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

I applied to XXXX XXXX for their XXXX  XXXX XXXX XXXX. 
I received a reply from XXXX XXXX XXXX, XXXX XXXX, XXXX, DEXXXX " We have reviewed your application and dtermined that we are unable to approve you for a XXXX XXXX XXXX  credit card account for the following reason ( s ) : - Too few accounts with sufficient satisfactory performance " and, a later paragraph - " We also attempted to obtain your credit score from this consumer reporting agency for use in making our credit decision ''. and a later paragraph " Your credit score was not available because the consumer reporting agency may not have had enough information about your credit history to calculate a score. '' I have very little or zero credit history because I have hardly ever ( maybe never ) needed credit in the USA. I have lived most of my life abroad, and am a Permanent Resident of the USA. I am a citizen of excellent standing, no debts, no arrests, no criminal. I have accounts and debit cards at the XXXX XXXX XXXX, own my own company, make a good living, pay immediately for what I consume. 
Does this mean I must be penalized like a common criminal and not be allowed to hols an XXXX XXXX credit card? I need the credit card for my business as I travel constantly on XXXX XXXX
Product: Payday loan, title loan, or personal loan

THE COMPANY THAT XXXX XXXX XXXX XXXX IS USING AS A DEBT COLLECTOR. IS CALLING ME ... MAKING THREATS ABOUT A FEDERAL LAWSUIT. THEY ARE ALSO STATING THAT I HAVE THREE COUNTS OF FEDERAL CHARGES. THE NUMBER THAT HAS CALLED MY CELL PHONE COME ACROSS MY CALLER ID SAYS UNKNOWN CALLER. BUT THE NUMBER THAT THE INDIVIDUAL LEAVES IS XXXX. THAT I COULD LOSE MY JOB ETC. THE DID NOT GIVE ME THE AMOUNT OF THE DEBT BUT THE DATES STARTED IN XXXX XXXX, 2013.
Product: Mortgage

I purchased a home on XXXX XXXX XXXX XXXX, Ma XXXX on XX/XX/XXXX. Since all payments have been made accordingly and XXXX different companies have owned the mortgage without any issues. As of approximately XX/XX/XXXX Freedom Mortgage accepted ownership of the mortgage and problems with insurance immediately began by such mortgage ceasing all insurance payments to XXXX insurance through XXXX. Our insurance nearly lapsed as a result and we immediately made payment in order to avoid such lapse. We contacted freedom mortgage in order to correct the situation which they agreed had been a mistake. On approximately XX/XX/XXXX we received a letter from freedom mortgage insurance department indicating that they would be purchasing insurance for us a a substantially higher cost and retain the escrowed insurance payments. We again contacted freedom and disagreed with the decision instructing them to again contact XXXX and solve the matter as representatives for the insurance company were waiting. Lastly on XX/XX/XXXX after having made yet another mortgage payment, I contacted freedom mortgage to inquire about the issue No yet resolved but no attempt or information has been provided nor resolution to the problem. This concerns me immensely since it is one of the very reasons these companies use to initiate foreclosure action on a renovated, increased value home that my husband and I purchased at a higher cost with some problems needing repairs. Id truly appreciate a stronger hand in getting this matter resolved since I have evidently not made myself clear enough on the resolution attempts. Your assistance is truly greatly appreciated. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell behind 1 payment in XXXX. I called and tried to explain the financial hardship we were going through and asked for help. 
There was an agreement but into place but for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ad XX/XX/XXXX I recieved lates on my credit report. This payment arrangement was told to me that I would not receive these lates on my credit report because I called and they were working with my on the payments. 
In XXXX, I got all caught up on my payments. 
XXXX hit and COVID hit. 
I was laid off from my job and called again to let them know I was not able to make my payment in XXXX. Again, they understood due to the pandemic and again, were not supposed to hit my credit with this. They did. Another 30 day late in XX/XX/XXXX. 
I paid everything up in XXXX when I got my unemployment. 
I was laid off again in XXXX, and again called and told them due to the pandemic, I couldn't make my payment. Again, they said they would note my account and it would not be reported negatively due to the pandemic. AGAIN, I got hit with another 30 day late in XXXX. 
I have since paid everything up and made my payments on time. 
I can understand hitting me with the lates back in XXXX, but I called and I tried to do the right thing. I didn't think this would effect my credit this bad. 
And as far as XXXX and XXXX, again I called to talk them through this, but this is the one I don't understand - we are in a pandemic. Unemployment was all messed up. I didn't have money to pay this due to reasons outside of my circumstances.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against both XXXX and Credit Control LLC for violations of the Fair Credit Reporting Act ( FCRA ) and for failing to properly investigate inaccurate information on my credit report.The issue pertains to an account reported as a collection account under XXXX XXXX on my XXXX credit report. Upon reviewing the details, I identified multiple discrepancies and improper handling of the investigation by XXXX : The first issue being Lack of a Date of First Delinquency : The account does not include a date of first delinquency, which is required by the FCRA. Incorrect Creditor Information : The account is reported as a collection account from XXXX XXXX. However, after investigating this matter further by visiting Credit Control LLCs webpage, I found that the agency is attempting to collect on behalf of XXXX XXXX instead of themselves Credit Control LLC. Despite this, XXXX continues to list XXXX XXXX as the creditor, rather than Credit Control LLC, which inaccurately reflects the true status of the account. Balance Discrepancy : The balance shown on my credit report does not match the amount Credit Control LLC is attempting to collect, even after XXXX updated my credit report to reflect a CLOSED balance of XXXX, Credit Control LLC shows a balance of XXXX. Adding further inaccuracy to the report. In light of these issues, I filed a formal dispute with XXXX on XX/XX/year>. However, my dispute was closed XXXX hours later with the claim that the information meets FCRA requirements, despite the clear violations of accuracy, completeness, and diligence in reporting. XXXX failed to conduct a thorough investigation into my claims. Due to this lack of diligence from XXXX and the violation of my rights as a consumer under the FCRA, I am requesting the following : Immediate deletion of the inaccurate collection account from all of my credit reports. Immediate compensation from both XXXX and Credit Control LLC, XXXX for not conducting a proper investigation and violating my rights, and Credit Control LLC for the harm caused by their shear disregard and manipulation of the law. Both agencies allowing this violation has caused me mental and physical anguish due to their failure to properly investigate this matter. I will also include due to the severity of violations If these requests are not met, I will not hesitate to retain legal counsel and pursue further action for damages and the enforcement of my rights under the FCRA. I trust the CFPB will take swift action in addressing this complaint and ensure compliance with consumer protection laws. Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting

I submitted a complaint to the CFPB about a month ago, case # : XXXXQuick rundown of that complaint : I had XXXX collection accounts that I 've disputed over XXXX times and Experian refused to acknowledge or even conduct an investigation. I called the debt collector and they told me they requested they be deleted months ago. So I filed a complaint with the CFPB. Through that complaint, Experian agreed to remove those items from my credit report. I confirmed the accounts were removed by ordering a new credit report on XXXX/XXXX/2015. On XXXX/XXXX/2015, I got a credit monitoring notice that the XXXX collections accounts had been re-reported to my Experian Report. Today is XXXX/XXXX/2015 and I did not receive written notification from Experian that the accounts were being re-reported, violating the FCRA yet again. Section 611 5 B ii ; which states : Notice to consumer. 
If any information that has beendeleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agencyshall notify the consumer of the reinsertion in writingnot later than 5 business days after the reinsertion or, ifauthorized by the consumer for that purpose, by any othermeans available to the agency. 

I am getting really frustrated with this company constantly violating my consumer rights. How are they still in business? I 'd like them to be reprimanded and I 'd like this inaccurate information deleted form my credit report and blocked, so it can not come back on.
Product: Checking or savings account

Over the last XXXX  years, I have experienced an extremely large amount of funds being debited to my account as " over draft fees ''. When going over statements, it is clear that the overdraft fees were most often taken prior to the actual transaction was to post and clear. 
This activity has been going on for years. I have complained to the bank on numerous occasions with the results continuing even thru this last week where XXXX charges totaling {$170.00} were withdrawn from my account. 
It is my belief that US Bank uses this form of theft in their normal business practices and would like to see it stopped.
Product: Credit reporting or other personal consumer reports

There is an address on my credit report that I have repeatedly tried to remove. It is not my address. I have never done business with JPMorgan Chase at the address. It was reported in mistake by another company. However, when I trynto remove XXXX, I am told I can not because JPMorgan Chase is reporting it as my address. It is not my address and I want it removed. It also list my name incorrectly. XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX is not a good address and is a business.
Product: Credit card

I had XXXX credit card accounts with HSBC. They were both discharged in chapter XXXX bankruptcy. On my credit reports they were showing the status as " CHARGED OFF ''. I disputed these accounts with the credit bureaus and they both came back as verified. I then wrote HSBC a certified letter asking them to update these accounts to show that they were " INCLUDED IN BANKRUPTCY ''. I sent the letter certified mail. That was 3 months ago and I have not received a response from them. I then disputed the accounts again in XXXX and once again they came back as verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from TransUnion. It indicated that a credit inquiry was made. ( XXXX XXXX, XXXX ( XXXX ) XXXX ) However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
Please forward any documentation that you may have in regards to the removal of this credit inquiry. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXXBalance {$39.00} XXXXBalance {$220.00} XXXXBalance {$180.00} XXXX XXXX XXXXBalance {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXXXXXX XXXX  XXXX Citibank, XXXX XXXX  XXXX XXXX the above FINANCIAL INSTITUTIONS are subsequent reporting of this information to consumer reporting agencies. It has come to my attention that my personal and private financial information was disclosed to NON-AFFILIATED THIRD PARTIES ( XXXX XXXX XXXX ) without my consent which is a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and constitutes non-compliance with the protections afforded to Nonpublic Personal Information ( NPI ) The GLBA mandates that financial institutions must safeguard customers ' personal and financial information and are prohibited from disclosing such information to third parties, including consumer reporting agencies, without explicit consent. I have not provided any authorization for the disclosure of my account closure to any consumer reporting agency, and I believe this action is a breach of the privacy protections I am entitled to under the law. 
I demand the immediate correction of this unauthorized disclosure of my PERSONAL FINANCIAL PRIVATE INFORMATION Please take the necessary steps to ensure that this information is not reported or is removed from any consumer reporting agency records. Additionally, I request a written confirmation that this corrective action has been completed.
Product: Debt collection

THIS COMPANY IS FRAUD - KEEP REPORTING AN ACCOUNT BALANCE THAT I DONT OWE
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted on XX/XX/21 Expeian about there response to the cfbp they submitted, experian said they do not know who responed to cfbp ( XXXX ) is the dispute agent with experian. I ask XXXX if he has the letter from XXXX XXXX he said yes, I need to get XXXX XXXX on the phone to have them to say to remove the bankruptcy off of my credit report that the letter they have is not enough to remove it off of my report. XXXX also said to get XXXX XXXX agent on the line to ask them to remove the bankruptcy, the agent said he would not talk to XXXX XXXX.Lady from XXXX XXXX disconnected her line and then the agent from experian hung up on me. Experian has broke the consumer reporting law. I at this point I will seek Legal Aid with my concern, I can not go to work with the county in my state with this bankruptcy on my experian credit report.
Product: Debt collection

LNV says I owe them .such company has not supplied me with a FFA
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I started to receive emails claiming that I've joined XXXX XXXX  I did not ) and that I " added a debit card to my XXXX  account '' ( I did not ). Upon contacting the XXXX, no useful response was provided. Shortly thereafter, I started to receive emails that payments are being made from the XXXX account ( which, again, I never agreed to open nor did I authorize ANYTHING to do with XXXX  ). At this point it seems that XXXX and/or PayPay ( who owns XXXX XXXX have fradulently opened an account using my information and are allowing fraudulent transactions to proceed without any way for me to stop them ( without providing them with even more information ).
Product: Checking or savings account

On XX/XX/year>, I deposited a security deposit refund check of {$4800.00} into my checking account with Huntington Bank. The funds were placed on hold until XX/XX/year> until the money cleared. I was then locked out of my account starting XX/XX/XXXX, and when I called XXXX, they explained that they had reason to believe the issuing bank would not payout the amount of the security deposit refund check, which does not make sense because the check is legitimate. As of XX/XX/year>, I called them again and have been told that my accounts will be closed, that XXXX be receiving a check in the mail will any remaining funds, and a letter stating the reasoning for the account closure. XXXX concerned that the deposit I made for that check is in limbo and will not be credited to me.
Product: Mortgage

I've been calling and chatting almost daily since the first week of XXXX trying to get information about payments. I'm being approved for the Homeowner Assistance funds for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. XXXX voided and reissued check XXXX via ACH to XXXX the morning of XX/XX/2022 once they confirmed all homeowners on that account were theirs and a check # XXXX that XXXX confirmed they received. As of today, only one payment ( check # XXXX ) was posted on XX/XX/XXXX covering my XXXX payment. Now my XXXX and XXXX payment are past due because they aren't applying the payments on time. They send me a letter letting me know that I'm past due but in reality, I'm not because they had my monthly payment the problem is that they are holding it back. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time.
Product: Student loan

American Education Services has sent a past due amount ( ~ {$2000.00} ) to collections. I have continued to make good faith faith payments ( $ XXXX/month ), since I am unable to afford the full payment due that was sent to the collection agency. I have made multiple attempts with the company to pay back the past due amount. The company representatives state that unless I pay the full amount due, they will continue to report delinquency to the credit agency. My most recent call to the company was today. Their representative communicated to me that I have no options but to pay the said past due amount in full and making good faith payments will continue to result in delinquency reported. She further stated that there is " nothing we can do '' and " it's not our fault that your car insurance rates have doubled '' ( as a result of adverse credit reporting ). I was then informed that my loans are now serviced for XXXX XXXX  and AES has no ability to work with me for that reason. When I asked for a phone number or email to XXXX XXXX, she stated she does not have any contact information and I should " XXXX it ''.
Product: Credit card or prepaid card

XX/XX/2018, XXXX-XXXX decreased my line of credit from {$2900.00} to {$2500.00} without merit. Thus far, a letter of notice was not sent out to me. I attempted today to find out what happened. Operator name XXXX, agent XXXX had no idea why my line of credit was decreased. She also acknowledged that a letter had not been sent out to me notifying me of this change. I have always kept my account at a XXXX balance and paid faithfully on time. This line of credit decrease affected my credit score negatively. Also, there was no reason to decrease my line of credit. Also, no documentation as to WHY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a late charge off in the amount of {$280.00} from 2018 on my credit report. 
It shows as a negative item and it has affected my ability to refinance my house. 

I have contacted XXXX, the car dealership I leased my car and the financial company that reported me, and they both didn't fix the issue. 

I NEVER PAID LATE, I want PROOF from XXXX  and/or the financial company that I was late.
Product: Checking or savings account

I made a deposit on XX/XX/20 in the amount of XXXX. I was told the XXXX portion on the amount for XXXX wld be available on XX/XX/20 and the remainder XXXX on XX/XX/20. After submitting a bad review of the poor customer service I experienced during my visit to a specific branch, my account was put on a freeze and I could not use/access funds via my debit card and the available direct deposit from my employer. The put a branch hold on my account for no substantive reason. I believe I was profiled because of my race/ethnicity and retaliated against for giving the teller, who was the branch manager who placed the hold on my account, a bad rating. The bank has provided no justification for further delays in releasing my funds or why my payroll check was initially withheld and my debit card restricted.
Product: Mortgage

Seterus force-placed insurance on our mortgage, despite the fact that my insurer has twice faxed proof of hazard insurance on the subject property, and my insurance company shows that Seterus paid the policy over two months ago. The forced-placed insurance added to my mortgage has caused my Seterus mortgage payment to increase by almost $ XXXX/month -- an increase of over XXXX %.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have received two letters from the above-mentioned office prepared on XXXX XXXX XXXX XXXX. One letter asks to return the identification information along with this letter, which shows that the sender requested the fraud alert, even though recent CFPB review has mentioned the alert is already on my credit. Since I have not changed my phone at all for years before the Pandemic, I do not have to ask the addition to the credit report. Even though the credit which you mentioned in the letter is not clear, I do not have any intention to open new credit card with any stores, especially, with which recently closed my credit card without any formal request from my side. Since I never requested the addition of my phone number and opening of credit ( card ), I insist the person who requested these matters should be an impersonate of mine, XXXX XXXX. Please notify the appropriate public organization. Meanwhile, I will submit this letter to the CFPB and other public organization for the investigation. 
Another letter also asked the submission of personal information, even asking to enlarge photocopies. Since my copy machine does not have any function to enlarge, I will not submit them, especially, your office is asking to send the address, Equifax Information Services LLC, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Since I have officially recognized as suitable for the data breach settlement of your company, I will not send this information except above-mentioned address with enlarged copies. 
Lastly, I have checked the review submitted to CFPB on the report ( XXXX ) regarding XXXX Since the account was officially closed by XXXX XXXX  itself and I had received the refund upon the closing, I do not understand why the concern to add more information of Equifax credit report was mentioned there. Since I do not have any intention to open another credit card with this XXXX XXXX XXXX, I do not expect any further movement on the record of this store card. 
Sincerely,