23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

JP Morgan Chase in XX/XX/XXXX recorded an assignment, a false conveyance to XXXX XXXX trustee to XXXX XXXX Trust XXXX placed in my land County records. ( see attachments ) XXXX XXXX and XXXX XXXX remic Securities have been in compliance and Silent with Chase and XXXX XXXX Trustee unfair and wrongful egregious acts. A summary judgment was entered on XX/XX/XXXX and a final Judgment of foreclosure and sale signed on XX/XX/XXXX.This was done by the way of deception and misrepresentation. A sale is schedule for XX/XX/XXXX. I have contact XXXX XXXX overtime and recently on XX/XX/XXXX I have sent them a request asking for XXXX XXXX XXXX XXXX to answer some of my claims. Emails were sent to XXXX and XXXX at consumer contact center loan delivery and operation services support team from XXXX XXXX XXXX inquiries. Since then I have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

To whom it may concern, My card was completely canceled during the time my card was charged. The bank allowed XXXX XXXX XXXX/XXXX to charge my card {$3500.00}. I went through all the steps to contact them that the key was lost/stolen at the time my rental ended. I was unable to get ahold of any one and after 3 months they had an investigator call me. I told the investigator exactly where the car was and they retrieved the car from the secure lot that it was left. They still proceeded to send me to court and I had let USBANK know that they had no right to charge my card that much. I could see if they charged me for lost key of {$300.00} but if they are going to charge me {$3500.00} they better ship me the whole entire car. USBANK did not do their due diligence in helping me with the case and per FDIC they are not protecting the consumer. I finally got a hold of management at XXXX/XXXX  XXXX and another manager XXXX that have verified that this incident is NOT my fault and we did in fact send an email and make several phone calls to XXXX/XXXX/. Due to COVID I experience high call times, and transfers and also hang ups at USBANK and XXXX/XXXX. I am reaching out to the FDIC for your help and finding a resolution as this is not right. I hope you find it in your heart to help with this issue as {$3500.00} is a lot of money and this issue needs to be resolved. 

Thank you for your prompt attention regarding this issue, XXXX XXXX XXXX
Product: Student loan

Despite numerous written requests for a detailed calculations, Navient refuses to provide me with documentation explaining why my IBR payments have increased 400 % despite no commensurate increase in annual income. I have submitted multiple IBR requests complete with payroll documentation to Navient, only to receive no change in decision or written statement from them explaining their actions. Their customer phone tree generally takes XXXX45 minutes to reach a live person, and then usually results in several transfers and a recommendation to resubmit an IBR application. Conversely, Navient sends emailed, written, and telephonic updates almost daily to advise when a payment is due to them. It is clear from this pattern of communication that Navient wishes to reap the profits from servicing students loans, while placing minimal attention towards their fiduciary responsibilities to loan holders and US government alike.
Product: Vehicle loan or lease

My name is XXXX XXXX. My social security number is XXXX. I have a account loan with Chase bank. On XX/XX/2022, I made a cash payment in the amount of {$440.00} in a Chase Bank ( branch number XXXX ) for the not the XXXX, XXXX  car payment. However, I received a letter in the mail stating I owe a balance of {$320.00} for the month of XXXXXXXX XXXX. Another letter was mailed to me for the month of XXXX, XXXX stating the balance I owe is {$540.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 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 reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries on my credit report due to my identity being compromised in a data breach. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), which grant victims of identity theft the right to have such accounts blocked from their credit files.

Below are the accounts and inquiries that I have identified as fraudulent : 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 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 USC 1681 Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX XXXX Account name : XXXX XXXX Account name : # XXXXXXXX XXXX Account name : # XXXX XXXX XXXX, Has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 1 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

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

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, DEPT of EducationXXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Product: Checking or savings account

I have requested to close the account since there are money sitting in the account and I can not make any transfers between my banks. The whole process is already been more than a week and the account still hasn't been closed yet. Every time when I called, I was told 1-2 business days. I need to get my funds back ASAP.
Product: Payday loan, title loan, or personal loan

this account closed i don't know anything about this account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a different date of last activity from the other bureaus. They are reporting the date as XX/XX/XXXX while XXXX reports it as XX/XX/XXXX and XXXX reports that the date is XX/XX/XXXX. This is a clear FCRA violation. 

Also, TransUnion failed to validate this account as the last reported date is listed as XX/XX/XXXX.
Product: Mortgage

In XX/XX/XXXX, I called my lender, Mr. Cooper, to find out when I could expect the overage in my Escrow. I calculated my return would be approximately {$300.00}. The employee I spoke with told me all loans would be verified at the end of the month and that is when disbursements would be mailed. When I received the analysis result : Shortage, it showed a shortage of {$.00}. This was interesting since my home insurance was {$830.00}. for the year through XXXX. However, on my last mortgage statement, it showed my mortgage insurance to be {$1200.00}. and an annual change of {$85.00}. for a total of {$1300.00}. Instead of the true figure of {$830.00}. It would seem that Mr. Cooper has been forging documents to meet the company 's needs, not the mortgagees '. This also happened in XXXX when my hazard insurance was {$1000.00}. which was paid. However, that year on my year end statement, it showed my hazard insurance to be {$1000.00} and an annual change of {$90.00}, totaling {$1200.00}. There total should have been $ XXXX.It seems Mr. Cooper has been forging documents for sometime to increase his wealth. Unfortunately, the employees are also guilty of these unethical and seriously unlawful practices. This is happening to all of Mr. Cooper 's mortgagees, not just me.
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 USC 1681. 

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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was exploring Interest Rates for a purchase of a vehicle. I utilized XXXX. I was unaware that by using XXXX XXXX that I would have multiple inquiries on my report. I would not have proceeded otherwise ; as I am very conscientious about applying for credit. I started to get alerts regarding inquiry. I was able to identify XXXX XXXX as the party responsible. I contacted them to advise that I was not aware that this would generate a credit inquiry. I was advised that is was in paragraph 5 ; which is below View Free Offers however ; if you are using a mobile device ; the paragraphs do not readily display on the screen. Typically, other websites, make you scroll down or actually check a box to agree before proceeding. I have seen other complaints regarding XXXX XXXX regarding this issue and they are not being transparent to the customers on purpose so they can generate leads. I was advised that up to 5 inquires could be sent. I have a picture of how it shows on my XXXX XXXX that I can provide. I am unable to dispute inquiries on my credit report and I am not sure how this will impact my credit score. Further, I had already purchased a vehicle and I am still getting credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emails and recorded phone calls dating back to 2017 proving retaliation, abuse of authority, refusing to remove fraudulent information from my credit report, failing ( refusing ) to  provide updates on status of investigations. The Office of Consumer Affairs, in XXXX, GA, has discriminated against me. The staff is unprofessional. They have intentionally refused to remove fraudulent information from my credit report. 

I am specifically requesting an agent with CFPB contact me to investigate XXXX, and specifically its Office of Consumer Affairs. The XXXX American customer service representatives : XXXX, XXXX, XXXX, XXXX, XXXX, and others have violated my rights since XX/XX/2017. Theyve continued to allow companies like Bonneville Collections and others to put fraudulent collections on my credit report. These customer service representatives will put fraudulent addresses BACK on my credit report that have been previously disputed and removed. 

The prejudice, discrimination and racism Ive endured since XX/XX/2017 by the Office of Consumer Affairs has taken a toll on my health. Im under extreme duress by their continued attacks. They use their positions with XXXX to appear that theyre following the law and responsibility of the office, however, they are not. They are bullies. They are quietly and discretely attacking my credit report and credit score.

Currently there are 3 hard inquiries on my credit report that were not requested by me. I did not authorize these inquiries. There is currently 1 fraudulent collections item from Bonneville Collections on my credit report. I have been reporting fraudulent collections actions on my credit report for 3 years consistently. I am consistently dealing with the same customer service representatives in the office of Consumer Affairs. For the past 3 months Ive been fighting to remove the fraudulent collection action by Bonneville Collections. XXXX has merely relied upon a statement submitted by Bonneville Collections that the debt is valid. There was no evidence that submitted proving that the debt is valid. This type of action, by XXXX Office of Consumer Affairs has taken place since XX/XX/2017. 

The actions of the Office of Consumer Affairs via XX/XX/XXXX are harassing me. Their conduct should be illegal. When I contact XX/XX/XXXX, when my social security number, address, and date of birth are verified by representatives in another country, I am always transferred to the Office of Consumer Affairs. There is something in XX/XX/XXXX system that requires me to be sent to the XXXX Office of Consumer Affairs. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX Experian, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX XXXX XXXX reported service of XXXX 2017. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
Several times I have contacted [ CREDIT BUREAU NAME ] regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 a collection was reported on my account Letter sent to me, PortFolio recovery added a derogatory mark on my credit report Per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, PortFolio Recovery has violated my rights as a consumer and I am requestion legal action to remove this account immediately.
Product: Bank account or service

I am a XXXX American and receive Social Security XXXX through XXXX, and they changed over to Old National Bank recently ... XXXX. I believe these institutions have charged ( possibly ) millions of dollars in overdraft fees to those of us on XXXX who receive XXXX paycheck per month during this change over. I lost an unexpected {$120.00} ( ca ) and was treated horribly by the bank manager at my branch in XXXX. Could you check to see how much social security money they took ( total ) from us ... the poorest of the poor. I have more to tell, just not enough space. Please call me to discuss. The charges will be in the form of {$8.00} per day for each day the account was overdrawn. I believe they carefully planned and manipulated our accounts and lack of true understanding ( took advantage ... especially of the elderly and XXXX. ) See how many {$8.00} service fees were charged during the last two weeks of XXXX ... up until the time our social security was directly deposited into our accounts. I am considering filing a class action law suit so that we XXXX SSI/XXXX recipients can get our money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian says my credit score is unavailable, however, they did let me see my report and dispute three potentially negative postings. I felt bullied into signing up for their monthly " credit monitoring '' service and now they will not cancel it despite numerous communications to do so. 
XXXX XXXX is even worse, they won't let me see my report and demand the same scam ; " sign up '' for our program or no dice. 
I haven't even bothered with XXXX  given their recent issues with being hacked and just expect the same treatment from them. 
If these behaviors by these companies is legal it is just barely so. 
It is ethically and morally offensive. 
Consumers are tired of being scammed!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received a notification from XXXX XXXX that a new hard inquiry was submitted to my XXXX Credit Report from US Bank with a phone number of XXXX. The inquiry was dated XX/XX/22. To my knowledge I do not have any new applications for credit in process, nor have I specifically authorized US Bank to do any credit inquires. 

I called US Bank and they said they had no record of the inquiry and no accounts on file. Since I had identify fraud two years ago ( US Bank was one of the lenders ) I contact XXXX and froze my credit. They indicated that US Bank did the inquiry per Permissible Purpose ( Section 604 15 U.S.C. 1681b ) but they have no details. Is US Bank obligation to disclose what the permissible purpose is? 

I did receive a settlement check and a letter from US Bank dated XX/XX/22 for as settlement I was not aware of. See FTC vs AMG XXXX. 

It would seem odd for them to run any inquires after checks have been issued. 

Please advise.