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

Im submitting a complaint to Trains union. I have spoken to them. The repesintive did not fix the issue. 
Im contesting the inquiries thta are made on my account from Trans union. I have been a VICTIM of their inquiry issue. 
These are the six accounts that Im contesting that should not be on my account. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 4.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unemployed since XX/XX/2020 due natural disaster ( COVID-19 ) I called Paramount Capital to inform them of my circumstances and was given the option to defer payments for a few months. Upon calling to ask if deferment was still available I was told yes and if I did not receive a call from company that means I have been approved and no payment would be due. Upon checking my credit report the company never called to inform of late payment which resulting in payment to go beyond 30 days late which has caused a negative impact on my credit report. The date they have reported late payment was the month of XX/XX/2020 in the amount of XXXX. I have tried to resolve this issue with company as well as disputing with the 3 credit bureaus stating this was due to a natural disaster and I am and have been an exceptional customer prior to the outbreak of Coronavirus.
Product: Debt collection

Received a noticed that I had a collection on my account on the XXXX of XX/XX/XXXX. I have been receiving calls with no one speaking to robocalls from various numbers for past couple of months, I attempted to call XXXX the XXXX XXXX, multiple times just to be hung up on or call transferred after asking to speak to someone. I had no idea or contact regarding this bill. no communication or contact prior to being listed as a collection. I have requested proof of debt and have not received to home address or email I provided upon contacting someone the XXXX of XX/XX/XXXX named XXXX. I have tried since up till the XXXX of XXXX to receive proof. numbers I have received calls from : ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX since XX/XX/XXXX. Automated call from a XXXX XXXX robocall. Reported to FCC as I asked to no longer be contacted by phone, and done though mail. random times thoughout day. would pickup and they hung up. numbers i called : XXXX, and ( XXXX ) XXXX listed on website. horrible communication, and still no proof via mail sent. I want this removed ASAP.
Product: Credit card or prepaid card

Rewards program gift cards were sent by XXXX but not delivered due to damaged package. Contacted the company noting the information provided by XXXX but was denied because the gift cards had been used.
Product: Checking or savings account

My bag was stolen the day I received my card. Someone used my card without my authorization can I receive my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent TransUnion letters along with proofs of identification ( drivers license and social security card ). I disputed three account listed on my credit report ( XXXX, XXXX XXXX, XXXX XXXX ). I received a letter dated XXXX XXXX, stating that I need to send verification of my date of birth in prefer to have my date of birth year update from XX/XX/XXXX to XX/XX/XXXX. But my identification was included with the paperwork I sent in. Therefore, I contacted them today. I spoke with customer agent XXXX XXXX who informed me that nothing is in dispute or investigation and that my paperwork has been received. Then I spoke with supervisor XXXX XXXX who says he just updated my date of birth himself. I continue to question him as to why nothing was done regarding the disputes, inquiry removals, and update information that I requested in the paperwork. He could not tell me. I asked that they validate and verify the three accounts and if they could not send me the proof of how they validated and verified the information regarding each of the three accounts that I ASK THE THEM TO DELETE THEM AS THEY ARE NOT VERIFIED NOR VALIDATED CORRECTLY. As of today nothing has happened on there end at all and it has been over 5 days since they received my paperwork as they only require 5 days to process paperwork, as supervisor XXXX XXXX informed me.
Product: Mortgage

1 ) The mortgage servicer Mr. Cooper has denied the review of Mortgage Assistance for XXXX XXXX XXXX.2 ) Mr. Cooper states the monthly payment would increase therefore mortgage assistance application can not and will not be reviewed. However, Mr. Cooper has not provided any evidence of this, other than verbal communication.3 ) Mr. Cooper then stated that they would assistance and review any Loss Mitigation Assistance options and any efforts to resolve debt ; however a Ratified Contract of Sale has been provided to Mr. Cooper to sale property on XX/XX/XXXX and has not been honored4 ) Mr. Cooper has instead set a sale date of XX/XX/XXXX. Mr. Cooper plans on proceeding with the foreclosure sale, rather than honor the ratified purchase contract set to close on XX/XX/XXXX.5 ) The actions of Mr. Cooper are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, Mr. Cooper violates the rule of RESPA AND ECOA, while failing to properly and timely provide Mr. XXXX with required communication in regards to Acceleration of debt, Verification of Debt, or any foreclosure communication.

2 This practice violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer 
Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.

6 ) As stated in the opening of this Notice of Error, Mr. XXXX complied with instructions provided by Mr. Cooper and provided Mr. Cooper with ratified purchase contract. However, a foreclosure sale date was scheduled, and assistance and purchase agreement ignored. As of XX/XX/XXXX, the sale date of XX/XX/XXXX remains on record.
Product: Credit card or prepaid card

I am writing to ask you for help in admonishing XXXX for their wretched, selfish behavior. 

They were my mother 's all time favorite store. Prior to her death, mom had ordered {$44.00} worth of clothing, which happened to arrive while she was in the emergency room. She knew then, I guess, after 7 years of XXXX, that she wasn't going to come home, even though we did not understand that. She asked us to return the items, which we did the day after they arrived. 

She died XXXX weeks after being admitted to the emergency room, on XXXX XXXX. She was in tremendous pain during that time. 

XXXX charged us {$19.00} for the return -- but not until after her death, so a couple weeks after the return. Fine. 

We received the bill on XXXX, which was the day it was due. 

On XX/XX/XXXX. I called and asked for a grace period of another week as we were in deep mourning. " XXXX '' said no problem. I still mailed the {$19.00} that day. 

On XX/XX/XXXX, I called because I'd gotten yet another bill, and " XXXX '' asked me to mail the death certificate, which takes XXXX weeks to receive in MD. They said when they received it they would remove all of the fees and not to pay any fees or bills. 

I did so on XX/XX/XXXX. I sent everything they asked for. 

The bill became {$29.00}. 

Then the bill became {$60.00}. 

I also called repeatedly. But now, everytime I call I have to enter in her card number, then her social security digits -- and only then did I get a message that their office is temporarily closed. I have called more than 12 times and this is what happens, so I'm guessing they don't want to talk about this account. 

On XX/XX/XXXX I finally mailed the next bill for {$60.00} just to stop the craziness. 

They held this check for nearly 3 weeks before depositing it, which meant it was deposited late. Everyone else I paid on that date deposited the checks within a few days. 

Today, XX/XX/XXXX, I have yet another bill for {$60.00}. Sent less than a week before the due date which is XXXX ... which means if I pay it, it will be late -- and they will send yet another bill -- a week before it is due. 

Is this ever going to end? 

No one else is this rude. Everyone else answers their phones. 

Everyone else heard that my dearest, most wonderful mother had died and carefully helped us to close out her bills. I'm not asking for anything here other than how to close her account and stop receiving these late bills from them. 

The {$19.00} should have been the final bill. 

Please advise. I really do not know how to resolve this short of blasting them on social media. 

Details : XXXX XXXX XXXX is the name of my dear mother
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found multiple in accuracies ; XXXX XXXX XXXX XXXX also XXXX funding account number XXXX report across all three bureaus are different. 
2.Report as closed account on XXXX but report payment activity on XXXX 3 XXXX Report different dates of the last payment on each bureau. 
4. payment history differs on all three. 
Please remove it from my credit report. By the provision of the Fair Credit reporting act I ask that these items be removed. this is a clear violating pf 15 U.S.C 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S.C ( 1 ) a person shall not furnish any information relating to any consumer to any consumer agencies if the person has notified that such specific information is inaccurate. I understand that you must complete this investigation within 30 days under 15 U.S.C Sec 168i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an collection account with NFCU and it was settled back in XX/XX/2021 this is my second complaint pertaining to this matter because one of the accounts is still reflecting derogatory in the status and still effecting my credit in a negative way. This is past the 90 days to have it fixed properly.
Product: Credit card or prepaid card

So on XX/XX/19 ... without any notice or warning or just simple courtesy, my credit card company decreased the credit limits on my 2 cards. One went from XXXX to XXXX and the other went from XXXX to XXXX. 
I have never missed a payment in 3 years. In fact, I just made a XXXX dollar payment the previous month. I have fought to get my credit back up, and now they are saying I owe too much money with other cards, even though my credit utilization is at 31 % ... the best it's been in awhile because I'm working on it. It was over 40 % ... Now my credit utilization is going to increase significantly with the limit decreases. In fact, I have never missed a payment on any credit card or loan, I pay my rent on time every month ... and now I'm not credit worthy? 
I tried to call and talk to them and they said there is nothing they will do for me short of me paying off most of my outstanding debts to other companies..which I have been working on ... which is why my utilization has been decreasing. 
I have been paying on time and consistently to every merchant. This is going to cripple me and bring my credit score back to where I started. I have never heard of a credit card decreasing your limit without a single missed payment.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from : XXXX XXXX XXXX XXXX # XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX SC XXXX These inaccurate reporting account an comments Is a violation To The law. 

Comments : Payment after charge off/collection Paid profit and loss Unpaid balance reported as a loss by credit grantor. 
Amount in high credit original charge-off amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verificat
ion as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

account number XXXX XXXX XXXX XXXX XXXX {$21.00} ( Paid ) In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

Received a new credit card that I did not request. I received the card on XX/XX/2019. The card was sent from Keybank Card Ops - XXXX XXXX XXXX, XXXX, Ohio, XXXX. On XX/XX/2019 I sent Key Bank an email asking why I received the card. They responded by requesting account information that I did not supply. I am concerned that this is a scam since I did not request the card. I sent a follow-up email on XX/XX/2019 stating that their bank sent me a credit card that I did not request. Isn't that against the law? I received a call from " the bank '' on XX/XX/2019. I was not at home. They left a message. On XX/XX/2019 I called the bank and spoke to a representative. Of course that requested my account info. I refused. Asked if they could look up my account utilizing my full name and address. She said they could not ... which I find hard to believe. I would just like to know why they sent me the card. 

Thank you.
Product: Credit reporting

I have disputed XXXX incorrect addresses reporting on my credit with Transunion over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

I was laid off due to Corona Virus. As such I proactively called Wells Fargo on XXXX  XXXX and was given a 90 day deferment on my mortgage. I was told that the loan payments would be added to the end of my loan and that I would not be past due or have any negative impact as a result of the deferment. My next payment was not to be due until XXXX XXXX.

Today when I checked my mail I received a statement from Wells Fargo showing I am more than 30 days past due and that I have two mortgage payments due. I called Wells Fargo but they were closed. I was routed to an automated system that recognized that I was past due and instructed me to be enrolled into a COV-19 process that told me " They were here for me '' and could help me but I would have to make up any payments I missed up front before my loan went back to normal. This is not what I agreed to on the phone with the agent earlier in the month. 

Wells Fargo offered me one thing and then changed the offer after I agreed to it without telling me what it was. As a result my credit is going to be impacted and I am being taken advantage of while the entire country is under a stay at home warning. This is predatory and should NOT be allowed.
Product: Credit card

I have been a customer of Citibank with this credit card account for 14 years. 
I noticed a few years ago that I was being charged double purchase interest. I called to ask why and they told me that it was something I agreed to but I never recalled agreeing to this and they could not provide proof of this. I ask if they could at least lower my interest rate since I was a long time customer and they denied this and continued to charge me double interest with a high interest rate. 

A few weeks ago, the credit card was paid in full prior to the billing cycle finishing. At the beginning of this week I received an e-mail showing I had a balance because they charged me double interest, even though the card had a {$0.00} balance. I contacted Citi bank to remove the interest charge that should have not been charged and they denied removing the interest charge. 

They also said they could not share the chat transcript with me.
Product: Credit card or prepaid card

I have several cards with capital one and some of them I've had for over 8 years. Not once has capital one offered to lower my interest rates even though I usually pay my card on time and in full. 

Recently lost my job and went to business for myself flipping homes. As I was about to complete my project, the hard money lender I needed to use went out of business. I had no choice but to complete the work with credit cards. Just as the work was being completed, the Corina virus hit. I finished the work with my credit cards and put the house on the market but no activity thus far. 

Right now I can't even make my personal mortgage payments. 

I called capital one to try to get relief under the Cares Act 2020 but their representatives tell me they have no " offer '' for me. I didn't realise the banks get to choose to whom the offer relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 accounts since XX/XX/2018. I reached out to the collection agency and have yet to have received a response. These are not my debts. One amount is for {$3600.00} that started out as {$3600.00} and the other alleged debt started out as {$3200.00} and increased according to XXXX as {$32000.00}. How do you have a {$29000.00} increase within 60 days? I did make a phone call to Hunter Warfield when I first noticed it but never could get anybody on the phone, which is why I asked for help from the credit bureaus initially. I have asked for evidential validation of these accounts ; however I do see that XXXX went and closed these accounts after I requested to either validate them or remove them. I also sent a dispute letter via fax to XXXX. I also requested information since they were adding interest on this account because all third-party debt collection agencies are required by Texas Finance Code, Section 392.303 to provide evidence that they have the authority to collect interest or a charge, fee, or expense incidental to the debt obligation. Also, it is to my knowledge to cease collection as a dispute is being investigated. Substantial amounts of interest were added on as I disputed these accounts. Clearly these are outstanding violations and definitely not protecting my consumer rights. This is absolutely unacceptable. I am hoping that you can help me. I have attached the letters and receipts I sent over. I crossed out my name for my protection. If you need any additional info please feel free to let me know.