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

This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX, XXXX, and XXXX credit reporting agencies alleging that XXXX XXXXXXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XXXX and XXXX XXXX XXXX XXXXXXXX reported to XXXX that the Date Of First Delinquency is XXXX XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to Select Portfolio Servicing Inc. account number XXXX, in compliance with FCRA. 
2. However, XXXX and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel XXXX, and XXXX to reconcile my credit file as to account number XXXX to be consistent with that of XXXX. 
3. XXXX XXXXXXXX XXXX sold account number XXXX to SPS Inc. as of XXXX/XXXX/XXXX which clearly state the intent of XXXX XXXXXXXX XXXX and its expressed date of first delinquency as " XXXX XXXX '' which also applies to SPS Inc. account number XXXX as well. 

4. SPS inc. has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between SPS IncXXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the XXXX is ( XXXX XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXX 's tradeline no longer appears on the same credit report that the collection agency, SPS Inc. 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.
Product: Checking or savings account

I was contacted via Chime 's support number by someone with my name, my user name, my debit card and my social security number. They gained access to my account and possibly cloned my debit card and made 7 transactions from XXXX XXXX PST on Saturday, XX/XX/2020 until XXXX XXXX  PST the same day totalling {$8200.00} ( nearly all of the funds in my account. ) These transactions were made by another chime user ( {$2000.00} to " XXXX XXXX " And the rest was made to " XXXX XXXX '' in North Carolina. I have read on XXXX  about many people having this same issue with Chime, and it isn't just the customer 's fault. Chime needs to do something about user security. I work very hard for my money, and it is all gone. I disputed these transactions the minute they happened with Chime 's support, as well as filed a police report with the XXXX XXXX Police Department, emailed The XXXX XXXX, filed a report with IC3.org and the FTC, as well as made a claim with the XXXX. Please help me get my money back.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX  Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. CXXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

Hello I was checking XXXX XXXX and noticed I had a hard inquiry for a credit card with capital one which I had never applied for and I need for that to be taken off since I never applied for a credit card with that company
Product: Credit card

Over a period of about a week starting XX/XX/XXXX, someone began making large transactions using my credit card at XXXX, XXXX XXXX, and other stores, adding up to about {$26000.00}. When I discovered this on XX/XX/XXXX, I called chase and identified the fraudulent charges, and they removed the charges from my account and issued me a new card, so I thought everything was fine. Over the next couple of months they occasionally called me to ask for details to assist in their fraud investigation, but I couldn't think of anything unusual that happened that could've explained exactly how someone could have gained access to my card. Then on XX/XX/XXXX, they posted a letter to my account claiming that I had " received benefit from the transactions '' and was therefore responsible for them, and immediately added the {$26000.00} of charges back to my credit card. When I tried to call and ask what this meant they were unable to provide a satisfactory answer ; the only useful thing they said was that on the date of the first fraudulent transaction, I had apparently given them a phone call telling them that it was a valid use of my credit card, but this was completely untrue : I have no memory of such a call, and my call history shows XXXX calls made or received by me on that date. When I told them this, they said they would reopen the case, but they refused to remove the charges from my account because " that's not their procedure for reopened cases ''. This is especially annoying because the {$26000.00} of charges put me well over my credit limit, rendering me unable to use the card unless I paid a significant portion of them off ; the fraud department told me that I should be able to request a temporary credit limit increase from customer service, but when I called customer service they claimed this wasn't possible and that I just had to apply for a normal credit limit increase. I did ask to do that just as a potential temporary solution, but there's no guarantee that will go through or that it will be a large enough increase where I can avoid paying off the charges. The abruptness of charging my card with such a huge amount and their inability to provide me with prompt assistance has left me feeling extremely stressed and frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I requested XXXX XXXX, by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, and Experian by Certified US Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/2021, to please send me copies of the documents that they have in your files as of this date that you used to verify the accuracy of certain accounts they are reporting on my credit report. 
I informed them that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their files, at the time of this request, concerning the above accounts that they are reporting in my credit report. 
I requested that they please do not respond to my request by saying that these accounts have been verified, instead, please send me copies of the documents that they have in their files that were used to verify them. 
As of this date, more than 30 days have passed and they have failed to comply.
Product: Mortgage

I fell behind on my mortgage due to loosing my ex 's household income, I also was XXXX at the same time & lost my job. I have applied for a modification on serveral occasions with Ocwen, and they deny me every time stating that the " investor does n't allow a modification ''. My attorney found my mortgage papers and the investor XXXX XXXX XXXX trustee ) had a clause in the loan stating that the loan could not have a modification. I contacted the trustee, they said that the servicer can allow a modification, me servicer XXXX Ocwen XXXX still refuses to allow a modification. XXXX has turned me down because of the investors clause. My attorney has stated that a foreclosure judge can not order Ocwen to offer me a modification. that my only option is to file a BK XXXX if I want to save my home. I 've spoken with BK attorneys and even doing a bk XXXX, the monthly payments would be too high for me to afford. I am now working but had to take a lower pay because not a lot of companies will accommodate the time I need to take off for my XXXX needs
Product: Credit reporting or other personal consumer reports

Given the violations that Navy Federal have committed, I no longer trust them to do the right things by me. Therefore as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 ( b ) effective immediately and indefinitely
Product: Mortgage

Freedom mortgage keep purposely misapplying escrow payments. I paid {$2900.00} on XX/XX/2021 at the direction of Freedom Mortgage, per email correspondence to ensure my mortgage payments do not increase, post covid forbearance. When they received that payment which I sent to the address with " escrows '' written in the payee and memo of check, Freedom Mortgage applied it to the balance of the loan. When I called to get this payment correct again, the agent hung up on me. I called back again, the next agent tells me they are required to apply it to past due balances, which is opposite of what I was told. This company needs to be investigated for this repeat issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX Subject : Cease and Desist Unauthorized Reporting on Credit Report Dear Sir/Madam, I am writing to formally request that LVNV Funding LLC cease and desist from unauthorized reporting on my credit report. Upon reviewing my credit report, I discovered an account reported by your company that is unfamiliar and believed to be incorrect. My personal information was compromised during the XXXX data breach, and I suspect this unauthorized reporting might be a consequence. 

According to the Fair Credit Reporting Act ( FCRA ), unauthorized or inaccurate reporting is against the law. Specifically, 15 U.S.C. 1681s-2 prohibits furnishers of information from knowingly reporting inaccurate or incomplete information to credit reporting agencies. Your immediate action is required to remedy this situation in compliance with this law. 

I demand that LVNV Funding LLC : 1. Cease all communications with me, including by phone, mail, email, or any other means. 
2. Remove any and all unauthorized trade lines, accounts, and inquiries submitted by your company from my credit report with all major credit reporting agencies. 

Please confirm receipt of this letter and inform me of the actions taken to comply with my demands within 30 days. If this issue is not resolved promptly, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action to enforce my rights under the FCRA. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

In The Past Years This Is The Third Time Debt Collectors Have Tried To Collect On A Debt Not Owed. Also Attempts To Putting It On My Credit Report. It Has Since Been Removed From My Credit Report. But Now They Are Back To The Same Tricks Again. 
I Have Evidence That My Bill Is That Of " XXXX ''. I Just Spoke To The Hospital  This Week, And Have Also Obtained A Faxed Letter From The Hospital And The Attending Physician That My Information Is Accurate. 
This Is Continued Harrasment, To Fight To Keep The Debt Collectors From Trying To Ruin My Credit Report.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the XXXX payments will result in legal action being taking. Remove late payment.. 

Accounts XXXX XXXX XXXX XXXX ( Account number XXXX ) XXXX Late Payment XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX and XXXX  XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

My wife and I receive at least 10 calls daily. When we ask what this debt is for, we are told they are unsure, and they will send information through mail. We have no idea what the debt is for or why they continue to harass. We owe nothing to Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed several times with 3 credit reporting agencies to correct the principal balance and interest rate and payment history on said loan with XXXX XXXX XXXX. 

XXXX is reporting incorrect information to 3 credit bureaus on Account principal balance and interest rate and payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX XXXX   They gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX  XXXX My phone number is XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. 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, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX  Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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

In accordance with the fair with the fair credit reporting act XXXX account XXXX XXXX has violated my rights.

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

15 USC 1681 section 604 A section2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

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 and purpose.
Product: Debt collection

On XX/XX/XXXX my XXXX XXXX accounts were frozen. I learned that the name of the company that froze my account is TAPPER AND FRATTO , LLC. I left them a message and a woman called me back. She informed that they obtained a judgement against me on behalf of a rental apartment complex named XXXX XXXX XXXX where I lived in back in XXXX. I asked her for documentation about this and she told me that I had to get it myself. When I looked up my name ( both married and maiden ) in the XXXX  XXXX, I see no such case nor judgement entered. Additionally I was never served any court papers pertaining to any of this. When I researched this company Tapper and Fratto , LLC I learned that the company is NOT IN GOOD STANDING, so how is this process even legal? The XXXX of XXXX  makes clear that : If a business is not in good standing, it may not legally conduct business in XXXX How is this company allowed to practice debt collection while not being legally allowed to conduct business? Where are the copies of this lawsuit or service?
Product: Checking or savings account

As of XX/XX/18 my available balance has not match my correct running balance. 

I attempted to make a payment with my debit card and was being advised my card was declined. Upon investigating I determined my current balance is missing {$50.00} and isnt reflecting accurately with my running balance. 

I contact my financial institution on XX/XX/18 to fix the matter. At that time a representative reversed fees that were caused as a result of their discrepancy. 

He advised me he would submit a ticket to the appropriate department to rectify the matter and to check back in 24 hours. 

I called back the next day and had a ride XXXX on the phone who wouldnt acknowledge what occurred on the call the day prior and hung up on me when I requested a manager. 

I waited a week and called back on XX/XX/18 when the XXXX discrepancy was still their ... and that time I spoke to XXXX at extension XXXX who claimed to be a manager. He advised me that a ticket was not submitted on XX/XX/18 but he would submit one now and again to follow up in 24 hours. 

I called back on XX/XX/18 to see what the results were and was advised I needed to be transferred to their dispute department. They transfer me to extension XXXX, I was on hold for XXXX minutes and then the call dropped I called back on XX/XX/18 and spoke to XXXX XXXX extension XXXX who claimed to be transferring me to a supervisor queue, I was on hold for 30 minutes and then a new XXXX XXXX exstension XXXX was on the line saying I wasnt transfer to a surpervisor and was just queued back in to the XXXX line ... XXXX said he needed to transfer me to the dispute department ... he transfer to extension XXXX again ... at this point I have now been on the phone for over an hour ( screenshots provided ) I was now connected with a rep XXXX who claimed not to have an extension but said his employee ID # was XXXX, I requested to speak to a manager and he hung up on me ... 

I called back and dialed XXXX for dispute department and was connected after 30 minutes of additional waiting to XXXX extension XXXX in the dispute department, she claimed that my issue was a customer service issue and not a dispute issue and tried to transfer me back to the original department that has been trying to transfer me to the dispute department ... I advised her that wasnt going to be acceptable and I wanted to speak to a manager now. After having me hold for several minutes she came back and found a manager for me to speak to, she was unable to provide his name but said his extension was XXXX and she would be transferring now, I was Place on hold again for 15-20 minutes and no one came to line ... at this point on XX/XX/18 I had already gave two hours of my life to trying to resolve the matter on these calls alone To this day my actual balance does not match my running balance which is short {$50.00} Ive been tying to resolve this since XX/XX/18 and today is XX/XX/18 ... I have been getting the run around and have yet to be able to speak to an actual manager or anyone who can provide any real assistance Please help me XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX XXXX, and BRCLYSBANKDE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and BRCLYSBANKDE with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

My XXXX XXXX XXXX has been frozen due to 3 banks on my credit that i know absolutely nothing about & this stopping my credit from going up the way i need to
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX I am requesting that you remove the phrase below from my credit report and never put it back on again without my explicit permission to do so : Notices This address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL, XXXX. 

Attached to this complaint are : - written complaint - screen shot of where its located - drivers license - social security card - address I did not give permission for this to appear and expect it to be removed at once.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act TransUnion 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I opened a BBVA Compass ClearConnect Checking account on XX/XX/XXXX which had a sign up bonus attached for {$200.00}. This was my first account with BBVA Compass. I completed the requirements for the bonus on XX/XX/XXXX. The terms state they will deposit the bonus within 60 days of meeting the requirements, which they have not done.
Product: Debt collection

This is in regards to Southwest credit systems they have violated my consumer rights under the F.D.C.P.A I sent the company a invoice for XXXX for four diffrent individual actions. I really could get them for more but I won't do that just yet. I also asked them to send me validation to such alleged debt. 

I am now demanding southwest credit systems for cease and desist on this collection account and also a deletion on my consumer report as it is a median of communication. 

They also received this invoice and validation request on XX/XX/2021 as I sent it certified mail.