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

During the Coronavirus Pandemic, I requested a forbearance plan in order to allow for tenants that were not paying rent. This plan allowed us to retain tenants in our rental homes when they were unable to make rent payments. At the time of the Forbearance Plan request the mortgage was in good standing/paid on time. 

30 days before the end of the forbearance ( XX/XX/XXXX ), I requested a post forbearance solution ( flex modification ) from XXXX XXXX via telephone. The agent submitted the request and advised me to call back in 2 weeks ( XX/XX/XXXX ). I called back on or around XX/XX/XXXX. I asked whether I could make a payment as the ending of forbearance would be XX/XX/XXXX and the agent advised I could only pay back the full amount of forbearance ( {$11000.00} ). I explained I had requested a Flex Modification for the post forbearance solution. The agent said to call back in 2 weeks as there was no response yet to the post forbearance solution request. 

I called XXXX back at a minimum every 2 weeks from XX/XX/XXXX until the post forbearance solution was approved on or around XX/XX/XXXX. Each call I asked to make a payment while awaiting the Flex Modification approval in order to protect my credit. I was told by the XXXX agent on each occasion that XXXX could not take any payment except for the full forbearance amount ( {$11000.00} ) and was advised to not make any payment until the Flex Modification was approved. Each time I called the XXXX agent advised me that the XXXX system was not able to receive any payments except the entire Forbearance sum until the Flex Modification was approved. 

The Flex Modification was approved by XXXX Loss Mitigation in the first two weeks of XX/XX/XXXX. Beginning XX/XX/XXXX, the first of three post forbearance Trial Payments were made on time in accordance with the solution agreement ( all 3 trial payments were on time ). 

Even though the mortgage was in good standing and paid on time prior to forbearance in XXXX and all requirements were followed under the CARES Act regarding mortgages in good standing post forbearance : XXXX reported to the credit bureaus Payment History PPA : Partial Payment Arrangement. This Payment History Rating/Remark effectively dropped my Credit Score from XXXX to XXXX in XXXX of XXXX. I urgently request that the PAYMENT HISTORY Rating/Remark of PPA : Partial Payment Arrangement is updated to to " OK '' as the current remark is not warranted or applicable based on the guidelines of the Pandemic Forbearance for a XXXX mortgage.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX BRCLYSBANKDE XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Spoke with Executive Financial after I had sent in written request asking them to validate debt that was reported to my credit bureau. I had insurance and never knew that I had a collection or a bill out there. When I asked for validation of the debt all I got was a screen shot of what they had on their screen and did not validate the debt as requested. I then contacted XXXX who was extremely rude and tried to belittle me through out the conversation and I asked him to send me a statement of the debts, he refused and said that they validated it and that is all he was required to send me. I am still asking for validation and removal of the debts. The collector XXXX refused to send me any information or statement of debt so that I could even attempt to figure out where these are from.
Product: Credit reporting or other personal consumer reports

The account that is showing on my credit report is XXXX XXXX XXXX  This is the collection agency that XXXX XXXX  send a bogus account to that I never had with them. Now its hurting my chances obtaining new credit. 


I NEVER had any services with XXXX XXXX. I tried to switch over my cellphone from XXXX to XXXX ( XXXX ) through way of a promotion that showed up in my mailbox. While trying to transfer over my 4 lines of service it was discovered that XXXX wouldn't allowed the transfer of my phones and numbers so I cancelled the whole transaction and got confirmation that this transaction had been cancelled. Several months later I started getting notices that I had a bill due from XXXX XXXX ( XXXX  ) when I didn't even have the service. I proceed to reach out to the the company several times and once I got a hold of a live rep I was assured that I didn't have any accounts ever with them and they would clear this matter. Now they cleared it alright by just sending the account to collections ( XXXX XXXX XXXX  ) and allowing them to harass me and ruin my credit. I would like this account removed from my credit report after a FULL INVESTIGATION
Product: Credit reporting or other personal consumer reports

I have credit inquiries that I do not recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

First Citizens Bank pays debits even when I have no funds. I never agreed to this " courtesy, '' or it was not brought to my attention. The only reason for doing so seems to be to trigger fees.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S code 1681c-2 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 not later than 4 business days after the date of receipt. Under 15 US code 1681 e ( b ) & 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights. Pursuant 15 USC 1681 Section 602 A states I have rights to privacy Pursuant 15 USC 1681 Section 604 A Section 2, it states a consumer reporting agency can not furnish an account without my written instructions. I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims & will require you to delete all of listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice I LOOK FORWARD TO YOUR RESPONSE. RESOLUTION Delete these accounts unless you want to be held accountable for {$1000.00} per account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are lost/stolen and fraudulent charges and transactions are on the accounts : XXXX XXXX, {$3400.00} and XXXX XXXX XXXX, {$1400.00}. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX  XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX VISA, {$270.00} and XXXX XXXX XXXX XXXX, {$30000.00}. The following credit inquiries are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX ( XXXX XXXX ),  XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX
Product: Credit reporting

After my original complaint that I did not get credit report after entering all personal information Experian sent me a letter offering report on this url experian.com/viewreport It is a dead link and I still can not access my free credit report Original case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dear Consumer Protection Financial Bureau ( CFPB ) : My Name is XXXX XXXX XXXX, and I am providing the below consumer complaint for your review and ask for your assistance in this matter at your earliest convenience. 

Note : In addition to this letter depicting the exact and honest events that has taken place by and from Chase Bank Credit Cards, I have also provided a snapshot of this information from my recent personal credit report. I would also like to add, that I am available and more the willing to speak this truth noted below on a phone call and can be reached at XXXX. 

Complaint Snapshot Summary I am in the commercial real estate business and have a Business credit card under my company, XXXX XXXX XXXX, XXXX. This card for 14 years ended in XXXX and was changed in XXXX ( without my knowledge ) to a new account number ending in XXXX but remained a business Credit Card under my Company. This is a Chase Business United Chase Card, I opened the day I opened my accounts- both my business accounts and moved all my personal banking over to Chase Bank in XXXX, TX at the XXXX XXXX XXXX, approximately 15 years ago. The United Card had a {$22000.00} balance ( approximately ) going into COVID and was paid in full to a zero balance on XX/XX/XXXX. This card is open, never charged off, is paid to zero balance, and reporting negatively on my personal credit with all three reporting agencies, which never did until XX/XX/XXXX. I have never been late other than during COVID and as you will read below, I was given payment options and guidelines by Chase Credit Card services and encouraged to do same and there would be no negative reporting as a result of following the Chase Credit Card payment help. paid what I was advised to pay by Chase Bank to prevent any negative issues reporting to my personal credit report. I have satisfied this debt in full as I told Chase I was going to do. I was NEVER advised of any grace period ending by anyone at Chase. I was obsessed and relentless with Chase that I can never have this report negatively to my personal credit and said this to them on EVERY call. However, now, due to my trust in Chase Bank ( over many, many calls ) and the words they misrepresented to me and my family, I am now in a huge loss with a XXXX impacted business card reporting very negatively on my Personal Credit ( over XXXX points ), destroying my personal credit, I built for 30 years and preventing us from buying a home.
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 my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX # XXXX {$820.00}, XXXX XXXX XXXX # XXXX {$14000.00}, XXXX XXXX XXXX # XXXX {$0.00} 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 one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccuracies that appear on my credit report regarding two XXXX accounts. These errors are negatively impacting my credit profile, and I request an immediate investigation. Below are the details of the discrepancies : Account 1 : XXXX ( Account # XXXX ) XXXX reports the account as open, with a high balance of {$5500.00} and a current balance of {$5700.00}, last reported on XX/XX/XXXX. 

Experian reports the account with the same high balance but lists a different opening date ( XX/XX/XXXX vs. XX/XX/XXXX in XXXX ). 

The account has been marked as disputed, yet I was not properly notified of the resolution or any supporting documentation provided. 

Discrepancies in Account Information : Payment status, account remarks, and balance reporting inconsistencies. 

Account 2 : XXXX ( Account # XXXX ) XXXX reports a high balance of {$18000.00} with a current balance of {$19000.00}, last reported on XX/XX/XXXX. 

Experian reports the same high balance but lists an opening date of XX/XX/XXXX vs. XX/XX/XXXX in XXXX. 

Similar to the first account, there is a dispute notation without any clear resolution provided to me. 

Inconsistent Reporting : Differences in payment amounts, dispute status, and account remarks require deletions. 

Under the Fair Credit Reporting Act ( FCRA ), I request that EdFinancial and the credit reporting agencies delete these accounts due to unfair, inaccurate, and incomplete information. I request their immediate deletion from my credit report. 


Enclosure : Copies of my credit reports ( highlighting errors )
Product: Credit reporting or other personal consumer reports

I was checking my report an saw a hard inquire from XXXX  XXXX VIA DEALER XX/XX/year> on my report an I didn't apply for anything an it is affecting my report an Im in the process of purchasing a home.
Product: Credit card

I had a crefid card i had a XXXX dollar credit limit without my consent they pulled a crefit report from a credit agency i called amazon / syncrony bank and askef them to explain why my credit limit was dropped in swich they said do to a credit scoring pulled from a credit agency in which all thats on my credit report was there when the account was opened i asked them to send me a copy of my consent to pull my credit report with my signiture they said it would take take 30 days before i could get that info asked the why so long would not give me a answer only that it is policy
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report XXXX XXXX XXXX XXXX is reporting as a " chargeoff '' from XX/XX/XXXX to XX/XX/XXXX, reporting XX/XX/XXXX to XXXX XX/XX/XXXX as " ok '' and back to " chargeoff '' XX/XX/XXXX. Please review attachment for review. This is against the law and this needs to be deleted. This has also taken over 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 the records of convictions of crime which antedated 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: Checking or savings account

Dear CFPB, I am writing to file a formal complaint against Marcus by Goldman Sachs regarding my CD account, which has been locked for over two months without a resolution. Despite multiple attempts to resolve this matter directly with Marcus, their responses have been inadequate, and my account remains inaccessible. Below is a detailed account of the situation : Account Lock Notification : On XX/XX/year>, I received an email from Marcus stating that my account was temporarily locked and that action was required on my part.

Initial Contact : I called Marcus customer service on XX/XX/year>, to resolve the issue. They informed me that my account could be unlocked by verifying my identity over the phone. However, they claimed there was a problem with my phone number, which prevented verification. Marcus refused to provide details about the problem due to " security concerns. '' Alternative Verification Attempts : Marcus suggested that a relative with the same last name could verify my identity on the phone. I added my brother to the call, but Marcus then changed their requirement, stating that the relative needed to be physically present with me. This was not possible as my brother and I live in different areas.

Promises of Call Back : Marcus promised to call me back within seven days to provide an alternative verification method, but I never received a call. I had to initiate follow-ups, constantly calling them, only to be met with vague and unclear responses. Different people answered the phone, and they kept passing the responsibility around. 

Physical Mail Verification : Eventually, Marcus suggested verifying my identity through a physical mail sent to my address. I waited more than seven days but received no mail. I asked them to send the mail to my previous summer address as a test, but I still did not receive it. Since XXXX, despite following up every 5 to 10 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Marcus has continually promised to send the mail, but I have never received it. 

Most Recent Communication : On XX/XX/year>, I called Marcus again. They claimed they would attempt to send the mail back to my original address. To date, I still have not received the verification mail. It is important to note that I did receive a CD statement from Marcus at the same address, indicating NO ISSUE with my mailing address. 

I am highly concerned about the handling of this matter and doubt that Marcus is fulfilling its promises. My account has been locked for over two months, causing significant financial hardship to my family and severe XXXX XXXX to me. I believe Marcus 's failure to provide a clear and effective resolution is unacceptable and possibly negligent.
Product: Debt collection

I keep getting calls from there collection agency threatening to sue me and take me to jail and harassing my family with threats I 'm afraid to go to work and school because they said they will find me there and they have threaten to get me fired the agency Director is rude and threaten to come after my wages and family 's
Product: Debt collection

On XX/XX/XXXX Yamaha Motor Finance Company notified me that I was past due on a bill. This was likely due to me changing addresses and not receiving the bill. I spoke to the company 's representative on the phone and resolved the payment. However, due to Yamaha 's Motor Finance Company 's computer system they used an incorrect routing number to process the payment, which resulted in what they call a NSF or " Not Sufficient Funds '' and although this would typically mean there was not enough funds present in the account I was told by their representative on XX/XX/2021 that this is not the terms meaning, and that they " use this term for anytime a payment does not go through '' or something to that effect. This is obviously an absurd notion, that they would change the meaning of a phrase. I have provided the correct routing number in the past, and they have used it to charge me in the past, as noted by the representative on XX/XX/2021. However, Yamaha Motor Finance Company has continued the practice of using the wrong routing number and then charging a fee when the payment does not go through due to their own negligence. I believe this is a scheme to continue to charge me additional fees that are not owed and are the fault of Yamaha Motor Finance Company. This is simply put, a predatory attempt to gain an additional approximately {$70.00} each month. They have so far refused any responsibility, and will not even state that they have captured the routing number correctly for future use. I want the fee returned to me, and any possible fines or other actions taken against Yamaha Motor Finance who continues their criminal behavior of charging fees that are their own fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

The statute of limitations expired for this credit card account. However, it continues to report on my credit report from Navy Federal Credit Union. I request Navy Federal Credit Union remove this account from all three credit reporting agencies.
Product: Money transfer, virtual currency, or money service

Someone post a rent payment service on XXXX group saying they could pay the rent at discounted rate. They could made the transaction first and then I paid later. I seller them after I saw the transaction was made. But they reversed the transaction several days after. I didnt know it until this week I got a notice that the transaction got reversed because the card holder dispute.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent you the letter form the court house did not find any filling or any information shared with ypour organization and then all these inquirires which are not mine never requested any services from those creditors on those dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX