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

I have my mortgage with Citizens Bank and have always made on-time payments. However, the last 2 months, they have incorrectly reported to the 3 credit bureaus that my mortgage balance has gone UP ( it has not ). I have tried disputing with Citizens multiple times and they are not helping me, they keep reporting incorrect information that has hurt my scores. On XX/XX/2022, they reported that my mortgage balance went up by {$940.00} ( to {$170000.00} ) when it actually should have gone down to {$170000.00}. This decreased my credit score by XXXX point. I called the bank to dispute this information and disputed with the 3 credit bureaus. It was briefly corrected until XXXX. On XX/XX/2022, they again incorrectly reported my mortgage balance as going up to {$170000.00}, when it was actually at {$170000.00}. I called Monday XX/XX/XXXX and Citizens refused to open another dispute, saying my original dispute was declined. This time, my credit score dropped again by XXXX points due to these reporting errors. They are refusing to help me or correct the issue. I keep disputing, and they keep reporting the wrong information.
Product: Debt collection

The account for a XXXX  account appeared on my credit report stating it was opened up 3 months ago this information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for thes violations.
Product: Credit reporting or other personal consumer reports

I pulled my credit report hoping to purchase an house, but I noticed a lot of unauthorized accounts that was open but are now closed due to delinquency of none payments. I noticed these accounts around then end of XXXX. Seeing these accounts makes me remember I did receive a couple of phone calls in regards to a few of these accounts but I told the creditors it wasnt me, asked for documentation in regards to these accounts, I never heard anything back or from the creditors I assumed the issue was solved but clearly not. Its several accounts XXXX XXXX XXXX XXXX XXXX, LVNV LLC, XXXX, XXXX XXXX XXXX XXXX Ive tried reaching out to creditors explaining these accounts were open fraudulent. Theyve also put multiple hard i inquiries on my account starting back from 2022
Product: Credit reporting or other personal consumer reports

on my credit report I have a deck collector that states that I have XXXX debt for a year or so, which is incorrect cause I already resolved that account with XXXX  XXXX. 

And number two the second problem is, I had an auto loan account that was closing and resolved, and I handled that already, and the case was resolved. Now XXXX has stated on my credit report that both of those two accounts are open and then Im still missing payments, which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan For XXXX is more than 7 years old shouldn't be on my report anymore.
Product: Mortgage

Purchase mobile home XXXX refinanced ground in with new loan through Greentree servicing LLC. It changed hands in XXXX to consaco finance servicing both Greentree and Consaco was contacted by XXXX asking to have my name removed from loan as co-bower. In XXXX is when we divorced. However it has never been taken out of my name from XXXX. I know Ditech is who owns mortgage in XXXX when XXXX passed away. Call asking about ins that was on loan from day one if something happened to either of us the loan would be paid off? I was told it was refinanced to keep out of foreclosure in XXXX and I've also gotten document that's be notorized by someone in XXXX XXXX expires XXXX submitted by XXXX XXXX XXXX from XXXX and XXXX XXXX XXXX firm in XXXX KY saying the pay off date of XX/XX/XXXX had been omitted from the mortgage executed XX/XX/XXXX? Says mailed to both XXXX and co-bower at XXXX XXXX XXXX XXXX Ky on XX/XX/XXXX. It was also signed off on at courthouse in XXXX and filed. I never received anything I didn't live there since XXXX and though I'd been removed from loan. I've asked how did loan get refinanced without my signature in XXXX Ditech refussd to give me info and told me regardless I would pay the debt. Also asked why was payoff date omitted from loan in XXXX was told by Ditech and Shellpoint that now holds mortgage they have no reganition of that but I was going to pay loan. I've also called XXXX XXXX XXXX twice with no return call back. No matter how I try and get info no one tells me anything and no one will send documents they do have so I can put it together. I've hand written request also emailed request. I've sent request to land title company also no response either. Not only did they threaten back in XXXX about foreclosure and again in XXXX but without my knowledge it looks like they got the mortgage forbearance or refinanced loan in some way. I've also called XXXX office here in XXXX Ky and was told by them that the said property is in XXXX 's name only no second person. How does that happened if ground was tied in with mobile home in XXXX at time of purchase? If it was done correct it would show it in both names like loan does? I've not been aware of any of this for yrs it wasn't till the death of XXXX that I became aware of debt and all the issues from these companies that are all tied together leading back to Greentree servicing LLC. I've also asked and sent required things to have my name changed on loan since they says it's mine nothing been done also death certificate was sent to Ditech to remove XXXX leaving in co-bower nothing 's been done.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are inaccurate in terms of reporting, amounts, and dates.
Product: Checking or savings account

On XX/XX/XXXX I received an advertisement via email that new Chase customers could get {$300.00} for opening a new Chase Total Checking account with the set up direct deposit, and an additional {$200.00} for new Chase savings customers who open a Chase Savings account, and deposit a total of {$15000.00} or more in new money within 20 business days, and maintain a {$15000.00} balance for 90 days. I careful read all of the disclosures and was sure to follow all steps correctly to be eligible for both offers to receive the combined {$500.00} offer. I opened my accounts online on Chase 's website on XX/XX/XXXX. To date ( XX/XX/XXXX ) I still have not received either offer, despite numerous attempts to work with Chase employees to resolve this. ( On XX/XX/XXXX I deposited {$20000.00} into the savings account, well within the 20 business days of account opening. ) When I contacted Chase at the  end of XXXX to discuss my concern. I called the customer service line and spoke with a supervisor. He informed me there was nothing he could do without the coupon code. I explained I do not have the coupon code ( at the time ) and the call ended. I later found the coupon code and called back. During this call a lady informed me that regardless of having the coupon code there was nothing that could be done to investigate/resolve this. She then told me the reason I did not receive the bonus offers for opening either account is because I did not enter the coupon code at the time I opened the account online. That was the only reason I did not receive the bonus amounts. 

During the online account opening process Chase 's website stated " If you open the account online, your coupon code will be automatically applied ''. Furthermore, the email I received ( will be attached for reference ) specifically states, " Your coupon code will be automatically applied. Account ( s ) subject to approval. '' As a result, two sources confirmed that the coupon code would be automatically applied, therefore I don't recall entering the coupon, because it was being added automatically for me. 

I am very frustrated with my Chase experience and the lack of payment of these bonus offers I rightfully earned. After phone customer service supervisors told me there was nothing they could do I contacted local branch management. They advised me to contact the phone customer service and said they could not help me. I am very upset about this entire experience. I want to be compensated {$500.00} to cover the {$200.00} and {$300.00} offers I should have earned. I followed all of the terms and disclosures correctly. Please investigate this matter and contact me back. Thank you
Product: Credit reporting or other personal consumer reports

In my consumer report Account Number XXXX XXXX XXXX of Account Name XXXX XXXX XXXX is reporting inaccurate information. Account was previously disputed during multiple periods which are in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all disputes returned as resolved by data furnisher. The inaccurate information reported is Date Opened which reports a date of XX/XX/XXXX. I have electronic records from Direct Loans Statement disclosure XXXX XXXX XXXX Federal Direct Loan Program indicating that this date is not correct and that the correct date is XX/XX/XXXX. Also to add to this complaint this account is reporting multiple late payments which are unlawful under 15 USC 1681a ( d ), 15 USC 1681a ( 2 ) ( i ). This inaccurate information was obtained from Equifax. Equifax as well as XXXX XXXX XXXX has failed to validate information during multiple investigations. For their willful negligence I seek relief from the CFPB.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an office chair from XXXX XXXX for {$64.00} Within 2 months the back rest ( plastic ) cracked and chair not usable to lean back on Merchant says only wheels guaranteed, this chair is defective as it should not crack from normal usage in such short period I have photos of broken chair but unfortunately I misplaced charge receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 
2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a XXXX form. They would not let allow me to settle the account. They said the account is past the statute of limitations. 
Monday XX/XX/2019 The operator said that they do not know if a XXXX will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit karma you are reporting account resolution service on my credit report by XXXX enclosed is there letter stating it is not reported REMOVE THIS ACCOUNT AT ONCE YOU ARE # IN VIOLATION OF FCRA enclosed copy of report 5 days from the time you receive this dispute to remove it.
Product: Payday loan, title loan, or personal loan

I contacted Lending Point on XXXX XXXX, XXXX XXXX and XXXX XXXX requesting them to comply with Louisiana law that limits creditor interest rates for XXXX XXXX service members in Louisiana ( LA RS 29:312 ). I provided the portion of the law ( the piece of paper ) that shows the law and requested to have an interest rate reduction and Lending Point denied to comply with Louisiana law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a COLLECTION DEBT on my credit report from a company called " HUNTER WARFIELD INC '' I do not know what this is. I have never had any account with them or any kind of binding contract with this company. They keep reporting the collection onto to my credit report and the debt amount keeps getting higher. I have researched the company to see what it was and I have no knowledge of this company. The reports they are making to my credit report is hurting my credit!! They are continuously reporting to my credit. This company needs to provide proof of any contract or anything account I had opened with them. I have tried to dispute this collection company off of my report with XXXX and it will not go away. They are attempting to collect a debt from me that I have no knowledge of.
Product: Mortgage

i fell behind on my mortgage due to a loss of income. i then contacted wells fargo to try and see what i can do to save my home. i have applied numerous times before to try and get a modification to possibly lower my monthly payment and interest rate and be brought current. NO ONE WILL HELP! i keep getting denied and this last time on XX/XX/XXXX they denied me bacause i did not have my income taxes done that i was not eligable and now i have a sale dat on my home on XX/XX/XXXX! I DO NOT MAKE SUFFICIENT INCOME TO FILE TAXES! please help me save my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate information on my credit report, which I previously reported to Experian on XX/XX/XXXX. However, I have not received any response from them to date. I kindly request your assistance in addressing this matter. 
Below, I have outlined the details of the inaccurate information on my credit report, along with the required corrections : Inaccurate Account Information Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Request : Please correct this inaccurate information on my credit report as this account was never late. 


Inaccurate Account Information Company Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Request : Please correct this inaccurate information on my credit report as this account was never late. 


Inaccurate Account Information Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} Request : The reported balance of {$7300.00} is higher than the amount I remember. Additionally, as this account is closed, the past due amount should not be provided. I intend to address this misleading data with the creditor directly. In the meantime, please mark this account as disputed while I work towards finding a resolution. 


Inaccurate Account Information Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$42000.00} Request : The reported balance of {$42000.00} is higher than the amount I recall. Furthermore, as this account is closed and charged-off, the past due section should be removed. I plan to discuss this matter with the creditor to clarify the reported data. Please mark this account as disputed until the appropriate corrections are made.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of the inaccurate and harmful account information associated with XXXX ( Account Number : XXXX ) that continues to appear on my credit report. Despite previous attempts to resolve this matter, you have failed to correct these inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

I have two credit cards with Capital One. I called them to update my autopay to a new XXXX  checking account. They changed the Quicksilver but not the XXXX so I received notification that my bill hadnt been paid. 

They make it impossible for me to access my account. I live in XXXX, I have a XXXX phone number so I can not login or view my account because of MFA. I explained this to them and they wouldnt help. You can only access your account through their app. They do not support a website. I have no idea what charges I am paying or fees. I can not view any of it. I tried to change the phone number on my account to a friends so I could go online and pay my bill. They refused to change it because they said my passport wasnt good enough, I needed a state ID or Drivers license. I tried to explain to them that I live in XXXX and a passport is much more powerful as you need more proof to prove you are the person obtaining a passport, but they didnt care. 

It should be illegal to only allow access by app. No other company only allows access by app. Everyone has websites. What do people without smartphones do?
Product: Credit card

New notice of change in interested rate to XXXX XXXX for all charges, purchases, balance transfers, cash advances... 
also increase in returned payment fee to {$41.00} note that I dont recall ever making late payment on the card, opened in XXXX is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

As background, I authorized a fraud alert on Equifax, XXXX and XXXX on XX/XX/2019. On XX/XX/2019, I received notice that I had a hard inquiry against my Equifax report from XXXX XXXX, initiated on XX/XX/2019. I did not authorize this credit application. 

Upon contacting XXXX card service on XX/XX/2019 via phone, the department 1 ) did not demonstrate any evidence that they took measures to verify the identify of the individual trying to obtain credit under my name ; and 2 ) refused to resolve the matter. This is particularly frustrating, as I contacted the company immediately, prior to any issuance of a credit line. With XXXX ' lack of action, the fraudster could act on a credit line in my name before I can resolve the issue. 

I contacted Equifax on XX/XX/2019, who took additional measures to verify my identity, and then began its internal dispute process, which is ongoing. 

This complaint is against XXXX, who ignored an existing fraud alert when it served the purpose of issuing credit and selling a product, but refused to aid a consumer when an identify conflict arose. This is unacceptable behavior in any context. Given that I am currently in the process of purchasing a home, and so can not freeze my credit to keep me safe, this is even more impactful.
Product: Credit reporting or other personal consumer reports

I have identified accounts on my consumer report that have been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. INQUIRIES : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, please see attachments for Identification ( ID and copy of credit card billing statement ), police report case number, and Identity Theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with YAMAHA MOTOR FINANCE CORP has been charged off yet they continue to report both the charge off and late payment every month. I'm being penalized XXXX for the same account. I checked my on line account with Yamaha and they have a monthly payment due each month, yet there has been no agreement after the charge off. I've contacted XXXX and XXXX. XXXX advised I call Yamaha directly on XX/XX/23. On XX/XX/23 I called Yamaha in which they transferred me from several departments to redirect me back to the credit bureaus. 

I'm trying to get clarification on the how the information is being reported but no one is able to answer.
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 a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc 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

Subject : Dispute of Inaccuracies in Credit Report for XXXX XXXX  Account ( # XXXX ) Dear CFPB Representatives, I am writing to formally file a complaint regarding inaccuracies in my credit report for the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Upon reviewing my credit report, I noticed multiple inaccuracies related to late payments reported for this account. These inaccuracies not only fail to reflect my payment history accurately but have also negatively impacted my credit score. Details of the Complaint 1. The late payments reported on this account do not match my personal records and appear to be inconsistent. 2. I have previously attempted to resolve this matter directly witXXXX XXXX XXXX, but no corrections have been made to date. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my credit report is accurate and verifiable. If XXXXXXXX XXXX is unable to provide clear, documented evidence to validate the reported late payments, I am requesting that this account be entirely removed from my credit report. Requested Actions 1. I respectfully ask the CFPB to investigate this matter promptly. 2. I request that XXXX XXXX be required to verify and correct any inaccurate information. 3. If they can not provide sufficient documentation supporting the late payments, I demand the complete removal of this account from my credit report. I have attached the following documents to support my complaint : Copies of my credit reports with the disputed account highlighted. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived at XXXX XXXX at XXXX  XXXX from XXXX. I was originally on a XXXX year lease and once my lease was up I was paying month to month and no longer under contract. I put in a XXXX day notice with the company advising them that I was in the process of buying a home  and would be moving out at the end of XX/XX/2018. I closed on my home XX/XX/2018 and moved out of the apartment a couple days letter. I am not sure why the apartments are saying I owe them as my notice was put in properly. The apartments have also been sold to a new company since I moved away which should have cancelled out any prior obligations. My problem is that I never received any communication or notices from XXXX XXXX regarding this alleged debt. They allowed IQ data International, a debt collector to take over this and report this information to the credit bureaus unlawfully. The collection company is also charging and reporting interest and fees on my credit report when I have no contract or obligation with them at all. I am asking that this debt be removed from all credit bureaus immediately.