someone I could understand. He stated that I would have to call back because he could not transfer me they were to busy. At that point I hung up and called back and made a complaint with another transunion member. I was shocked that a credit reporting agency had someone who could not speak English and who was so rude. All I can say is God help America. Is this what our country has come to. I believe everyone should have a job if it is what they want, however rudeness is not accepted, especially if you do not speak English.
Product: Debt collection

The only debt I have is a new federal student loan. Portfolio Recovery LLC has continues to call my number from various numbers despite not owning anyone debt. The calls themselves are harrassing since they never leave a voicemail and sometimes call repeatedly in one day.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX EDT, I called in and spoke with an agent ID XXXX. 

I made a payment in the amount of {$1000.00} and requested to allocate the funds as follows : 1. {$40.00} - monthly payment towards XXXX XXXX. {$200.00} - to close cash advance 3. {$0.00} - towards standard ( non-promotional charges ) 4. the rest of the money should go to the oldest ( by date ) promotional charges as the expiration date is approaching. 
Then I called in on XX/XX/XXXX and spoke with the account manager, agent XXXX and ask to correct the allocation as requested which I was told that the " correction usually takes 2 to 4 billing cycles ''. This is a deceptive practice as my statements show the opposite. PayPal credit is ignoring its own policies and continues trapping its consumers to pay unnecessary fees.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
IXXXX 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/year>
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX, I am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. Please delete the following items from my credit report immediately DEBOIS INC. DBA DBS Reported : XXXX XXXX XXXX With the amount owed of {$10000.00} This repossession account should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. Thank you for your immediate attention to this matter. I look forward to your timely response.
Product: Debt collection

I was alerted by my XXXX credit monitoring service that I had an account in collections with Allied Collection Services ( from a XXXX account ). I took the appropriate action, filed a police report with XXXX XXXX and an FTC Identity Theft Affadavit and submitted to all the credit bureaus. XXXX and XXXX immediately removed the account from my profile, however, XXXX has refused to remove it. After my 3rd phone call to XXXX in the last 6 weeks, I was advised by a  supervisor named XXXX XXXX, to file a report against the debt collector company through the CFPB as well.
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the handling of a recent issue with Chime, a banking institution. The situation involves Chime 's failure to provide clear information about a rejected check, their refusal to release the remaining checks, and their lack of proper customer service assistance. 

The sequence of events is as follows : Rejection of a Check : I deposited multiple checks into my Chime account, which were issued by the State of California as back pay from XXXX. Among these checks, XXXX was inexplicably rejected. 

Lack of Transparency : Despite repeated attempts to seek clarification, Chime has not provided any clear information about why XXXX of the checks was rejected. This lack of transparency has left me in a state of confusion and concern. 

Refusal to Release Remaining Funds : Additionally, Chime has failed to release the remaining checks for deposit. As a result, a significant sum of my funds remains inaccessible. 

Inadequate Customer Service : Chime 's customer service, specifically the lack of telephone support and the insistence on communicating only via email, has hindered the resolution of this matter. The lack of direct communication has exacerbated my frustration and made it exceedingly difficult to address the issue effectively. 

I firmly believe that, as a banking institution entrusted with the financial well-being of its customers, Chime has a responsibility to provide transparent, efficient, and reliable services. The failure to do so in this instance not only places my financial security at risk but also raises concerns about Chime 's overall commitment to customer satisfaction. 

I have attempted to resolve this matter directly with Chime, as any responsible customer would, but the lack of proper communication and failure to address my concerns leaves me with no alternative but to seek assistance from the CFPB. 

I kindly request that the CFPB investigates this matter thoroughly and intervenes to ensure that Chime provides clear information about the rejected check, releases the remaining funds, and improves its customer service standards to better serve its customers. 

I appreciate your attention to this complaint and trust that the CFPB will take appropriate actions to address this issue and prevent similar situations in the future. 

Thank you for your prompt consideration.
Product: Debt collection

XX/XX/22 XXXX and took wages out of my paycheck
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 card or prepaid card

On XX/XX/2017 There was a cash advance in the amount of {$4500.00} taken from my credit card without authorization or without my presence of being there. The location where it was taken was US bank off XXXX XXXX XXXX in XXXX ca
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized accounts on my credit report that I suspect may have been added fraudulently. Please take steps to block and remove these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/XXXX to ask why my credit score had changed. The operator couldn't explain why tried to put me through to another department, that didn't happen. On XX/XX/XXXX I received in the mail from Transunion a credit report saying that I requested it but I did not. Today XX/XX/XXXX I have been on the phone numerous times trying to get someone to explain why a company did a search on my account. It states it was done via Transunion XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX which is a transunion phone number. Many people are complaining online since at leastXX/XX/2013about this company doing credit checks and charging them without their permission or ever having done any business with them. Yet they are still operating under the name of Transunion. I am still on the phone with Transunion as I am writing this complaint waiting for someone to answer my question that no one seems to want or can't answer. Why are they still doing business with these people? They're a credit agency that should be protecting us! I also have XXXX XXXX XXXX that requested a check, why, I've never applied or done any business with them.
Product: Credit card

I applied for a JP Morgan Chase Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Product: Credit reporting or other personal consumer reports

Could you please remove these inquiries? I didn't authorize them, and I have no knowledge about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax This letter serves as the formal notice of my intent to file a lawsuit against Equifax for the many willful violations and/or negligence allowing inaccurate information to be on my Equifax credit report after several factual disputes filed by myself over the last 5 years. I have filed disputes online, by mail and phone clearly stating and providing proof of many specific inaccuracies on the XXXX XXXX XXXX account. 
Your replies to the disputes claim everything is accurate. I have gone through my entire account history with XXXX and 34 out of 65 months that are being reported are inaccurate. 
Section 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
This is not my XXXX account, it is not possible to have 34 out of 65 months of inaccurate reporting and have it on my credit report saying that I own this account. Im requesting you to delete this account from my credit report immediately or I will initiate a lawsuit and pursue punitive damages of {$100000.00}. 
Your prompt attention is appreciated,
Product: Credit reporting or other personal consumer reports

According to IRS guidelines, an unpaid charge-off is considered taxable income. Furthermore, under the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. The account in question was previously charged off by XXXX XXXX, as indicated by their records. The charged-off account is now listed under XXXX XXXX with account number XXXX. Upon reviewing my most recent credit report, it appears that this account is being reported as a charge-off despite having been sold to another lender. As the original debt was charged off and subsequently sold, this constitutes inaccurate reporting and may be viewed as a form of double reporting, which is prohibited under the FCRA. Please investigate this matter and ensure the information on my credit report is corrected accordingly.
Product: Mortgage

On or about XX/XX/XXXX, Gregory Funding LLC ( " Gregory '' ) acquired the servicing of the subject mortgage ( the " Mortgage '' ) from XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) ..The Mortgage was modified by a Modification Agreement dated XXXXXX/XX/XXXX ( the " Modification Agreement '' ), a copy of which is attached to this complaint. The crux of this complaint arises from the interpretation of the Paragraph 3C of the Modification Agreement, which appears on pdf page 9 ( page 2 of 2 ) of the Modification Agreement, This Paragraph provides for a {$77000.00} principal reduction ( the " Deferred Principal Reduction '' ), one third of which shall be granted in the " first, second and third anniversaries of XX/XX/XXXX '' of the Modification Agreement, " provided I am not in default of my new payments SUCH THAT THE EQUIVALENT OF THREE FULL MONTHLY PAYMENTS ARE DUE AND UMPAID ON THE LAST DAY OF ANY MONTH, ON EACH OF THE FIRST, SECOND AND THIRD ANNIVERSERIES of XX/XX/XXXX [ emphasis added ]. '' Because of a change in bank accounts, the prior servicing agent ( XXXX ) did not process the XX/XX/XXXX payment until XX/XX/XXXX. Gregory has interpreted this one late payment to constitute a default under the terms of the Modification and refuses to grant the second portion of the Deferred Principal Reduction, constituting the sum of {$25000.00} ( one-third of {$77000.00} ). Gregory claims that since the XX/XX/XXXX payment was processed three months after the due date, I was in default of three full monthly payments, even though I paid the XXXX and XX/XX/XXXX and the XX/XX/XXXX payments when due. Despite numerous telephone conversations and letters, Gregory improperly refuses to grant the {$25000.00} principal reduction. I have attached my letter to Gregory dated XX/XX/XXXX ( see the date the top of page two of the letter ), Gregory 's response letter dated XX/XX/XXXX, and my attorney 's letter to Gregory dated XX/XX/XXXX. Neither my attorney nor I have received a satisfactory response to these letters or the requested principal reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing erroneous items in my credit for quite some time and I have not received any response from the bureau
Product: Mortgage

I am currently under a modification with Allied Servicing Co. I have attached a copy of the modification agreement, which I clearly signed under desperation in order to avoid being homeless. It is important to note that this agreement was only reach through forced foreclosure court proceedings as Allied Servicing refused to work with me initially.

Part of the agreement was for me to be able to refinance my 1st and 2nd mortgage prior to XX/XX/2020, which I was unable to do within the year due to my credit score. Then, Covid happened. The agreement states that unless I refinance before XX/XX/2020, I will have to pay the full amount owed ( approximately $ XXXXXXXX  ). I obviously do not have $ XXXX to pay out in a lump sum. 

I did not have any issues with my first mortgage company ( XXXX XXXX ) granting me a deferment for my mortgage payments nor with any of my other creditor. Once again, Allied Servicing is refusing to work with me and are demanding that I show proof of denial for refinance from three different lenders. As we all know, not all applications with mortgage lenders are subject to soft inquires, so I have had hits on my credit as a result of applying. 

This is not the first time Allied Servicing Co. has refused to work with me without forcing me into legal proceedings. Such legal proceedings have clearly added to my debt as they have unreasonably tagged on legal fees as well as other fees. I don't understand how forcing anyone into additional legal proceedings which lead to unreasonable fees is helpful to someone struggling with finances. 

I clearly do not have $ XXXX to pay off this second mortgage with Allied Servicing Co. by next month. I do not have any other means of income other than my employment. I am not asking for a deferment. I am simply asking for an extension of my modification for at least 6 more months so that I can refinance accordingly. My payments have been on time as per the agreement. 

I find the request of Allied Servicing Co. to be unreasonable and discriminatory, especially during this difficult time. Looking at my history with Allied Servicing Co., I believe their actions are due to the fact that I am am a woman of XX/XX/XXXX. 

I have attached relevant documentation for your review. Thank you for your attention to this matter.
Product: Debt collection

Ever since Tuesday XX/XX/18, I have received numerous phone calls at my place of employment from two phone numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. On XX/XX/18 a gentleman by the name of XXXX XXXX called me at work and said that he works for an attorneys office and he has a client who is in the process of suing me and to call the XXXX- number above with reference number XXXX to discuss further. I asked who the attorneys office was and who his client was and he told me to call the number for more information. I told him that his company is not to call me at my place of employment and I will call him back. He said, Okay sir. The following day XX/XX/18 he called my cell phone and left a voice mail. I called the number back one Thursday XX/XX/18 and spoke with a gentleman who said that his client, Lending Club, was suing me and he was handling the litigation. Ive never loaned with Lending Club and I told him this. He said he is handling The litigation and I told him he can sue me because Ive never had a loan and then I disconnected the call. Today XX/XX/18 I got another call at work from a gentleman telling me that he needs to deliver wage garnishment paperwork to my place of employment and wanted to verify my address which he did. He asked if he can send it to my work address and I replied ; Sure! He asked me if I was worried and I said, Nope. He then told me that i can go XXXX myself. So Im convinced This is some kind of scam but they are very blatantly violating the FDCPA and it needs To be investigated further. Thank you.