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

I lost my former job at XXXX due to XXXX XXXX XXXX XXXX, and after also reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was sent to unemployment by HR. HR then lied to the state, saying I picked this, and my unemployment funds, ie. any income help during a global crisis to which I was suffering from at the time, were withheld for approximately 4 months. I spent this time on the phone, making calls to get into relief programs, etc., anything I could to save my credit score and not lose my good standing there too, as is all I have left after working very hard for years to get it to the mid XXXX. XXXX XXXX was the ONLY company that did not have any options, but wasted approximately 3 weeks of my time, begging them with my situation for help. I was sent to one tier after another, then management, only to be brought back to the beginning of this call loop, making me now miss a payment when I was on hold in this circle of nonsense, with no solution other than a confirmed smear on my credit report. It will be included in the damages of my current lawsuit against XXXX multiple violations, and the ongoing domino effect it has had in my life. This is now negatively impacting my living situation, preventing me from getting my own apartment now that I finally have a new job. I have tried to dispute it through XXXX, however, only received a XXXX check from them months later for their 'failure to serve me properly during the pandemic, global crisis ongoing. ' Their dispute was settled in a matter of a week, and did not remove it from any of my reports, as they just confirmed they failed but put it on my shoulders. This nonsense is now on all XXXX reports and is the only negative thing listed there, messing with my life further. Their lack of assistance during a global crisis to which I suffered from yet still made it my full time job to call all billings I had to make sure I did not suffer further was to no avail with this heartless company, XXXX XXXX. I am working hard to eliminate any standing with them and close the account, but for now, need to continue my fight against their false report. I made every effort to remain in good standing and got help from all else but this company. They have taken action against me in filing these alleged missed payments ; I literally ran out of all my savings and had to ask family and friends to help me survive. Likewise beg billing services for understanding, adding more humiliation to a difficult situation. I should not be made liable for this, as is a false smear against me when this company simply did not act to assist anyone on a human level during a time of ongoing suffering in this world. give me my life back please and get rid of these XXXX missed payments ' I never missed. I literally lost everything, and XXXX seemed to go out of their way repeatedly to ensure I continued to suffer even more, and continue to.
Product: Debt collection

Omega RMS unlawfully reported an unauthorized account on my consumer report for {$18000.00} on XXXX I have not given Omega RMS written permission to put anything on my credit profile. Omega Rms have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against Omega Rms, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

I was less than 60 days past due on my payment but the company reported me 60 days past due. I called the call center on XX/XX/XXXX. I gave my husband verbal authorization to speak to the agent. The agent explained to us that their company only reports negative reporting when an account is 60 days past due. The agent confirmed that the XX/XX/XXXX payment was made on theXX/XX/XXXX. The payment that was due on XX/XX/XXXX was paid on XX/XX/XXXX. We made a payment on XX/XX/XXXX it was returned, and that was our fault, thus the XX/XX/XXXX payment remained outstanding, once we became aware that the prior payment was returned, we paid it again when we paid the entire balance on XX/XX/XXXX. All these due dates and payments as described here are not in dispute with the credit card company or us. The dispute arises when the agent explained that the XX/XX/XXXX payment, which was not made until XX/XX/XXXX, was actually 60 days past due based on the billing cycle. That is wrong, I can't wait for them to pull out some fine print to somehow explain that a due date printed on a statement is not really the due date. Once I get whatever answer that I can not even conceive of, then I will move to phase two of this complaint on how deceptive a practice it is to have a due date not really be the due date.
Product: Mortgage

Flagstar Bank has raised my mortgage amount the last two years by excessive amounts. I was just informed that they are raising my mortgage amount by {$2400.00} annually. They indicated that this is because my taxes and insurance increased by {$800.00} annually. They have Done this at least one year prior.
Product: Credit reporting or other personal consumer reports

Experian Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. The inaccuracies pertain to the payment history for an account listed under XXXX XXXX XXXXXXXX - Account # XXXX. This account is PAID IN FULL... 

However, According to the Experian report, the account was opened in XXXX of XXXX  ; however, the payment history does not reflect this, and there are additional discrepancies regarding other details of the account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. 

Specifically : FCRA 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate disputes regarding the accuracy of information in a consumer 's file.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates that credit reporting agencies maintain maximum possible accuracy in consumer credit files. 

Please review and address the following inaccuracies : Account Opening Date : The account was opened in XXXX, XXXX  but this is not reflected in the payment history. Date of Last Payment : The reported date of the last payment is incorrect. Last Payment Made : The payment amount recorded for the last payment is inaccurate. Last Payment Amount Received : The last payment amount received is incorrect and does not align with my account records. Date of Charge-Off : The charge-off date listed is incorrect and does not align with the account records. Amount Paid : The amount paid on the account is not accurately reported. Amount Past Due : The past-due amount is inaccurate. Account Rating : The rating assigned to this account is incorrect and requires correction. 

I have enclosed supporting documentation, including account statements, correspondence with the creditor, and other relevant evidence, to validate my claims. As mandated under the FCRA, you are obligated to investigate and correct any errors on my report within 30 days. 

Please conduct an investigation and provide me with an updated copy of my credit report reflecting the corrections. If additional information is needed, feel free to contact me via the information provided above. Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been resolved. 

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

Dear Sir, As per the Experian credit report dated XX/XX/XXXX, I observed that XXXX  ( XXXX XXXX XXXX XXXX, DE XXXX, ( XXXX ) XXXX ) did fraudulent inquiries dated XX/XX/XXXX and XX/XX/XXXX in my credit file. I did not contact XXXX  on these dates and these are fraudulent inquires on my credit report, which are associated to my name, my rental and business address, social, date of birth and various identification details.

Could CFPB direct Experian to explain the reasons in written letter ( one copy to CFPB and one copy to me for Honorable Court Proceedings ) for these inquiries dated XX/XX/XXXX, which were not authorized by me. Could CFPB direct Experian to remove XXXX   fraudulent inquiries dated XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX   XXXX, DE XXXX ) from credit report.

I had only two XXXX  credit cards, which were closed on XX/XX/XXXX and XX/XX/XXXX. I do not have any kind of business or loans or insurance with XXXX  for last 12 years.

XXXX has done considerable amount of Soft Inquiries in my credit report without my authorization and without my consent. This is the 14th Fraudulent inquiry for last one year ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX  in my credit file. its a crime, fraud and identification theft if anybody has taken any home loan or personal loan or auto or insurance or any kind of financial activity or any kind of inquiry using my social, name, rental and business address and various identification details. Experian credit file has been locked on XX/XX/XXXX as per the Law Enforcement Directions, also for court records. Also, all my individual XXXX credit cards were closed on XX/XX/XXXX, I do not have any business with XXXX and I also do not have any plans to have any kind of business with XXXX  for endless/infinite period of time. Experian informed to CFPB that identity thieves can apply mortgage loan application, financial activity and insurance by doing soft inquiry on my credit file, which is causing considerable amount of damage and nuisance to me. I have informed to Experian to block all the promotional offers and all the credit inquiries in my file, also all the XXXX fraudulent soft inquires ( around 14 fraudulent inquiries for last one year, every complaint associated to CFPB complaint number ) but Experian itself entertaining these nonstop fraudulent inquiries and causing considerable amount of damage, nuisance, disturbance and privacy. Could CFPB kindly direct my complaint to Respective Federal and Start Sheriff 's office and initiate appropriate action against XXXX  and Experian. Experian holds the complete legal accountability and responsibility for any kind of tragedy and accountability for these nonstop XXXX  fraudulent inquiries in my credit report ( every month, most of the times XX/XX/XXXX or XX/XX/XXXX of every month, someone might have taken loan or insurance using my identity, social and various identification details ). There should not be any account associated to my name, social, rental and business address and any kind of identification details.
Product: Mortgage

i have compliant multiple times, it seems no one care, they just call to shut me up, un ethical and no response
Product: Checking or savings account

I have tried for months to get my account correct with Cash app. Try contacting customer service for months. My account was hacked and put me in the negative. I open up another account and it happened again. Money was taken from both accounts and somehow they got into my Chase Bank as well. Customer service never responded.
Product: Credit reporting or other personal consumer reports

I initiated a credit dispute with Acima XXXX XXXX creditor regarding an account on my credit report. Both accounts have a XXXX balance however, it is showing missed payments that are inaccurate. I reached out to the creditors to have the late payments rectified but unfortunately, my request was denied. The creditor has not taken the necessary steps to remove the late payments and provided a vague explanation to why the late payments can't be removed
Product: Debt collection

Hello CFPB, I received multiple phone calls from a rude man named XXXX XXXX XXXX from Nationwide Debt Collections on XXXX XX/XX/2018. XXXX  first called me at XXXX XXXX on my cellphone, and then proceeded to call my work company three more times after, back to back, an hour or so later. After he called my cell phone to which I answered saying I was at work and that I would return his call shortly, he called me work phone which he is not allowed to do. I specifically told him not to contact me at work and to only contact me via my cell phone, and that I was unavailable to talk at that moment because I was at work. He then called my work phone again, and created lies saying that my dad didn't care if I went to jail or got sued, and he said my dad was swearing at him when he just got off the phone with him and he was upset at my dad. It was clear he was taking his anger out from my dad onto me, because my dad did not want to speak with him. He called an additional two more times, to which I asked my coworker to answer because I was feeling very overwhelmed and harassed by this rude man. He then started talking very rudely to my coworker, and told him he was a collection agency and that I owed money, disclosing very personal details to my coworker which he is certainly not allowed to do. He has a very aggressive nature, and my coworker was severely taken aback by XXXX 's behavior.

We already told XXXX that we are willing to go to court over the debt amount, but he still was harassing us and trying to scare us into paying. He also kept changing the amounts we owed.

I believe XXXX XXXX preyed on me because I was young, and he tried to get me to pay using deception and fear. I have never in my life spoken to someone so rude and overall as terrible as a human as XXXX. He is not allowed to harass me and call me employer several times, even after I explicitly asked him not to. He is also not allowed to harass my family members. He is not allowed to tell my employer about any of my personal stuff. He violated all these rights that I am protected with, and it is simply not okay.
Product: Credit reporting or other personal consumer reports

This vehicle was voluntary surrendered XXXX or XXXX of XXXX in the height of XXXX XXXX. The vehicle was sent to a repair shop of the XXXX XXXX warranty companies. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was aware of this. The truck was a death trap, shouldve never been sold to a consumer, previously wrecked vehicle. The truck was sold at an auction and since has been charged off! However I never received any info regarding the remaining amount and pace is reporting a different amount to the credit bureaus every month. The amount and information on my credit report is inaccurate.
Product: Credit card or prepaid card

I have had a Walmart credit card originally issued by XXXX XXXX and purchased last year by Capital One Bank for several years. Banks are always saying that we must use credit responsibly and I have used this credit card and my other cap-one cards responsibly. this card has had a XXXX {$0.00} dollar balance on it for well over a year. Before cap-one ever bought the account. it has continued to maintain a XXXX balance since they purchased my account last year. Today, I go to login to my account and i'm told the account has been closed. I did not ask for the account to be closed, I was not informed in any way the account would be closed. I called customer service and was told the account was closed because I had a XXXX balance on the card for 18 months. apparently it is CapitalOne 's policy if you don't carry a balance at least once in a 18 month period they close your account. it is absolutely irresponsible to be doing this! punishing customers that do not earn you interest should be against the law if it isn't already! i've been a capital one account holder for almost 20 years. I requested that the card be reopened immediately and was told I would have to apply all over again. This would further harm my credit by placing another hard inquiry on my report and issues with account aging. If you are legally able to force people to carry a balance, at least let your customer know 90 days before hand to give them an opportunity to use the account and restart that clock!
Product: Debt collection

Monterey collection so has obtained my information illegally which violates privacy act of 1976. Furthermore FDCPA practices suggests any student loans sold or bought, transferred etc arent covered under FDCPA law. Entity hasnt shown validation of debt. Original debt instrument according to federal procedure XXXX with my wet signature. If not signature to create acceptance of contract can be shown debt can not be verified. Method of verification hasnt been furnished. Date Alleged account opened inaccurate as an original instrument can not be produced with said date. XXXX ID hasnt been furnished by MONTEREY COLLECTION SV to collect in said state ( GA ).
Product: Credit reporting

We have disputed inaccurate info with the credit bureaus previously but all they did was indicate on our files that the info was under dispute and never removed it which was what was warranted. We went into a Chapt XXXX in XXXX 2014. All creditors are included and will be receiving payment from the Chapt XXXX. All XXXX credit bureaus still have not updated our individual credit files to reflect that we are in a Chapt XXXX. It 's being indicated on our credit bureau reports that we still have accounts in collections when all the accounts have been in Chapter XXXX since XXXX 2014. We contacted the individual creditors but they said it is not their problem. When the creditors submit info to our files, they indicate that there is a dispute as to whether the account can be included in the Chapt XXXX. We have verified that the accounts are in Chapt XXXX and that there is no dispute. XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX.
Product: Credit card or prepaid card

XXXX XXXX charged my credit card for XXXX in error. The quote I received was for {$480.00}. I called immediately and asked them to credit my credit card for XXXX because that was not our agreement. After a week or so they did send a refund of XXXX to Bank of America. In the mean time I called the credit card and asked them to stop payment for the charge of {$730.00}. They did that. Finally, I received the refund from XXXX they said they sent a second refund to Bank of America. And Bank of America did charge back to XXXX XXXX XXXX Bank for the {$730.00}. Bank of America said they sent the money back to XXXX XXXX XXXX. I have made numerous calls ( over XXXX ) to XXXX and Bank of America. The last person I talked to I talked to at Bank of America was XXXX, XXXX of claims at XXXX. I have also contacted XXXX in an attempt to clear this mistake up. I started talking to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX WI XXXX. When the XXXX XXXX XXXX would not help me I started talking to the XXXX XXXX office and they continued to claim I owe them money. I do not owe them money at all. In fact, they owe me money for the {$370.00} I paid for the policy XXXX. When I could not get XXXX to stop claiming I owe them money I cancelled the policy on XXXX XXXX 2021. The policy was only in effect for approximately XXXX weeks before I cancelled it. Please help me. I have been working this since early XXXX of this year. I have spent numerous hours on the phone with Bank of America and XXXX and they each claim it was the fault of the other company. I feel like I am stuck in the middle of this squabble between XXXX companies. I only signed papers for XXXX policy. That was XXXX and the cost was {$370.00}. I am due a partial refund of the {$370.00} I paid. XXXX started this mess when they charged the wrong amount. {$730.00} when they quoted a much cheaper price of {$480.00}. The policy and the {$480.00} was the only thing I agreed to and I should not be held responsible for their mistakes. I can be reached at XXXX. My name XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, WI XXXX.
Product: Checking or savings account

In XXXX, I changed cell phone numbers. I updated my phone number with my bank and needed to make a wire transfer from my business banking account. I called customer service who directed me to authenticating myself using the standard text messaging that I had used prior without incident. I set up the transfer and received a text on my new cell number and entered the last 6 of my ssn as instructed. I received an error that this was incorrect. I spent hours over the next month on the phone, in my local branch, and reaching out to the CEO/executive care line eventually as I followed Regions instruction and was locked out of all my accounts. After I finally was able to get access to my accounts again, I was told by an agent that I should have never had this happen as it was well known glitch that any customer who had a social security number where the last XXXX digits begin with a XXXX will trigger a fraud block - she said they had numerous trainings on this and it should never have happened nor been allowed to lock me out. 
The result was I was locked out of all XXXX of my Regions accounts for over a month resulting in Significant overdraft fees ( some of which were refunded after I continued calling ) and most importantly thousands of dollars in returned payments, late fees, the inability to pay any bill on time as I had zero access to my bill paying accounts. I have complained at all levels and was told indeed this was a well known issue with Regions transfer services but their response was after months of my complaints and requesting help, Regions had refunded some of their fees. As this was clearly a well known glitch with their system, it cost me weeks to finally have some of their overdraft fees recredited but it cost me thousands for every bill that was returned out of my account after I had proven my identity in person and filed numerous complaints. I am still suffering the financial penalties because of this error that was allowed to continue for weeks and the financial penalties to me have not been addressed at all.
Product: Credit card

On XX/XX/year> the banking " company '' Chime along with The XXXXXXXX XXXX XXXXXXXX created an account for me as well as completed a supposed direct deposit form and sent me a chime credit card without my consent. They refused to help me unless I confirmed my email, phone number, address as well as asked for the last 4 of my SSN. I did not give them any of this information and verified that there were no new accounts with XXXX.
Product: Credit reporting or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX