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

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until Mar 2023 XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing for assistance to determine the legitimacy of the owner and servicer of my mortgage. With whom should I speak to regarding the owner ( s ) and servicer ( s ) of my loan. Currently, the owner is XXXX XXXX XXXX and servicer is Caliber. 

In XX/XX/XXXX, Caliber did a modification. After doing so, Caliber changed my FHA Fixed rate mortgage to an Conventional Adjustable one, When I discovered the issue I filed a complaint with Consumer Financial Protection and Caliber was supposed to have corrected the issue. 

As of XX/XX/XXXX, the owner will be XXXX XXXX XXXX and servicer is XXXX XXXX XXXX XXXX. In lieu of the fact that fraud is as at an all time high. I am trying to ensure the aforementioned is accurate and the transfer is legitimate. 

Please let me know who I should speak with regarding the issues listed. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to Experian, XXXX, and XXXX about errors on my credit. I did not receive any correspondence and i had tracking on my letters, and they were received on XX/XX/XXXX and XX/XX/XXXX. There are late payments on a loan with XXXX XXXX that is inaccurate. I was never late with them. There are late payments on a XXXX XXXX XXXX account from XX/XX/XXXX that is also not accurate. They are reporting false late payments, which hurts me financially because my credit score is lower than it should be. Both of these creditors told me that I have to fix this incorrect information with the bureaus. However, I am being completely ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. I REACHED OUT TO XXXX, XXXX AND EQUIFAX TO DISPUTE THE INQUIRES AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. I HAVE FILED A POLICE REPORT AND FTC REPORT AND THE CREDIT BUREAUS HAVE FAILED ME. 

XXXX ON XXXX REPORT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  ON EQUIFAX REPORT, XXXX XXXX undefined ON XXXX REPORT NONE OF THIS INFORMATION IS MINE, IVE DISPUTED IT SO MANY TIMES AND NOTHING HAS HAPPEN.
Product: Credit card

I am XXXX XXXX military for over a year. AMEX has been trying to charge me a {$700.00} annual fee for the platinum card that is suppose to be waived. They claim I am not eligible and continue to get denied by the DoD. I have requested for re-evaluation twice, opened a case and submitted my orders from XXXX  that proves I have been on a continuous strain of orders ( since before they began claiming me indelible through the present, and finally I submitted a complaint to have the case looked at. All of which have been turned down and closed because " I am ineligible ''. They still have not provided an actual reason as to why I am ineligible. To my knowledge I just need to be XXXX  XXXX XXXX military, which I have been, and I have provided the documentation for that. I am trying to avoid paying {$700.00} out of pocket because the DOD won't review my actual records on file.
Product: Credit card or prepaid card

Yes my Barclays credit card has been given to me XX/XX/2022 I used the card account and everytime the alert for purchases popped up I clicked I authorized them then all of the sudden they said for me to call because they thought fraud on the account even though I authorized it like I was supposed to do i I called XXXX times and was told I could use it that it was fixed now I still can't use it this is ridiculous they have done it before to me and I couldn't use the account for over XXXX  months I want this fixed
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. On XX/XX/year>2023, an account appeared on my credit report for a debt of {$230.00}, and again on XX/XX/scrub> 2023, for {$310.00}. 

According to **15 U.S. Code 1692c**, if a consumer notifies a debt collector of a dispute regarding a debt, the collector must cease all communications until the debt is validated. Additionally, under **15 U.S. Code 1692g**, the collector is required to provide written verification of the debt. Furthermore, **15 U.S. Code 1681e ( b ) ** mandates that any information reported to credit bureaus must be accurate and complete. 

It has come to my attention that this account has been reported multiple times for different amounts without proper validation. The debt collector has refused to cease all communications despite my notifications, which raises serious concerns about compliance with these laws. 

I request that your office investigate this matter and take appropriate action to ensure my rights are protected.
Product: Credit card

Home Depot dropped my credit limit from {$25000.00} to {$500.00} and then demanded I pay the balance that was now over the limit ( which was approx {$4000.00} ). I have spent hundreds of thousands of dollars with their company and have never been late on a payment during the 10 years that I have been a customer. Two days before this happened, I paid off {$17000.00} I spent on a new kitchen just before the 0 % interest promotion ended. I believe that they did this as punishment for not exceeding the promotional period and accruing around {$7000.00} in interest. I tried to resolve this with their company XXXX times and after being transferred around from person to person over and over, they finally just left me on perpetual hold and never answered again.
Product: Credit reporting or other personal consumer reports

Hello, my company will be against the credit reporting agency Transunion specifically, but I think that all of the credit reporting agencies should be investigated. I would like to know why they have to drop consumers points by a ridiculous amount a lot of the time? Sometimes for minor things! I think that the points system should be explained much better to all consumers. Please Help!
Product: Debt collection

This is Wells Fargo. On XX/XX/2017 their system called my cell phone and left a voice mail lasting 1 minute and 22 seconds without saying a word. I feel this should be considered a form of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Card # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Discover bank was contacted to address a financial hardship. Resulting from covid19. Discover disregarded that issue. And would not work with me on a resolution. Discover then began to contact me as many times as 16 times in a 7 day period. Harassing me at all hours of the day. When I spoke with a representative. I was told " we can contact you when we want ''. They used multiple numbers including XXXX XXXX XXXX and XXXX XXXX XXXX As well as multiple other numbers or blocked calls. The 16 calls in a 7 day period was in reference from one number alone.
Product: Checking or savings account

AMEX Bluebird closed my account and suspended it pursuant to section 22D of their user agreement. I lost XXXX USD for trying to EE Savings bonds through treasurydirect.gov and taking too much money out of my set aside account. All ACH transfers ; no cash loads. Its been a week and a half now and the money 's gone. I want a reimbursement check or ACH transfer back to my XXXX XXXX  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

This is another follow up complaint against Bank of America. This complaint is continual and linked to CFPB # XXXX, XXXX, and XXXX. To date, Bank of America has not accurately updated the status of these loans, which were settled via Short Sale XX/XX/XXXX. I have attached a copy of a portion of my XXXX credit report showing the misleading and confusing status of these loans. It also shows incorrect High Credit Balance for the second mortgage of over XXXX dollars which is not only incorrect, it is outrageous. I need Bank of America to update their credit reporting of these loans to reflect that the loans were settled in full and there is no balance. I also need them to reflect an accurate High Credit Balance. I need them to update these information with all Credit Reporting Bureaus asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by theft
Product: Checking or savings account

In reference to Complaint -- XXXX IDT CLAIM XXXX ( CC # XXXX CHECKING # XXXX XXXX OCC CASE # XXXX FTC # XXXX U.S. Bank response is  the Judgement, OR ORIGINAL COMPLAINT IS THIS. THE JUDGEMENT DID not originate from U.S. Bank, but instead originate from XXXX XXXX XXXX. ARE YOU SERIOUS? IT CAME FROM U.S. BANK. IT 'S PRETTY OBVIOUS IT DID, B/C YOU GUYS ISSUED IT DIRECTLY. In addition to that, FTC Laws require U.S. Bank to produce documents of their investigation, notes, files, etc.. 30 days from XXXX XXXX2017 should already be received by XXXX XXXX,2017, where are those documents and records at? u.s. bank also states its not identity theft b/c I knew the suspect. INCORRECT, IT 'S IDENTITY THEFT B/C HE STOLE MY IDENTITY, AND OPENED AN ACCOUNT WITHOUT MY KNOWLEDGE USING MY IDENTITY, I IN ADDITION TO TAKING SCHOOL LOANS, BY STEALING MY IDENTITY TO DO IT, AND RECEIVING SCHOOL REFUNDS AS A DIRECT DEPOSITS INTO THE ID THIEF ACCT # XXXX. THEN HE CLOSED IT AFTER HE RECEIVED THE MONEY. I REPORTED ALL THIS TO THE POLICE DEPARTMENT AND IS IN THE POLICE REPORT ALREADY. YOU GUYS HAVE ALL THE DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have asked XXXX to remove 3 recorded late payments from my credit report. The payments were not late. XXXX had an issue with processing payments that were sent to them while I was in another country. I was told a few years ago by one rep that they would update the information and they didn't. I then reached out to the bureaus again and they keep saying that XXXX will not remove this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I called transunion to tell them I had inquires that weren't mine. I asked can I dispute them. Transunion insist the I go and file a police report and they can help me with a police report.
Product: Debt collection

To Whom It May Concern, As for an opening statement, I could not find a pertinent box to my Student Loan Discharge! So I selected the closest one, though I have not filed bankrupsy! 
I am writing you with a reference I found on line posted by XXXX XXXX XXXX XXXX about Mohela their contractor 's miosconduct! Which all of the above applies to me! 
XXXX XXXX and XXXX I have a student loan settlement through XXXX XXXX XXXX as well! XXXX XXXX I have contacted XXXX XXXX  XXXX in regards and they said to call Mohela directly! 
After numerous attempts of calling Mohela, I am yet to reach an analyst passed the recorded message asking for a check! 
My Loan was fraudulent initially through XXXX XXXX and they have had their share of lawsuits in regards! I was one taking action on XXXX  as well! XXXX XXXX XXXX. was my representing attorney which the case ended up being taking the thief to its chief like story! Meaning I don't know what happened to it after a couple of court hearings. thereof! 
Back to the post the XXXX loans initiated for around {$3000.00} each and the rest is what Mohela has added on as well! 
Furthermore, this loan was XXXX by XXXX XXXX XXXX due to my being retired and living off of a {$620.00} XXXX monthly and some XXXX! I am facing multiple health problems such as XXXX XXXX, XXXX and now XXXX XXXX related XXXX XXXX! Mohela the worst of all!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, EQUIFAX, XXXX they also have records of files that are wrong.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 SELF / LEAD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 USC 1681 Section 602 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 1666B A creditor may treat my payment on a credit card account under an open consumer credit as late for any purpose.
Product: Credit card

I am writing regarding my credit card dispute with Chase, case number XXXX. I stayed at the XXXX XXXX XXXX from XX/XX/XXXX - XXXX, yet I was charged three times by the Merchant instead of once. Two of the charges were just made on my card virtually, using my card number without my permission. 

Please see the attached hotel booking confirmation and invoice confirming the total amount I was supposed to be charged to be {$1000.00} for the stay from XX/XX/XXXX to XX/XX/XXXX. I did not agree for the merchant to charge me on additional two more occasions. 

During the dispute process, which was initiated I believe in late XXXX or early XXXX, the merchant did not provide any form of documentation that I authorized extra charges. Yet, Chase claimed the merchant won the dispute. Later, I provided Chase with the booking confirmation and the invoice from hotel as requested, which together prove that the two additional charges were unjustified. 

Hence, the merchant had no authorization to charge me again using my credit card numbers virtually on XX/XX/year> and XX/XX/year> in the amount of {$1200.00} and {$170.00} since it had already charged me once on XX/XX/year> physically with my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX Tax Lien appears on my credit report however, the court document for the tax lien, provided by the Clerk of Superior Court for XXXX County, GA, contains both inaccurate and incomplete information. Per the National Consumer Assistance Plan ( NCAP ), all state tax liens must include the following information in order to be reported by the credit bureaus : ( 1 ) Full Name ; ( 2 ) Address ; and ( 3 ) Full Social Security Number and / or Date of Birth.
The XXXX XXXX court document associated with the lien reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last 4-digits of a social security number, as opposed to the full social security number ; and ( 3 ) no date of birth is noted. A copy of the aforementioned document has been included in this CFPB filing, for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bank of America debt with Spirit that a family member has XXXX + I am only an authorized user. I have let them know the family member is XXXX, and written a cease and desist letter and they continue to harras me and come to my apartments to try and issue a court order for the family member It is beyond harassment- they have come to my knowledge from others 5+ times. 
I mailed letter over 2 weeks ago and reported to XXXX and they replied, and yet I found out they came again today. 

They should be legally held responsible to stop harassing people, especially when it is not my debt, and in general, and this debt is over 4 years old so should be written off regardless. 

I. have the cease and desist letter and may share with media and describe their treatment.
Product: Mortgage

I lost my house by Foreclosure for XXXX. I was married with XXXX XXXX and we got divorce. He didn't want to make the payments and he was the one who have SS. 
I have to leave the house with a child to rent an apartment since that happened I struggle every single day until today. The Address of the house XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX My account in Wells Fargo XXXX Alsi I used to pay a Loan of my car with the same bank. Wells Fargo. 
My phone XXXX Email XXXX Please help me.
Product: Mortgage

My loan was due to mature in XX/XX/XXXX. My loan has been sold to several servicers over the last ( almost ) XXXX years. I was told that when my loan matured, I would owe an outstanding principal of {$6700.00} by XX/XX/XXXX. Rushmore had recently acquired my loan, so they were not able to tell me why I owed this amount. 

I have requested my closing paperwork. Not even a real estate broker can explain to me why I owe this amount. 

I have submitted applications for assistance since XXXX of last year. I was approved for a trial modification in XX/XX/XXXX. I made my first payment on the trial modification in XX/XX/XXXX, before it was due. A few days later, I received another application for assistance. 

I have also received a piece of mail stating that some of my interest was not applied properly when my servicer switched from XXXX XXXX to Rushmore. This is concerning. 

I can not get an answer as to why I owe this amount to Rushmore. I have been working with a HUD certified housing counselor since XX/XX/XXXX.
Product: Mortgage

I been with Gregory Funding for more than a year now I am XXXX living with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and much much more Pain Daily! I was told the home insurance will be removed from mortgage so it was I asked Gregory Funding will they refinance me they said I had to find someone else so I set out since XX/XX/XXXX it's now XX/XX/XXXX XXXX XXXX have Approved me I received a telephone call saying Gregory Funding said you are 30 days late every month, since I been with Gregory Funding they have and all the Creditors know Social Security sends payment Every XXXX Wednesday of Each month only. So I am O. AUTOPAY my Bank even knows I am on AUTOPAY, for i I might be in hospital at times and payment only every XXXX Wednesday of the month the Agent put a payment in too early which caused payment to go off track but I was paying extra money to catch up XXXX XXXX need a letter stating that I don't be 30 days late with payment to continue with the refinance, however Gregory Funding don't seems to want to work with them the entire loan will be paid It's not fair to loose this Loan in 3 days that was so very hard fatigue frustrating painful every day