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

I was shopping on the XXXX web site. When I went to check out there was a supposed offer from Chase Bank Credit Card. If I applied for the card I would receive a {$60.00} credit to my purchase and a {$70.00} gift card. I did not receive the {$60.00} credit. I called XXXX about the offer. The XXXX representative researched the issue and told me that it was an offer from Chase Bank. The XXXX representative gave me a local number for Chase Bank since XXXX had no participation in this offer. 
I called the local number and requested assistance. To address this problem I could go to the bank or call a phone number. I didn't want to waste my gas so I called XXXX. Each of the XXXX times I called the number, I followed the directions given to me by the local representative. Each time after waiting for up to XXXX minutes the phone number would hang up on me. While doing this I received a text message saying that someone has checked my credit. 
With the phone number not getting me to a person I found the closest Bank to me. I went to the Bank and complained to a banker. They called the credit card division and was told that I CAN NOT cancel the application that had been started a few hours earlier. 
After talking with the representative from XXXX, the Chase Bank offer was removed and replaced with an offer from XXXX. 
I am thoroughly disgusted with this Bank, it's operation, and the false offer. 
Please perform whatever sanctions on this Bank that are available. 
Thank you, XXXX XXXX
Product: Debt collection

I am being billed by XXXX recurrently for a line of service and phone that I did not sign up for or own. I was also told by a bank that my address submitted to them, via a credit card application, did not match the address within the credit bureaus. I am concerned about identity theft and fraud. Thank you.
Product: Vehicle loan or lease

I had a loan with XXXX XXXX, I never thought the car was paid off, I never signed a loan with credit acceptance, I thought it was a 3rd party deal, they have no paperwork of the deal, no title, but keep saying I signed some forms which I didnt, I cant get an apartment, Im homeless, I been in and out of prison and trying my best to get my life in order. Credit bureaus take the word of the company without proof, its business to keep the poor, poor.
Product: Consumer Loan

Executive Summary : Leased Vehicle - Property tax charged through date vehicle was sold at auction, not through lease termination date Background : Near the end of our vehicle lease, we received multiple offers from the manufacturer for early lease termination. The literature generally described that all early termination fees would be waived. We turned in our vehicle one month early ( XX/XX/2016 ) - our lease was up XX/XX/2016. After the vehicle was sold at auction in XX/XX/2016, we received a final settlement letter and a refund. 

Issue : In XX/XX/2016, we received a notice for {$870.00} for property tax related to the vehicle. Our lease agreement ( section 15 ) does indicate that we will pay property tax assessed for any period PRIOR to lease termination. I called Chase to verify the date the taxes were prorated. The agent indicated it is their policy to prorate the taxes through the date the auto is sold at auction. In this case, there is nearly a two month difference between the date our lease terminated and the date the vehicle was sold at auction. As a lessee, we had no control over the date the vehicle was sold, which theoretically, could have been many months after lease termination. I asked to speak to a supervisor who said she would research the issue and get back to me. She did leave a return message, but there was no way to contact her specifically to follow up, as she did not leave a specific extension or last name. Despite four calls to Chase referencing my case number, I have not received resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern regarding the repeated violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) by, XXXX XXXX, and XXXX Credit Bureaus. These violations have caused significant harm and distress, and I am seeking compensation in accordance with the provisions outlined in the FCRA. Here is a copy of the letter sent to the Bureaus. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Product: Mortgage

Bank of America foreclosed on me wrongly! I was under a loan modification at the time of foreclosure and i had done and submitted all my paper work the bank had asked me too! They are claiming i did not and foreclosed!
Product: Credit reporting or other personal consumer reports

The account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  account : XXXX is reporting on my XXXXand Transunion credit report ( see attached ) its not showing on XXXX so before it does I request it be blocked as well. I am DEMANDING you follow the law and delete, removed, and Block this accounts. Due to these reasons : 1. They are using deceptive tactics to try to collect by lying and saying they are the original creditor but yet is the collection agency which they are not ( see attached ). Furthermore I see its a medical company originally which is a violation of my hippaa rights as I did not give permission to share information.

They are also in clear violation of consumer law 15 U.S.C 1681
Product: Credit reporting or other personal consumer reports

They have one collections account on my report that been deleted off my other reports from dispute XXXX XXXX  should not be on there and any closed accounts, Im also booted out and cant get back in to even reset my password
Product: Mortgage

The mortgage company applied each payment for the year 2023 to the month prior. XXXX apliedto XXXX, XXXX applied to XXXX, and so on. The company refuses to adjust heir records after 3 months of correspondence and after I sent in a breakdown of each month payment was made with dates.
Product: Money transfer, virtual currency, or money service

Was selling something on XXXX XXXX and they messaged me wanting to buy it. Once they confirmed they wanted it they said they would use XXXX. They said to check my email for the payment and once I checked it I received an email that stated they needed to send an additional {$300.00} to upgrade my account to a business account in order for the {$80.00} to be released to me. I then spoke with them and they said they received the same email and would send the {$300.00}. I got another email confirming they sent the {$300.00} but in order for me to receive the money they needed me to send the {$300.00} FIRST and send a screenshot of proof then they would release the full {$380.00}. I sent the {$300.00} and the proof and then realized that I got scammed. The person removed themselves from the conversation once I called them out for scamming me.
Product: Debt collection

ACCOUNT RESOLUTION SERVICES ACCOUNT NUMBERs : XXXX and XXXX XX/XX/2016 XXXX, XXXX, FL XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ACCOUNT RESOLUTION SERVICES or any company associate with this account # XXXX and XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ACCOUNT RESOLUTION SERVICES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I purchase a dog from XXXX in XX/XX/XXXX. I was told to purchase the animal I needed a XXXX Credit Card through Comenity Bank. I was also told by the store employee I qualified for a 2 % interest rate on the credit card. I made the decision to purchase the animal with the credit card I was told was 2 % interest. I signed documents and was sent home with my animal and copies of my documents. 

In XX/XX/XXXX and XX/XX/XXXX I called XXXX because I had never received a statement or my credit card in the mail and was having to make payments over the phone. They ended up not having my correct address because they forgot to add my apt . #. In total they sent me 3 credit cards in the mail and had to cancel 2 of them and I finally received one of them along with a statement in XX/XX/XXXX. Upon receiving my credit card I opened my online account and upon receiving my statement I made a payment. When I looked at my statement I noticed I had been charged 29.9 % interest on my account. 

Beginning XX/XX/XXXX I started trying to rectify the issue with the incorrect interest rate they were charging me and I am currently still unable to reach a resolution with Comenity or XXXX as of XX/XX/XXXX. 

In XXXX of XXXX I spoke with XXXX, a supervisor from XXXX XXXX  who told me that I had " signed paperwork in the store agreeing to 29.9 % interest. '' I informed her I was told it was 2 % and also that I never signed any forms about interest rate in the store. I pulled out the folder they had given me with copies of all my paperwork I signed and the very last page, which was the credit account sales receipt that i should have signed was completely blank. I had never signed this paperwork in the store because they had never shown it to me. In XXXX of XXXX I was told they had " a copy signed by me. '' I asked for an email copy of this and the copy they sent me does in fact have a signature but it is not my signature. The signature is not only mine, but looks nothing like any of the other signatures i signed on the rest of the documents. 

All throughout XX/XX/2020-XX/XX/2020 I have talked to upwards of 15 different people, supervisors, fraud departments, the actual store, managers, and customer care. Each person has given me different excuses, answers, or steps to take. No one is willing to take blame as XXXX says its Comenity Banks fault and Comenity says its XXXX fault. 

In XX/XX/XXXX XXXX told me that i need to " prove the signature isn't mine and it is going to be hard to do that. '' The proof I have is that the copy I have is blank meaning I never signed it and the copy they have is a forged incorrect signature. They claim this isn't " good enough '' and that they will just say they " forgot to give me the right paperwork. '' I have asked for the interest to be removed that I have accrued since last XXXX and no one is wiling to do this. I have since closed my account but I am looking for resolution with the interest rate as it has been almost a year and I have accrued just as much interest as I have in the amount i have paid towards the card.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and I am XXXX yr old. I have XXXX accounts on my credit report that are not mine. My father took out loans and credit under my ssn while I was at college. My dad is no longer in my life unfortunately but I have been hit with these debts that are not mine. My Mom did the best she could to pay these but with my dad gone we are under heavy debt as a family. The creditors agree that I never signed anything and I shouldn't be liable but it's still showing on XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agency drop these and stop reporting under my ssn as they are not mine XXXX XXXXXXXX XXXX XXXX XXXX balance XXXX XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute the incorrect information about XXXX XXXX XXXX credit card. The credit file reports this account as closed when it is OPEN and active. I have submitted a dozen disputes, and every time it tells me it has been updated but it still says closed. It is NOT closed it IS OPEN. I have reported this to the credit bureaus as well as to XXXX  XXXX itself. This account does not reflect on my credit score because the total is not included with my balance. So when I pay the balance down, none of my credit shows it has opened up. This item is OPEN and should be reflected as OPEN.
Product: Debt collection

I see on my credit report that there is a collection account for something I have never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX  XXXX $ XXXX Opened : XX/XX/XXXX
Product: Credit card

To Whom It May Concern : I am writing to file a complaint against Barclays Bank Delaware regarding their repeated and unjustified reductions of my credit line, which have harmed my credit score. I have been a responsible and long-term holder of the XXXX XXXX XXXX , and I have diligently managed my account. Despite this, Barclays has taken actions that I believe are both unfair and detrimental to my financial well-being. 

On multiple occasions, including most recently on XX/XX/year>, Barclays has reduced my credit line without providing sufficient justification. According to their letter, the reduction was based on the following factors : -Proportion of Balances to Credit Limits Too High on Revolving Accounts -Excessive Amount Owed on Revolving Accounts -Consumer Reporting Agency Information In their correspondence, Barclays referenced a credit score of XXXX, which they obtained from XXXX. However, the actions taken by Barclays have contributed to the very issues they cite, creating a vicious cycle where reduced credit lines increase my credit utilization ratio, further harming my credit score. 

Each reduction in my credit line by Barclays has caused an increase in my credit utilization ratio, which is a key factor in calculating credit scores. This has resulted in a drop in my credit score, despite my efforts to manage my accounts responsibly. The reasons cited by Barclays, such as " too many accounts with balances '' and " length of time revolving accounts have been established, '' do not adequately justify their actions, especially considering the long history and responsible use of my account. 

I request that Barclays restore my credit line to its previous level and cease any further reductions unless there is a clear and substantial reason to do so. Additionally, I ask that Barclays provide a detailed explanation of their decision-making process and consider the negative impact that these actions have on consumers credit scores. 

I also request that Barclays review their policies and procedures to ensure that other consumers are not similarly affected by arbitrary and unjustified credit line reductions. 

I appreciate your attention to this matter and hope for a prompt resolution. I am happy to provide any additional information or documentation as needed. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is essential for consumer reporting agencies to fulfill their significant responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I am entitled to ensure that my private information is protected, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to respect the privacy of their customers and safeguard the security and confidentiality of their nonpublic personal information. 

Equifax, XXXX and XXXX are consumer reporting agencies, and the OAG CHILD SUPPORT is a financial institution as defined under this title. According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have not given my consentverbal, non-verbal, written, implied, or otherwiseto Equifax, XXXX, XXXX or the OAG CHILD SUPPORT, and I am hereby revoking any and all previous consents. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution may not disclose nonpublic personal information to an unaffiliated third party unless the consumer has been informed of their right to opt out of such disclosure. The OAG CHILD SUPPORT has never informed me of my right to exercise this nondisclosure option. 

Additionally, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse information in a report if it is more than seven years old, except in the case of criminal convictions. The account in question is an adverse item being reported without my permission, which is unlawful. Furthermore, 15 USC 1681s2 ( A ) ( 1 ) ( A ) prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Finally, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. Equifax and XXXX are failing to maintain such procedures. Additionally, 12 CFR 1016.7 states that a consumer may opt out of reporting services at any time. I am hereby exercising my right to opt out of your reporting services.
Product: Checking or savings account

I was trying to get a loan and they claimed I had to by gift cards with money they deposited to raise my credit score. Now the bank is making ME repay almost XXXX dollars they deposited into my account to buy cards from target. Now Wells Fargo has frozen my bank account.
Product: Checking or savings account

I am deeply dissatisfied with my experience at Truist Bank. Despite having an account with them, I never received a card to access my account, and they charged me fees which were later waived. 

On XX/XX/2023, at XXXXXXXX XXXX, I visited the branch to deposit a check in the amount of {$340.00} to my account. The bank teller deposited the check without informing me that there would be a 10-business day hold on the funds, preventing me from accessing any of my money. 

To exacerbate matters, the branch manager has been unresponsive and provided me with misleading information. The bank 's policy, which was supposed to be explained by the teller and highlighted on the receipt, was not adequately communicated. 

Moreover, Truist Bank is currently unwilling to release any portion of the funds or allow me to stop payment or return the check. This has placed me in a difficult financial situation, and their lack of cooperation and unavailability since the incident is deeply concerning. 

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

I reviewed a current copy of my credit report and show inaccuarte or incompleted information listed to my report. I have been working hard to have my report show complete and accurate information and it has not be easy. I have sent numberous letters to the credit bureaus with no assistance to get account verified or removed and I have be unsuccessful. Finally, I sent an FTC report and item have been removed which corrected my report to show factual information. As of today, I see there has been a reinsertation on my credit report from credit XXXX XXXX and I never received a reinseration letter per the Law of FCRA reinsertation act. Please delete account listed below due to direct violation of FCRA. 

XXXX XXXX Account Number XXXX Balance {$4500.00} XXXX XXXX Account Number XXXX Balance {$0.00} XXXX XXXX Account Number XXXX Balance {$3400.00} XXXX XXXX Account Number XXXX Balance {$16000.00}
Product: Mortgage

XXXX XXXX. XXXX Servicer : Mr. Cooper aka XXXX Mortgage. 

During Covid-19 I received a forbearance of my home loan under the Cares Act due to financial hardship. It lasted 18 months and ended XX/XX/XXXX. Afterwards, I was approved for a Payment Deferral Plan. ( See attached ). 

Mr. Cooper was authorized to withdraw the funds in 2 lump sums from my bank account in XX/XX/XXXX to bring my account current. In accordance with the Forbearance and the Deferral Plan, my account was to remain in good standing with the credit bureaus. 

However, Mr. Cooper failed to withdraw both payments from my account and instead chose to withdraw only one. Sufficient funds were in the account. As a result of its negligence, my account was not brought up to date as per the agreement. 

I received notice in XX/XX/XXXX that my payments had not been made and therefore my account was placed in default! And it was reported to the credit bureaus that I was 180 days delinquent on my account! This was false and was caused by Mr. Coopers own negligence and was no fault of my mine. 

Mr. Cooper has refused to acknowledge its error and instead blames me for the lack of payment. Since then, I have made all payments due on the account, they refuse to remove the negative reports from my credit report. 
They also continue to send me foreclosure notices, post them on my door, and then send letters to disregard. This has caused great harm, financially and emotionally including distress and anxiety. 

These actions are in violation of the Cares Act and the CFPA. XXXX is known to act unscrupulously when it comes to servicing mortgages. I would like this wrong to be righted.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.