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

Called XXXX XXXX XXXX to close my account on XXXX/XXXX/XXXX. I was told this was completed. Credit bureaus were notified of the account closure. Today I received a statement in the mail that I had an open account which they purchased from XXXX XXXX XXXX with a brand new account number. I never opened a new account with Elan Financial Services and my old account with XXXX XXXX XXXX was closed before the accounts were transferred. Opening new accounts for customer 's without authorization is unacceptable and I would like this account to be corrected to reflect the accurate information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open fraudulently under my name. I have tried to call this company several times to report this is fraudulent account and hangs up constantly. Finally got somebody on the line and they won't help me.
Product: Mortgage

I have been working with a client beginning back in XX/XX/XXXX. He was finally approved a trial loan mod in XX/XX/XXXX. The first pymnt wld be due on XX/XX/XXXX - XX/XX/XXXX. His new payment wld be {$500.00} down frm {$650.00} originally. XXXX XXXX is XXXX and only has XXXX XXXX for income. The same month he was given the trial mod ; he got hit with a child support garnishment from XXXX and they garnished {$360.00} from his XXXX of {$970.00} leaving him with only {$610.00} to live on. There was no way he could make the {$500.00} payment at this point ; so he turned down the offer. XXXX XXXX appealed to XXXX and they reduced the garnishment down to {$75.00} a month. By the time this appeal was completed and the garnishment was taken care of it was too late to appeal and ask them to go ahead with the original loan mod. So they made us reapply and subsequently they turned him down stating he did not have sufficient income to make the original trial payment that was offered to him. There was only a {$75.00} difference in the income once the child support issue was taken care of from the original income submitted for the loan mod request. They denied him XXXX additional times, stating he did n't have enough income to qualify then said the final time nothing had changed since the prior denial so they would not look at him for a second change Hamp Tier II ... This situation was totally out of his control and he was blind-sided by the child support. If thy could approve him once for {$500.00} why can they not offer it to him again. The {$75.00} difference would not have kept him making this payment.
Product: Credit card

on Monday XX/XX/2024 I received a text message regarding my XXXX  credit card issued by bank of america that my credit limit was reduced by {$2500.00}. The initial limit on the card that was approved was {$7500.00} and it was just reduced to {$5300.00}. although I do understand that credit card companies have the discretion to increase or decrease credit limits, I did not understand this decision by bank of america. I do carry a large credit card balance on my credit cards but my payment history is perfect ; Since the last year I have been making $ 500 monthly payments to Bank of America and at times even more ; I have always made over the miniimum payments. So I used the credit card and paid back again and again ; over the last year I have paid over {$6000.00}. I had made a {$500.00} payment XX/XX/2024 and when I saw the annual fee I paid an additional {$100.00}. on Monday the credit limit was reduced making my recent payment in effect " disappear '' because the credit limit was reduced! I called and I explained my comlaint and I was told that I could be issued a refund for the payment above the minimum payment required. So I said yes, please issue the refund in the amount of {$440.00} ; the minimum payment was {$150.00} and I had paid {$600.00} total. Since XX/XX/2024 the date the refund request was made, I have been lied everytime I call to inquire about the status of the refund! I was told it was expedited, but it was not true ; I have a case XXXX XXXX. This case number was given to me by supervisor ; I was lied to though because I was told today that Bank of America does not exepdite refunds ; I called XX/XX/2024 and I was told by a representative that I was going to receive the refund todayXX/XX/2024 and the refund w/b deposited to my Bank of America checking account ; that was a lie! I called XX/XX/2024 and I was told that there was no expedited request. Every time I call I receive another lie! I do not even know whether a refund request was even made! All lies!
Product: Credit card

On XXXX XXXX A company called Discover Financial Service decided they would check my credit of which I never applied for any kind of service from them. Someone applied for a credit card in my name, I don't know if the card was issued or not. The credit check was on my XXXX credit report I did not apply for any credit from anyone. 
I have a block and a freeze on all 3 credit reports but someone was able to get into my credit report and check it without my consent. What is the since of having a block and a freeze on your credit if these companies can still get into your credit reports. I did not ask this company to check my credit for any reason. On my reports it states that they are to call me first before they do any credit checking on me. I have my phone number listed for anyone to call me before they check my credit. They checked my credit without my permission. They checked it on XXXX XXXX. How they got into my credit I have no idea, I don't even know it a card was issued.
Product: Credit card or prepaid card

The card company wont remove 30 day late despite fraudualent card
Product: Debt collection

I sent a certified mail letter to XXXX  Credit Bureau on XX/XX/XXXX to validate the account that was opened on XX/XX/XXXX with the amount of {$160.00} they are reporting on my credit report. XXXX  responded saying they would contact the creditor about the item I disputed and have results back in required time if not they will update and delete information. They have failed to send any validate information or delete from my credit report but they are still updating the status of the account
Product: Mortgage

I am trying to refi my home with a VA loan from Loan Depot. They are telling me that I am not the Title holder based on their search. I have checked with XXXX County and they confirmed that I am official Title holder. Loan Depot 's representative, XXXX XXXX told me they will not allow me to to contact the Title search company that is in error What can I do?
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX  are not following the rules of the FCRA by providing me with verification of this debt, nor did Equifax, XXXX  or XXXX  correct the information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit reports. To this day it has been 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my rights and disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 45-60 days due to covid gives a reason to immediately remove these items from my credit report it has been well over the required grace period so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the " EQUIFAX '' data breach and may have got into the hands of the wrong person my reports show social security numbers I have no knowledge of.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXXXXXX and XXXXXXXX XXXX Laws Dear ELAN FIN SVC, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws specific to XXXX XXXX XXXX 

It has come to my attention that ELAN FIN SVC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. These local laws are designed to protect consumers from fraudulent activities and unauthorized credit reporting. 

I assert unequivocally that I have not provided consent for ELAN FIN SVC to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a disregard for federal and local laws.

I demand, with the utmost certainty, that ELAN FIN SVC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant XXXX XXXX identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ELAN FIN SVC will promptly rectify these egregious violations, respecting my rights under federal and local laws. 

Done in good faith. 

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

XXXX XXXX XXXX XXXX XXXX stole my SSN and plastered it all over their mobile application due to a pending legal matter. My information was compromised and need all bad and derogatory remarks and accounts removed my account, immediately. 

XXXX XXXX Balance Last updated XX/XX/XXXX {$10000.00} Account Details Account Type Last Account Activity Open Since Ownership Current Balance Monthly Payment Original Creditor DEROGATORY Collection Account XX/XX/XXXX XX/XX/XXXX Individual {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone XXXX XXXX Remarks Placed for collection XXXX XXXX XXXX Last updated XX/XX/XXXX Balance {$7300.00} XXXX Last updated XX/XX/XXXX Balance {$4600.00} XXXX XXXX- XXXX Last updated XX/XX/XXXX Balance {$940.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance $ XXXX Monthly Payment Original Creditor XXXX XXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address Phone Number XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Remarks Placed for collection XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$910.00} XXXX Last updated XX/XX/XXXX Balance {$570.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX  Monthly Payment Original CreditoXXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number XXXX XXXX for XXXX XXXX XXXX XXXX XXXX {$550.00} Last updated XX/XX/XXXX XXXX XXXX XXXX updated XX/XX/XXXX XXXX Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number Remarks Placed for collection XXXX XXXX XXXX Balance {$550.00} Last updated XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On credit reports of all three agencies. Disputed once for incorrect information. Tried to dispute again with a different reason : account too old to be on credit report. XXXX XXXX XXXX  XXXX. Opened XX/XX/XXXX. Last reported and closed XX/XX/XXXX.
Product: Debt collection

So this was a debt that was caused by XXXX  ( XXXX ) for not being truthful about the contract that I was in. I paid the {$290.00} dollars for the collection and they agreed to delete it for full payment and it has not been removed in 3 years. I just want it removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I did an online deposit of 4 checks into my checking account at Chase bank. The next day on XX/XX/XXXX my account got closed and Chase refused to tell me why the account was closed and how, but they did say that I would be receiving the funds that I deposited in the mail in a cashiers check in 7-10 business days. I waited until 11 business days and then I called back to check the status of those checks and they told me to wait another 7-10 business days so I did, and I still did not receive anything. I called again and they said that I could deposit the old checks into my new bank  account. I tried that on XX/XX/XXXX, and the check bounced on XX/XX/XXXX, and I had to pay a {$10.00} fee because of the bounced checks. After this I called again and Chase told me that this was a fault on their end and they had the cashiers checks there waiting to be mailed out. The lady I spoke with guaranteed that I would be receiving  the checks by XX/XX/XXXX the latest. I waited until then and I still have not received my money. I called back again, and Chase stated that they sent my checks back to the maker on XX/XX/XXXX, so I called my job, and they told me to get a note or some type of verification from Chase stating that my money was sent back, and Chase refused to send me a verification of my money being sent back. Chase bank has refused to give me my hard earned money, and they even refused to confirm that the checks were truly sent back to their makers. I have tried everything, and I have been more than patient. I have financial obligations that my money is designated towards, and if I do not receive my money back from Chase I will get a lawyer and take this to the media.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. Please check payment history, date open, last activity and Status of the accounts XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; and XXXX XXXX  XXXX Balance Owed : {$0.00} as I believe these accounts are reporting in error.
Product: Mortgage

Ditech was sent XXXX letters and has failed to contact me in regarding helping me out with loss mitigation efforts concerning a home
Product: Credit card or prepaid card

I ordered a used auto part from XXXX XXXX on the XXXX of XXXX this year. The part I needed was a radio amplifier for my car radio. XXXX took my order and charged my credit card {$150.00}. 
When the part came, it was the incorrect part. They sent a radio rather than a amplifier for the radio. They are distinct parts. ( see pictures ). I called XXXX and they apologized and said they would mail the correct part ASAP. I again received the incorrect part from XXXX. Again, I called them and told them of their mistake. They responded by promising to send me the correct part ASAP. For the 3rd time XXXX sent the incorrect part. This all occurred in XX/XX/2021. I used my Chase credit card to pay for the parts. For the first two mistakes I received a credit for the entire amount. I also received XXXX return labels for the 2 incorrect parts. I repackaged those two items and returned them to XXXX. 
The third time I received the incorrect part I was told by the XXXX representative that they could not find the part I needed and that I must get the part elsewhere. 
XXXX  claims that they sent me a return label for the third mistaken part, but I never received any communication from them regarding the return of the mistaken part. 
I still have the part and have told them if they send me a return label, I will return it. They refuse. 
I also, filed a dispute with my Chase credit card which was denied. The reason given was " the vendor told them that the sale was made. I filed a second dispute ( an appeal ) and was turned down a second time. 
Currently I believe I am owed {$140.00}.
Product: Credit card

Capital One is letting retailers read my secure financial information without any active permission on my part. If I have a card saved as a payment method at XXXX, and make a purchase in store at XXXX XXXX with that card, the purchase is logged on my online account. I never used my account information to make the purchase in store, the only link is my debit card. The XXXX has direct access to my private financial information that they should not have, and can only get if Capital One is directly sharing it with them. If Capital One is giving them this information, they could be giving even more personal information like income, credit score, SSN, all without my knowledge or permission.
Product: Checking or savings account

Banco Popular XXXX XXXX XXXX ( " XXXX '' ) has levied hidden and excessive fees against me. These junk fees are associated with consumers bank, credit union, prepaid or credit card account, mortgage, loan or payment transfers. 

Fees I thought were covered by its baseline price ; unexpected fees ; fees that seemed too high ; and fees where it was unclear why they were charged. These junk fees act as penalties against me. 

In a letter dated on or about XX/XX/XXXX XXXX XXXX, XXXX XXXX & XXXX, Act 20, wrote the bank will charge an excessive of {$150.00} or junk fee as Monthly Administrative Fee and will be reflected iny banking statement beginning XX/XX/XXXX.
Product: Debt collection

Capital one starts calling at XXXX when I'm in the middle of my morning routine for my XXXX child and calls repeatedly even if I have talked to them the day before and have given them all the information they ask for. 
They also will call and just hang up repeatedly. 
I have asked them to stop and have been told the phone calls will continue unless I pay the debt. 
I do not have possession of the vehicle the coborrower does and I have no ability to pay the debt and no way to contact the coborrower. 
I have explained this multiple times to Capital one but they continue to harass me with phone calls asking for the same exact information daily at XXXX in the morning. 
This is starting to feel malicious. 
Please help me. 
This particularly overwhelming due to the recent death of my father on XXXX XXXX. 
Please help me
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

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

Accounts : XXXX  : Account XXXXXXXX XXXX XXXX XXXXXXXX : Account # XXXX
Product: Checking or savings account

On XXXX XXXX I authorized a {$1400.00} XXXX payment from my Capital One checking account XXXX to XXXX XXXX XXXX. The funds were removed from my account and deposited in the account of XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a call from XXXX XXXX XXXX asking why they had received a check from Capital One for {$1400.00}. 

I spent more than XXXX hours on the phone with various people at Capital One NONE of them could explain how or why this had happened. On XX/XX/2023 the funds were apparently taken out of XXXX XXXX XXXX account but were NOT returned to my account. 

XXXX XXXX wants to deposit the check but I do not want them to unless and until the funds are returned.