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

I contacted XXXX Credit Card fraud department, Transunion and XXXX and informed them That the account for {$1100.00} was Fraud because I never owned a credit card til XXXX of 2019 and they said that they'll look into it. Transunion deleted the Account on XX/XX/2019, However XXXX  never Deleted it, they said that the account was verified. I asked them how'd they verify a fraudulent account? They told me to contact XXXX. Transunion later re-inserted the account on XX/XX/2019 without my knowledge. I didn't get a later from neither the credit bureaus nor the Credit Card Company. I spoke with XXXX and they wanted me to send them my signature and I refused. I then asked them to send me what they have on me such as a signature matching mine and the account that the bill was paid with and they sent me a bill with an address on it that I've never lived at with my name only. I sent them the police report on XX/XX/2019, to attach to my investigation that they never did, and I asked Transunion why'd they re-insert the account and they said that the creditor said that it belonged to me. I also asked XXXX  why they never Delete it and they told me that it was because the Creditor said it was mine. I have my undeniable proof that it's not my account and all they have is their word that says it is mine. 

I also contacted XXXX  about XXXX XXXX XXXX XXXX they've been reporting inaccurate information and re-aging the accounts and every time I point that out to XXXX they just have XXXX XXXX XXXX fix the Errors that I point out to them after I asked them to delete it for inaccurate information. This dispute was entered also in XXXX alone with the Fraudulent account prestige financial which there's a police report attached to that as well
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX -XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit card or prepaid card

A late payment is reported on my credit report on XXXX, 2018. The account has always been on autopay and when I asked the company for an explanation, they told me they can not go back to see anything information older than six months. When I ask them to update and correct the late payment they have reported to the credit bureaus they have refused.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Checking Account in branch with Union Bank. At the time of account opening, I took advantage of a {$300.00} " refer a friend '' promotion incentive. This promotion required three $ XXXX direct deposits or 10 debit card transactions totaling at least {$1000.00}. During the month of XXXX, I received three direct deposits of at least {$500.00}. Unfortunately, I received a letter in early XXXX ( dated XX/XX/XXXX ) that Union Bank would be closing my account XX/XX/XXXX. I've reached out repeatedly to Union Bank ( customer service, local branch manager, and the customer advocacy department ) in hopes of getting this issue resolved ; however, none of these individuals have been able to resolve this issue. As of today, Union Bank has still yet to pay my " refer a friend '' incentive and has not adjusted their decision to close my account on XX/XX/XXXX. This entire experience feels like such a bait and switch. I completed the bonus terms and then Union Bank decides to close my account vs. paying out to account incentive as promised at the time of opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a bill from XXXX but I have not used XXXX in at least 15 years, I have not even been on their site yet I received a bill for {$49.00} with no explanation. Obviously a scam. There are hundreds of complaints regarding Convergent/XXXX on " XXXX '' and other consumer sites where XXXX is using the same identical scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation.
Product: Vehicle loan or lease

I obtained a loan from USBank at XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX XXXX, and branch manager XXXX XXXX XXXX for a used auto back in XX/XX/2022, and I have been making my payments on time every month. I purchased the car from my Father. I received letters from USBank saying they were going to repossess the car because they still did not have the title. As of this date, we have not received registration or tags for the car I purchased. After waiting a while, I reached out to both XXXX XXXX and XXXX XXXX and they told me they lost the original title from XXXX. They asked me to order a new one and XXXX it to them. They lost that one. Then we got a hold of the VP XXXX XXXX because we were going on 6-8 months without registration or tags. She had XXXX XXXX call us and ask us to order another title from XXXX. I had to pay each time I had to do this. All this time they were taking money from my account for a vehicle that was still not registered to me. Then we got the title and hand delivered it to XXXX XXXX who said he was going to hand walk it into the DMV and get it taken care of. As of today 's date the car is still not registered to me and I do not have tags, I don't know what else to do. This bank has never sent in my title, nor given me a registration or tags. And now, the branch is closing down. I tried to go to the DMV directly to get a copy of registration and new tags, but they can't release them to me. I can't even drive my car because I am afraid I will be arrested for driving an unregistered vehicle. This has been going on for over a year. And I have been making my payments this entire time. I need help.
Product: Credit reporting or other personal consumer reports

My credit report score Experian has dropped from XXXX down to the low XXXX with no explanation why. I have no debit at all. XXXX of this year it just dropped drastically. No new debit no bad. No reason for it. There is something fraudulent going on with my identity and I feel I am being used by XXXX XXXX and Experian. You can't have good credit and not go into debit have no bad debt bam your credit score dropped. The things is I noticed was when I had good credit I went to apply for stuff I wasn't get accepted at all. Extremely odd. The next thing was my credit was drastically dropping. I apply for a couple credit cards with a score of XXXX didn't get approved. That isn't right. I like to know my steps to get my scores replaced to where they were. I will sue
Product: Credit card or prepaid card

IN XXXX OF XXXX .I CONTACTED XXXX ABOUT MY CHARGE ACCOUNT .I TOLD THEM MY HUSBAND LOST HIS JOB IN XXXX.BUT I STILL CONTINUED TO PAY THIS CREDIT CARD IN GOOD FAITH .TO REPAY DEBT.I MADE.I TOLD THEM MY HARDSHIP CAME DOWN TO PAYING TO KEEP THE ROOF OVER MY FAMILIES HEAD. I ASKED THEM IF THEY COULD LOWER MY PAYMENTS.I TRIED TO MAKE A {$100.00} PAYMENT THEY REFUSED THE PAYMENT.I CONTINUED TO TELL THEM I COULD NO LONGER AFFORD TO PAY ALMOST {$200.00} A MONTH WHICH I PAID THAT AMOUNT EVERY MONTH FOR ALMOST 2 YEARS.I MADE THE PAYMENT XXXX TURNED AROUND AND GAVE ME A NEGATIVE REPORT THE SAME DAY WITH THE CREDIT BUREAU .I MADE THE PAYMENT.THERE REPORT AFFECTED MY CREDIT SCORE.LYING AND SAYING NO PAYMENT WAS EVER RECEIVED WHEN THEY TOOK THE MONEY OUT OF MY ACCOUNT.IN XXXX I TALKED TO 3 DIFFERENT PEOPLE TRYING TO NEGOTIATE THIS ACCOUNT .MY BALANCE DOESNT LOOK CORRECT FROM ALL THE PAYMENTS MADE. I EVEN HAD PROMOTIONS STARTING FROM XXXX FROM XXXX AND XXXX THAT WERE NEVER HONORED.I NEVER REFUSED TO PAY MY DEBT. XXXX REFUSED TO LOOK AT MY ACCOUNT AND REFUSED TO ACCEPT A LOWER PAYMENT FOR ME.AT THE END OF XXXX THEY SENT A STATEMENT ABOUT A PAYMENT FOR {$57.00} AND THEN SAYING THEY WOULD OFFER ME PAYMENT ARRANGMENTS WHICH IS A LIE .AND THEY THREATENED TO TURN ME INTO A COLLECTION AGENCY..IF THERE PHONE CONVERSATIONS ARE RECORDED.IT WILL BE NOTED ALL THE TIMES I CALLED TO NEGOTIATE MY ACCOUNT.THEN A FEW DAYS AGO XXXX XXXX I RECEIVED A NOTICE FROM XXXX ABOUT A CREDIT TO MY ACCOUNT FOR {$36.00} FOR A DEBT PROTECTION PROGRAM.THAT XXXX REFUSED TO GIVE ME BECAUSE OF ALL THE INTEREST THEY WERE MAKING OFF OF MY ACCOUNT.AND THE XXXX STATEMENT SAYS I 'M 4 MONTHS BEHIND HOW IS THAT WHEN I MADE A PAYMENT IN XXXX AND MY PAYMENT DUE DATE ISNT UNTIL THE XXXX OF EACH MONTH.
Product: Debt collection

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. Navy Federal Credit Union Allegedly {$2500.00} high balance. Allegedly Balance owed {$1300.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Product: Mortgage

I have a mortgage with Freedom Mortgage. Currently, Im in mortgage forbearance until XXXX of XXXX Without my knowledge or consent, they have made changes to my original loan. They have increased my original loan amount from {$340000.00} to {$350000.00}. This action has negatively impacted my credit score. I was told, I would have three options to repay the outstanding balance. One option was full repayment at the end of 12 months. Second option was to make additional payments for 12 months. And the third option was to repay the outstanding balance when I refinanced and or sold the home. I choose the third option. Every month, they are sending late notices, even though Im in mortgage forbearance. I would like my credit score corrected and to reflect my original loan amount.
Product: Checking or savings account

I opened a savings account at BMO and I transferred {$25000.00} from my XXXX XXXX to this BMO savings account I had just open. Then I changed the address on their website and after that, my account was blocked.

BMO customer service asked me to send documents to their bmo verification email. I did. Then they said the addresses don't match and told me the only way to solve this was for me to go to a branch. I live a 6 hours flight way from their branch. I was even told by one of the customer service staff that it was my fault for opening an account at a bank without a branch in my city. I have no access to my money anymore. I was told that the other way would be to wait 60 days after they close my account, after they investigate, and then send me a check, but they couldn't tell me what address the check would be going to.

I called them 10 times, nobody at BMO was able to help fix my address and give me access to my account, they say I have to go to a branch. Flying there is not gon na work, even if I could fly there, they said in the letter the account would be closed on XX/XX/XXXX, that's two days from today.

I don't know if and when I will see my money again. It's been almost 2 weeks so far
Product: Student loan

My loans including capitalized interest was {$23000.00}. I have made {$3400.00} in payments XXXX, however my balance including interest is {$21000.00}. Even after I calculated the interest rates of my loans and how much interest there would be there 's still several XXXX dollars I ca n't account for. This made me look at the federal website to see what information they had on my loans. The federal website says that I have {$8.00} in outstanding interest, but Great Lakes says I have {$30.00}. Because of these inconsistencies I asked my borrower Great Lakes to notify me how much outstanding interest each loan had at the time my grace period ended, then in XX/XX/XXXX and in XX/XX/XXXX so I can verify that 1 ) the correct amount of interest was there based on my interest rates and 2 ) as much money as they said went toward the loans did. They have not provided that information. I think they are putting incorrect values for outstanding interest that no one can confirm which allows them to collect more money and makes it more difficult to pay down principal balances on loans which would be an illegal practice.
Product: Mortgage

My mortgage is currently serviced by Bayview ( BV ). XXXX XXXX, which is the single point of contact assigned to our account. My loan is backed by XXXX   XXXX ( XXXX ) and is currently delinquent. On many occasions, I have sought loss mitigation efforts with BV and contacted XXXX XXXX regarding the same. BV, has refused to process my loan modification and issue unclear underwriting determinations. Per E-3.4-01, Suspending Foreclosure Proceedings for Workout Negotiations ( XX/XX/2016 ), When a delinquent mortgage loan is referred to a law firm, the servicer must continue to work with the borrower to bring the mortgage loan current or finalize a workout arrangement up to the date of the foreclosure sale, unless the servicer has determined that all workout options are not feasible, to make a reasonable effort to modify the loan. Since the loan is insured by the XXXX, this regulation applies, as well as the liability reporting valid information to HUD / FA. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733,  since they knowingly withheld information and reported false records to a Federal Government Agency. 

BV, has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5. Per the IN statute, clear notification must be sent to the home owner, giving the option for standard foreclosure mediation. BV, has set a foreclosure sale date for XXXX, during the period where mediation and loss mitigation should be occurring. 

BV, is in clear violation of False Claims Act, RESPA law and IN Code 32-10.5. BV, has imposed a foreclosure sale date on XXXX. Overall, I feel deceived by BV, on a number of counts and I am seeking your assistance on this matter. 

While trying to acquire information on these workout programs BV, agent XXXX XXXX violated the FDCPA, failing to properly verify 3rd party or state the mini Miranda prior to disclosing personal account information on his call on XXXX. The mini-Miranda is merely one element of the substantial, complex regulatory requirements set forth by the FDCPA. For collection agencies, ensuring the appropriate use of the mini-Miranda and other communications is a critical component of regulatory compliance, and for consumers, its a valuable protection against unfair and deceptive debt collection practices. The FDCPA requires that a collector make meaningful disclosure of their identity when calling a debtor ( 15 USC 1692d ( 6 ) ) and that whenever communicating with a debtor, must disclose that the call is coming from a debt collector ( 15 USC 1692e ( 11 ) ). Therefore, on its face, this appears to be a violation of these two sections of the FDCPA. After all, they called, they spoke to the debtor, and they failed to identify who they are or that they were a debt collector. A collector can not pick and choose which sections of the FDCPA are better to violate. They can not violate any section. 

You can reach me via email at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : ( 1 ) Experian Credit Freeze Lift Denial PIN # XXXX ( 2 ) Primary Phone # XXXX XXXX No Answer, No Representative ( 3 ) Failure to lift freeze timely. Caused rejection for important loan. 


Hello, I've been trying to Permanently Lift my credit freeze for over 2 week period. Without success. Both other agencies have online ability and it actually works. Experian on the other hand. Phone access is useless. Online access give following denial ever application. 

Response : We were unable to honor your request to permanently remove your security freeze at this time. Please try your request by mail. 

Experian Security Freeze Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Social Security number : Date of birth:XX/XX/XXXX
Product: Credit card

On XX/XX/year>, I booked a XXXX XXXX XXXX XXXX XXXX  for a friend and I for Saturday XX/XX/year> with a CapitalOne credit card. After discussing the cruise with my friend, we realized she had a conflict. On XXXX XXXX website, it stated to call them regarding changes to the reservation. Within 24 hours or less of the booking, I called XXXX to switch the date of the cruise by one day ( from XXXX to XXXX ). They stated it was their policy, the reservation could not be changed. My call was more than a month in advance of the cruise, their website stated to call them to change the reservation and cruise the next day was not full. There was no reason my request could not be granted. 

I called CapitalOne a few days before the cruise and they advised me it may be best to attend the cruise because XXXX was contesting my claim. When I showed up to the cruise with another friend on XXXX, the cruise operator told me my tickets had been refunded. I was looked down upon by the cruise ship staff as if I was trying to cheat them out of the tickets. XXXX then sent me texts and emails asking me to review the cruise. When I called CapitalOne about the refund, there was nothing in the file about a refund. Therefore, this is now become a case of Services Not Rendered because the services were not delivered as agreed. 

CapitalOne has denied my dispute and refuses to continue my case against XXXX XXXX.
Product: Credit card or prepaid card

Nordstrom Colorado Service Center XXXX XXXX XXXX XXXX, CO XXXX Card XXXX XXXX ( account now closed ) At some point over past year, I was switched without my consent to online statements only ( ending paper delivery ). Because my Nordstrom account was attached to a personal email account I rarely check ( because it is continually cluttered with spam from third-party entities who have been sold my data ), I ended up being past due on a statement because I received no letter in the post.

I called customer service on XX/XX/XXXX, paid the bill ( {$460.00} ) and the operator refunded the late fees. I then switched back to paper statements online. However, the same incident has occurred again somehow I was switched back to paperless without my consent, I missed another bill, and was late again.

Today I paid my bill on the phone ( {$120.00} ), and closed my account with Nordstrom ( XX/XX/XXXX ).

It is good Nordstrom refunded the fees associated with this problem, but I imagine this has done some damage to my credit score.

I am not sure whether the issue is that 1 ) there is some technical glitch that is not registering my change 2 ) there is a protocol in place for cardholders to be automatically switched without being asked for permission. 3 ) It is also possible Nordstrom does this intentionally to collect additional fees and have the opportunity to increase interest rates.
Product: Vehicle loan or lease

I am a couple weeks late on my car payment and they have called me 5 times a day every day since XX/XX/XXXX. I told them when I would make a payment and asked that they stop calling me and they are still calling numerous times every day. They have called XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and twice at XXXX XXXX XXXX XXXX two times when I asked them not to call and today they have called me twice.

I have told them numerous times that I will make the payment on XX/XX/XXXX, but they will not stop calling even after I told them when I am making the payment and asked them to stop calling, especially while I am at work
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience where Equifax has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Equifax alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of the disputed outcome.These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing.Iam requesting immediate corrective action to remove or amend the disputed accounts as Equifax inaction violates federal law and my rights as a consumer