23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged due to an app that my children downloaded onto my phone, the day it was downloaded I deleted the app & went to my subscription tab to make sure they didnt sign up for anything. I noticed a free trial and I cancelled it right away, deleted the app then thought nothing of it until XX/XX/XXXX when I was charged {$96.00}!! I tried cancelling through XXXX right away ( the transaction was still pending on my card ) but they couldnt do anything. So I reinstalled the app to try and see if there was a settings menu and it had NO account information nor anyway for me to get in touch with someone for a refund. I instantly tried calling Way2Go customer service ( which is the company I am reporting about ) ; and I was on hold for over an hour. I then tried contacting XXXX support and they told me I had to go through my actual card company. I then tried calling the customer service number AGAIN and was on the phone for another XXXX minutes. It is now XX/XX/XXXX and I have tried contacting Way2Go XXXX times a day, every day, sense this charge was made. Each time I am instructed to put my card number in & it would tell me we have an important message regarding your account please wait well we direct you to a representative ; & then its just me being put on hold for XXXX ( minimum ) up to AN HOUR AND A HALF, for FOUR DAYS STRAIGHT. Without ever getting an option to speak to anyone. It just redirects me then Im on hold forever. Also, the charge didnt actually post to my account until XX/XX/XXXX, it was still pending for XXXX hours. ( I called at least 4 times to both XXXX & Way2Go in the time it was still listed as pending )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX  # XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( Transunion, XXXX, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( Transunion, XXXX, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED
Product: Mortgage

I was unemployed and had a hard time to pay my home loan XX/XX/XXXX and XX/XX/XXXX. Based on this fact, I requested to refinance my home with OCWEN Home Loans ( loan # XXXX ), which was refused. Then they give me the option of a quick sale ( deed in lieu ), which I agreed ; however, after several months ( XXXX ), I had no answer from OCWEN, arguing that their legal department was analyzing the case. On XX/XX/XXXX I paid OCWEN a due amount of {$7200.00}. Immediately after, they charged me {$650.00} for fees/other charges, disclosed as follows : {$390.00} trustee fee, {$220.00} title report fee, {$19.00} statutory mailings, and {$13.00} of property inspection fee. I completely disagree with all these fees, caused by their lack of resolution to a deed in lieu procedure. I suspect they intentionally lack to agreed in the deed in lieu procedure, hoping that I fail to pay and they continue to a foreclosure. Please help. 
Respectfully, XXXX & XXXX XXXX. 
Ph. # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Student loan

All my Federal student loans were officially discharged last year, due to XXXX XXXX XXXX XXXX. My student loan servicer ACS/Conduent reported to the credit agencies, I filed for Chapter XXXX bankruptcy. I subscribe to credit monitoring, which alerted me to the changes in my credit. I immediately disputed the information, as I have never filed for any bankruptcy. A few weeks later, ACS confirmed with the credit agencies I had indeed filed for bankruptcy. 
I put in another dispute today, but the credit agencies say my ACS can just confirm the information is correct and start the cycle over. I have spoken with Conduent today, twice. The first woman wanted me to send in my credit report to them for them to do anything. The second woman gave me an email address to send in my information and complaint, while I wait 48 to 72 hours for a supervisor to contact me.

I wasted over three hours of my time today on the phone, trying to get this resolved.

In the mean time, my credit score continues to plummet, due to their error and this company is servicing Federal loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX reporting as deceased, XXXX account # XXXX reporting as deceased, XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 a Section2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )
Product: Debt collection

Due to medical problems I set up a Hardship Program for payment of a credit card with XXXX XXXX XXXX and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is FMS, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of XXXX XXXX for over XXXX years and have never had a problem until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

Years ago when my daughter was in college I took out a private student loan through my XXXX card. The account was first purchased by XXXX, then finally in the past few months purchased by Navient. My daughter who is gainfully employed advised me she did a Release of Responsibility. And sure enough the account was removed from my Credit report to the some of about {$7200.00}. Last month I received a letter to my house advising me my daughter was {$57.00} past due, so I called Navient informed then I am no longer on the account and it has been removed from my credit report but will make the payment for my daughter. 
They then proceeded to get rude and tell me I am not removed, when clearly it had ben off my Credit Report for months. This month XX/XX/2018 the Navient account was put back onto my credit report after the Release of Responsibility for the Cosigner me ( XXXX XXXX ), had been removed. My daughter XXXX XXXX contacted the company informing them they had made an error, no one could explain what had happened. NAVIENT then proceeded to inform my daughter she would once again need to submit the Release of Co-signer paperwork, along with school transcript, my paystub, and her employment info. We keep doing this and the company knows I should not be receiving mail, or have this info on my credit report, but once again I am in the same situation. The account should be off of my credit report effective immediately.
Product: Debt collection

I leased a vehicle through Hyundai Motor Finance between XXXX XXXX XXXX. Since lease-end, I have received multiple bills of " taxes '' that I owe. When I try to contact Hyundai to have a more thorough explanation of these charges, they can not provide any documentation defining where they have come from. They are unable to provide documentation of the bill they received from my appraisal district ( XXXX XXXX ), nor are they able to explain to me why I have an " unpaid balance '' totaling {$1000.00} on my account. The " bills '' I have received do not add up to that. In addition, when I try to view the statements posted to my account online, there are not any statements from HMF that add up to that amount either. 

The last time I spoke to a representative, they assured me that I would receive an email with all the tax bills that I owe. The only bill I received was for {$240.00} ( attached as file " XXXX XXXX '' ). I emailed the account who sent me that bill on XX/XX/XXXX requesting the rest of the bills and have not heard back. Their customer service department has been extremely unhelpful and difficult to communicate with. 

One year ago, I also submitted an abatement request via mail, per their very detailed instructions. I never heard back from them and assumed the issue had been resolved until I received another bill this XXXX. I've attached the XXXX  abatement request. In addition, I also submitted a complaint to the CFPB exactly one year ago for this same issue, which was deemed " resolved '' but they never removed the undocumented debts from my account. 

I do not feel like I am obligated to pay a bill that does not have any clear documentation as to where the charges are coming from. Furthermore, my vehicle was for personal use, not business, therefore in the state of Texas my vehicle should have been exempt in the first place. I would like Hyundai Motor America to remove these charges, do not send them to collections, and stop sending me bills in the mail that they can not explain.
Product: Credit reporting or other personal consumer reports

Hi how u doing my name is XXXX XXXX and im am wrting this complaint against the bureaus beacuse they claimed they investigated and the claims are accurate which is not true because the accounts are showing charge off each month as if the account is still actively being charged off each month its like the same account getting charged off repeatedly if the account was charged of back then then why are they still updating the account every month thats inaccurate and according to XXXX law that is illegal and its against my rights. I am not getting a fair credit opportunity beacuse of this inaccuracy i need this removed. They are neglecting my credit report and also neglecting there jobs : account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company was reported on my credit report on XX/XX/2022 for the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : Under 15USC1681 ( b ) - permissible purpose ( a ) IN GENERAL Subject to subsection ( C ) any reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX never gave CoreLogic/SafeRent any written consent to report anything on my consumer report, no consent is identity theft. This is a violation of the Fair Credit Reporting Acts right to privacy and permissible purpose. 

Please remove, block, and delete the following address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX DE XXXX, WI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Thorough Review of Credit File and Addressing Inconsistencies Dear Credit Bureaus, I am writing to request a thorough review of my credit file and address inconsistencies that I have identified in the information reported. I have previously requested verification of the information, and although you have confirmed its accuracy, upon further examination, I have discovered several discrepancies that need to be addressed. 

One major concern is the inconsistency in my addresses. I have noticed that there are multiple addresses listed on each of the credit reports, none of which are consistent with my actual residential history. I have only lived in XXXX different places throughout my entire life. Firstly, I resided at XXXX XXXX XXXX XXXX until I was around XXXX XXXX XXXX. Then, I lived at the XXXX XXXX from the age of XXXX until I was about XXXX. Currently, I reside at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, as I have recently moved. It is crucial that my credit file accurately reflects these addresses [ [ XXXX ] ] Furthermore, I have observed discrepancies in the reported dates and amounts associated with certain credit-related information. It is imperative that these inconsistencies are thoroughly reviewed and corrected as necessary. The dates and amounts should align with the accurate and verifiable data to ensure the integrity of my credit file [ [ 1 ] ] According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to maintain accurate and up-to-date consumer credit information. Section 605 ( b ) of the FCRA outlines the requirements for the disclosure of adverse information, including the dates, original payees, and amounts of any checks that form the basis of any adverse characterization of the consumer [ [ 1 ] ] Additionally, Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that consumers have the right to request a thorough investigation of their credit file and have any inaccuracies corrected [ [ 3 ] ] I kindly request that you conduct a comprehensive and meticulous review of my credit file, addressing the inconsistencies in addresses, dates, and amounts as mentioned above. Please ensure that all the information reported accurately reflects my true residential history and financial transactions. I also request that you provide a written response detailing the steps taken to investigate and rectify the identified discrepancies within the timeframe mandated by the FCRA [ [ 6 ] ] Thank you for your prompt attention to this matter. I look forward to a thorough review of my credit file and the subsequent correction of any inaccuracies found. 

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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Wrongfully posting credit accounts on my name.
Product: Checking or savings account

I am writing to express my frustration and seek your urgent assistance regarding a claim I have been submitted last week from a transaction on XX/XX/year>, for a disputed amount of {$500.00}. The company of dispute is XXXX XXXX. Despite my repeated attempts to resolve this matter, my claim has been consistently denied on the grounds that I authorized and benefited from the transaction. However, I must clarify that while I did authorize the transaction, I did not receive the promised services, and the company involved has demonstrated deceptive business practices. 

The company in question, based in XXXX, has failed to deliver any of the services I paid for. I have made multiple attempts to contact them, but they have since disappeared. I have emails and other evidence proving that the services were not rendered as guaranteed. 

Unfortunately, U.S. Bank has not given me adequate time or requested all necessary evidence to support my claim before denying it. This has left me in a difficult financial position, and I feel that the bank is not fulfilling its duty to protect its clients. 

I have also tried calling US Banks Fraud department multiple times, but the phone line keeps disconnecting, adding to my frustration. This is not the level of service I expect from a bank where I have maintained a good relationship and significant funds. 

I kindly request that you re-evaluate my claim with consideration of all the evidence I can provide. It is critical for me to resolve this matter promptly due to my current financial hardship. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

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Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Checking or savings account

Chime didn't give me any of my money I was owed to me {$15000.00} and fused to deposit it into my chime account and saying that it would not be deposited and never was a deposit that's what they said they stole {$15000.00} for me I want to sue them for my money
Product: Debt collection

I called and let them know I was having problems ask for payment arrangements that all I can afford is XXXX they agreed they called so I returned call and try to explain to them that I am on payment arrangement and that I was having problems and ask them not to call but and the lady hung up on me now they keep haressing me