23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account iam asking you to verify, account name, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2019, I went into the Chase Bank located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I gave the Teller {$1300.00} to deposit into my checking account. I only wanted {$1200.00} deposited and I received {$5.00} back in change. I gave her my California Drivers License since I did not have my bank card with me. I am a student and really needed the funds in my account to secure housing. I did not realize the missing deposit until it was time to pay my housing expenses. The wrong bank account was credited in error. I immediately called the bank and they directed me to return to the branch where an adjustment could be done. 

On Wednesday, XXXX XXXX, 2019, I returned home to actually go into the Branch to get the error corrected. I met with a Banker and explained to her the situation. She said it should be resolved within 2 business days. Immediately after leaving the bank, I received a call from the banker asking who an unknown name was. I told her I did not know and the call ended. 

The following day I called the Branch and asked to speak with the Banker. I was told she was not in yet and they would have her call me when she arrived. Later in the day, since I had not heard back, I called again, and I was told they are trying to resolve the issue and were still investigating. However, they continue to add days to when it will be resolved. She immediately called me back asking additional questions regarding the facts we discussed the previous day. I reiterated the facts. 

She continued to get the amount wrong while continuing to add false information. It should not be difficult to credit my account since I gave them my deposit receipt with pertinent information. This is my money that should be credited to my account. Please help! I am a student and can not afford to give the bank {$1200.00}. I have no idea whose account was credited with my money, because my account does not end in XXXX. Thank you!
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 USC1681 } OAG CHILD SU Acct # 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 ... .Has violated my rights ( 15 USC 1681 ) section 602 ( a ) states. I have the right to privacy. ( 15 USC 1681 ) section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

( 15 USC 1681c ) ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes, which antedates the report by more than seven years. 

( 15 USC 1681 ) s-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 the information is inaccurate.
Product: Student loan

I received XXXX statements for the same student loan dated 6 days apart claiming the payment on the first was past due. The first statement was dated XX/XX/2016 and the second was XX/XX/2016. When calling they had difficultly explaining why this is happening and the amount on the first statement should not show as past due. I believe this is known as short-cycling and is not permitted.
Product: Debt collection

this company continues to harass me for a debt i do not owe in 2014 they did XXXX hard clicks on my credit and know they are sending me a collection letter for XXXX for XXXX i do n't owe this never have it was cleared with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion advertised credit reports for {$1.00} and it was not clearly disclosed that this was in fact a service that would begin charging me {$19.00} a month after 7 days. This was only written in fine print and could not be seen unless you scroll down on the page. At no point was there a clear and obvious disclosure of the service I was apparently signing up for. I am not alone in being deceived by these practices. TransUnion was already fined in 2017 for the exact same thing and yet they continue these deceptive practices. This is a scam. I was unknowingly charged for 4 months of their " service ''. They never once notified me of the transition from their " trial '' period.
Product: Credit card or prepaid card

On XX/XX/ 2019 while shopping at XXXX 's I was offered a new credit card application by a store associate. She said that if I applied and was approved I would get 20 % all of my purchases that day, including shopping online, regardless of the item and that there was no limit to the purchases. She said I would not see the 20 % discounts on my receipts but would see them on my statement. So I applied and received the credit card. I was only given a printout that served as a temporary card for that day. It did not have the terms of the card on it. I purchased a number of items and then went home and was dismayed to find that there was no credit card number on the paper given so could not purchase more from home. 
However, when I got the statement I saw that the item I purchased when the credit card was specifically offered to me did not have a 20 % discount but instead only a {$17.00} discount on a {$290.00} item ( {$320.00} with tax ). The other items had the 20 % discount applied. I called XXXX XXXX Customer Service and asked about this and they said there is a {$100.00} limit on the discount. I was not told this and in fact I am confused because the discounts for that day actually add up to {$100.00}. So something is wrong and I was given false information and false promises in order to get me to apply for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card or prepaid card

The reason of this complaint is to request a refund for sales check XXXX for {$1400.00} dated XXXX XX/XX/XXXX due to merchandise was never delivered. 

In XXXX XX/XX/XXXX I purchase a cooktop Sales Check number XXXX {$1300.00} ( cooktop ) + {$130.00} ( tax ) = {$1400.00}. Four service appointments were scheduled due to cooktop was defective. A Sears service and repair technician visited my home and attempted to repair the cooktop in occasions without success. For this reason, he determined that the cooktop had no repair and recommended to request a replacement under warranty. I contacted Sears warranty services at XXXX and requested a refund under the Master Protection Agreement ( extended warranty ). Two weeks later I received the refund in a check. I took the refunded check and went to the Sears store and purchase a new cooktop ( same model ) Sales Check number XXXX {$1400.00} dated XXXX XX/XX/XXXX. Estimated delivery was XXXX XX/XX/XXXX. Sears contacted me to notify that due to the merchandise not being available the delivery date was being postpone to XXXX XXXX, then to XXXX XX/XX/XXXX, then to XX/XX/XXXX, then to XX/XX/XXXX, then to XX/XX/XXXX. On XXXX XX/XX/XXXX contacted Sears Customer Solutions at XXXX and requested to cancel the order and requested a refund. As of today, Sears Customer Solutions have denied, in several occasions, the refund. The reason for the refund denial is that Sears argues I was already refunded and they will not refund again. Refund Request cases numbers XXXX, XXXX, XXXX. Should you need additional information I have created a detailed call log with dates, hour, who I spoke with and nature/content of the call. *** Please note credit card was paid in full***
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX  XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.
Product: Mortgage

On XX/XX/2017, we received notice that our loan servicer, Ocwen Loan Servicing, LLC,  was increasing our monthly mortgage payments from {$2700.00} to {$3500.00}. Ocwen stated it was as a result of a shortage in escrow payments from the original loan company, XXXX XXXX XXXX, due to ( 1 ) not funding the escrow fully at the beginning of the loan by {$1400.00} and ( 2 ) mischarging the amount to be charged monthly. As a result of these two failures, over a 12 month period, the escrow was shorted by {$8700.00}. With this XX/XX/XXXX notification we were given 14 days to begin the new payment which changed from {$2700.00} to {$3500.00} ( over a 25 % increase ). 

After contacting Ocwen, they refused to spread this shortage over a period longer than 60 months. We had to force them to find alternative solutions. 

Ocwen decided to contact XXXX XXXX   XXXX and were able to receive the missing escrow amount from the loan origination of {$1400.00}. They refused to acknowledge that they misreported the necessary amount of money to be charged each month. After much contact, Ocwen refused to match their amount and provided only {$500.00}. 

Our arguments are as such : XXXX XXXX failed to properly charge us monthly and therefore created our year-long deficiency. It has been very difficult to financially plan for a 25 % increase. 
Ocwen failed to identify the same problem at their purchase of our loan and continued to have us pay a cost that was not enough to cover the escrow. Then, they expected us to pay this 25 % increase in the mortgage within a short period of time.
Product: Credit reporting or other personal consumer reports

I've recently discovered an inaccurate account reported on my credit report by Mercedesbenz financial. The account in question is impacting my credit score and reputation negatively. Despite notifying the creditor of this error and requesting an investigation, no action has been taken to rectify the situation besides not even an clear explanation the representative didn't even understand the reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each bureau to correct my personal information and neither bureau has adhered to that request. My government name is XXXX XXXX. I am requesting any and all variations be deleted because they are not mine. My birthday is XX/XX/XXXXas shown on my attached ID. I am requesting any and all variations to be deleted as they are incorrect. 

I keep getting letters to verify my identity and still no deletion. I am again verifying my identity by submitting my STATE IDENTIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for a credit card recently and there was an inquiry done in my credit report. Transunion and XXXX  low my credit score for an inquiry that was made under my information.
Product: Debt collection

XXXX XXXX from a group called Premiere has been harassing relatives and friends regarding an outstanding debt they say is owed by me. I have requested a " Validation of Debt '' and they refuse to acknowledge or forward anything to that effect. They continue to harass and threaten or give me any other information. PLEASE INVESTIGATE THIS GROUP. The only number I can get for them is XXXX. There are numerous lawsuits against this company. PLEASE STOP THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602States I have the right to privacy.

15 USC 1681 Section 604 A Section @ : It also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, 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 USC 1681. 

XXXXAccount Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX. 
Account Number : XXXX XXXXAccount Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX CT TX XXXX Reference Number : XXXX Date Filed XX/XX/2021 XXXX. Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX. Account Name XXXX XXXX  Account Number XXXX XXXX. Account Name XXXX XXXX XXXX Account Number 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 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.
Product: Vehicle loan or lease

On XX/XX/XXXX. I called flagship credit to make a payment and discuss an Adjustment of late charges and other charges that was arbitrarily added to my account on XX/XX/XXXX and XX/XX/XXXX. I spoke to a CR Rep who advised that the adjustment was for the life of the loan but they couldnt give me any specific dates or send me an activity history show which dates those adjustment were mad. Im paying this loan off this year XXXX and out of no where they add XXXX and a separate XXXX to my loan. Why now. And why did I never see anything I writing.
Product: Mortgage

Call XX/XX/XXXX of 2023 a tree fell out of the house, which caused the roof and the ceiling to collapse on my grandson. That was a week ago. As of now the tree and the ceiling is still open. The tree is still leaning on the house they insurance company has not sent anyone out to take and put a tarp on the house of rain and hail has been coming into the house which has caused the floors to swell. The tree has not been removed. I sent in two quotes to XXXX XXXX, which was the adjuster I have not heard anything back from them. I contacted Kentucky Housing Authority and Kentucky housing corporation Kentucky housing corporation. Refuses to give me the name of the insurance company and the policy number the adjuster has not contacted me I have pictures I will send showing the damage to my house in XXXX XXXX XXXX, XXXX, KY XXXX XXXX. The electrical wiring is exposed and its wet. The rafter is cracking and is the adjuster with her. He already cracked but he pretended that he didnt hurt. Whats the raft ago was the whole ceiling or possibly the whole side of that house is going to collapse the house is really uninhabitable. I did not receive any money to go to a hotel so I have to stay here in the home who wrote the pictures and videos of the house and the damage thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my credit score from Experian - Membership ID # XXXX and they keep saying I have no credit score to receive? They keep saying I have to go and open more account? because they need multiple creditors reporting at the same time? I paid a fee of {$8.00} that was charged on my card for this score. on XXXX I called in 7 time and each time they transfer me to a different department asking for my information. After I give it they cant figure out why I cant get my score. I asked to speak with a supervisor and he Explained he would not give any score unless I open accounts. I opened a secured credit card a year ago to establishes better credit. They would not update that information at all unless I have more open accounts? I don't wont to be on the website that disables my freeze & opt out status so creditor offer me preapproved credit cards with there soft inquiry 's that end up on my report. I asked for my personal information, employment history, contact numbers, be deleted for this reason. I am trying to porches a home, but I need to see what is my current score so I can get an interest rate.
Product: Student loan

I was in default, a company set up a payment plan and told me once I was out of default the place that bought my loan would contact me and I could keep my {$5.00} payment. This never happened. When I was caught up Navient had my loan and put my payment at over {$650.00}.
Product: Debt collection

I am a federally protected consumer. I am directing this complaint against Transworld Systems Inc, for committing identity theft. Upon reviewing my credit report i noticed a fraudulently furnished account ( ACCT # : XXXX ) made by Transworld Systems Inc. I have never given Transworld Systems Inc, any permission to use any of my identifying information to commit mail fraud by contacting me in reference to an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ).

I have not validated any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems Inc any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Transworld Systems Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting

I sent a request for a Security Freeze, because I am a victim of ID Theft to XXXX TWICE. I sent them a police report, proof of address, my drivers license and my social secuirity card. I sent the request certified mail and it was signed for on XXXX XXXX 2015 and XXXX XXXX 2015 by Experian.. They have not placed a security freeze on my file although the other XXXX bureaus did place the freeze with the same documentation.