23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding unauthorized credit inquiries that have appeared on my credit report without my knowledge or consent. These inquiries are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which restricts when and how companies can access my credit report. Below are the details of each unauthorized inquiry, including the company name, date of the inquiry, and actions taken so far. 

Company Name : CAPITAL ONE BANK USA Date of Inquiry : XX/XX/XXXX Description of the Unauthorized Inquiry : On XX/XX/XXXX, I discovered that Capital One Bank USA conducted a credit inquiry on my report without my authorization. Under FCRA, 15 U.S.C. 1681b ( a ), a company must have a permissible purpose to access my credit report. I did not apply for credit or give permission for this company to perform a credit check. This unauthorized inquiry has caused damage to my credit score and personal financial reputation.

I have contacted CAPITAL ONE BANK on 8/5/24 to request the removal of the unauthorized inquiry, but as of today, I have not received any resolution. The company 's actions ( or inaction ) are negatively affecting my creditworthiness and are in direct violation of federal laws governing credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I have made several attempts to have these accounts removed from my report to no resolve. A timely follow up on this mater would be great, as this is causing trauma to my mental health. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX.
Product: Checking or savings account

I am an XXXX XXXXXXXX  during the holiday season. I have used XXXX XXXX accounts for three and a half years and have never encountered any problems. Three months ago, XXXXXXXX XXXX closed my checking and savings accounts. I did not receive any prompts or fraud reminders from them. The reason given was that they suspected that I deposited a {$15000.00} check signed by my XXXXXXXX XXXX  into my savings account. When I carefully compared the information they provided, I found that it was not my signature, and I reported it to XXXX. After verifying the details, someone tried to deposit my XXXX check into my BOA account and then took advantage of the time difference and tried to take the BOA money. I submitted my other official signed notes in the hope that they could compare the handwriting, but they Still no reply to me. And it has been delayed for three months. Different people and different departments have been shirking responsibility, telling me that it is still under investigation and has not been closed. Some departments told me that they have closed it, causing me to be unable to repay my credit card.
Product: Debt collection

I worked part time for an insurance company called XXXX XXXX as an agent but left the company because I was not selling. I only sold XXXX policies and made a couple of hundred dollars during that time. I do n't remember if I was paid for the XXXX one before I left. 
When I communicated this to XXXX XXXX the manager of the office, and mentioned I could not cover my expenses and had to put more hours into my other job therefore not allowing me to continue to work there. He offered to pay me a small amount of money to help me cover my expenses while I started to sell more. We had an excellent business relationship. 
Just recently I got a letter from XXXX XXXX of Caine & Weiner, a debt collection company representing XXXX XXXX. I called and not only XXXX XXXX is arrogant and condescending but could not tell me exactly how I owe {$860.00}. 
He just listed concepts that might have originated that amount. 
I explained to him that first of all XXXX never contacted me to collect that or any other amount from me, why was I sent to a collections agency?. 
The reason of my complaint are : 1. Can a company send me to collections, causing additional fees for the debt collector, when they never contacted me at all before? I did not know I owed them money. 
2. Can Caine & Weiner collect money from me without giving me a break down of what I owe? 
I also contacted XXXX XXXX from XXXX XXXX, company I worked for, to ask for an explanation and he promised that I did not have to worry about anything but Caine & Weiner is still threatening me to sue me and ruin my credit. I left a message on my last phone call but he has n't called me back. 
Is it legal just to call someone trying to collect money without explaining why?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute notice to Equifax concerned about the violation of inaccurate information on my consumer report. 
15 USC 1681s-2,15 USC 1681a 2 ( A ) ( i ), ( A ) subject to section 1681s-3,15 USC 1681 ( d ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Chargeoff According to 15usc 1681s-2 -- - Prohibits furnishers of information to report anything that they know is inaccurate or have reason to believe is inaccurate how can I not dictate what gets reported. 
Account name XXXX XXXX XXXX  Account number XXXX Account Name XXXXXXXX XXXX XXXX Account number XXXX
Product: Debt collection

I have been paying on this collection for 4 years. I used to be allowed to pay online which also allowed me to watch the balance. They have pulled online access and failed to provide me access even after they have promised to restore that. Today they told me the account is so old they can't provide me with that information. I feel I should have access to see what is going on with the balance of this account. Especially since it was provided before. I have my suspicions the account isn't being managed and could be getting over charged and need your help. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oaks Ca XXXX XXXX Customer Care XXXX XXXX XXXX XXXX, TX XXXX I am writing this letter regarding the negative report I have received from the Monterey Collection agency. This agency works for the XXXX XXXX XXXX a timeshare located in XXXX XXXX. We purchased a newly built unit in XXXX XXXX XXXX. We were told the presentation only takes XXXX minutes and we have no obligation to buy. this most harassing presentation finally forced us to sign the papers that trap us in a commitment that we never really desired. They talk about immediate booking anytime we desire, helping us to rent our other timeshares that never happened, long process of booking our timeshare and sometimes we even couldn't do that. We paid {$5000.00}. It was early 2003 or so. When we bought the week every other year we thought when we went to XXXX that was the unit we would get. Every time we went we got a different older section and we were unhappy. We complained to XXXX XXXX XXXX but nothing changed. We had paid off the unit and got tired of paying fees every other year when they did not give us the unit we purchased. At a time when we could not afford to pay and financially we were practically broke. However, at a time when we could not afford to pay and financially we were practically broke. I decided to resolve this matter peacefully after our case has already been passed to Monterey Collection Agency and talked to one of their agents. In talking to this agent -Tessa- XXXX put my condition to resolve the issue to pay one time the disputed amount of {$1000.00} if they help me to relinquish the timeshare. We ask them to reach us from paying anymore and let us sign the owner transfer form. We kept trying to get that form but they refused to let us out even after we paid it off. This was unfair and unjust as were sold one thing and given another. This was a lease after 25 years it's gone with no ownership. I am strongly disputing this matter and I want the bureau fairly consider this report that unjustly affects my credit.
Product: Mortgage

I am filing this complaint against Essex Mortgage due to their failure in processing my mortgage payments and the subsequent miscommunication that has led to undue stress and potential damage to my credit. 

Background : After Essex Mortgage moved their headquarters and updated their website, my mortgage payments began to be flagged by my bank 's fraud filters. This was unexpected and unprecedented, as payments to Essex had always been processed without issue in the past. 

Detailed Incident Timeline : The last week in XXXX : My payment for XXXX was flagged by my banks fraud filters. Unaware of the issue, I attempted the payment multiple times. 

XX/XX/XXXX : Spoke with a manager at Essex Mortgage. I was informed for the first time that Essex was aware their changes could cause issues with some banks ' fraud filters. 

XX/XX/XXXX : The Essex manager promised to process the payment on this date, despite my request to handle it immediately. I was assured this delay was to ensure the updated information would clear the fraud filters. 

XX/XX/XXXX : Received communication from Essex Mortgage stating they would not process any of my payments. This was in direct contradiction to the assurance given earlier that the payment would be processed post-miscommunication resolution. 
Impact and Issues : The change in Essex Mortgage 's processes and the subsequent miscommunication have directly led to delays in payment processing, causing significant personal stress and the looming threat of a negative credit report impact. 

The inconsistency in communication and their failure to follow through on assurances have exacerbated the situation ; along with long wait times and not returning calls. 

Additionally, I am deeply concerned that Essex Mortgage 's recent actions might constitute a form of bullying or retaliation in response to my raising these issues. The sudden reversal of their initial agreement to process my payments, coupled with the lack of communication and their unreasonable demand for a letter from XXXX XXXX, give me reason to believe that I am being unfairly targeted. This perceived retaliation is not only distressing but also completely unacceptable in a professional setting. I urge the CFPB to consider this aspect of my complaint seriously and ensure that Essex Mortgage is held accountable for any such unethical practices.
Product: Student loan

In a nutshell I have had this loan for 25 years first through XXXX XXXX and now Navient ... the original Loan amount was around 17k. Throughout the years I have struggled with employment and had to use forebearance tools to help cope for the first 20 years with XXXX XXXX my principle was actually going down. Over the last few years with Navient my principal has risen XXXX just in interest and fees due to a reduced payment program they put me on. Problem is they failed to tell me that this reduced payment does n't even cover interest amount so my debt has ballooned. I do n't understand how this is legal. How can I ever pay off these 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. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT AUTHORIZED BY ME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am attaching police report and from AG
Product: Credit card or prepaid card

USAA reported to the credit agencies that I still owe a balance on an account which had a settlement agreement to settle in full for less than the original balance.. I disputed the debt with the credit agencies and they told me that USAA verfied to them that I still owed them money. This is inaccurate. USAA has had phone conversations with me stating that they are allowed to report a balance on the account since the settlement offer was less than the full amount. This is inaccurate. They are required to update my report with a  XXXX  balance. They are not allowed to tell the  XXXX  credit agencies that I do still owe a balance when I in fact, do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was put on as an authorized user for Synchrony Bank/Care Credit. I am not the owner of the account my significant other is. I did not give them my social security number. When I went online with XXXX XXXX I noticed that they informed me that my debt to income ratio was high. After looking into this I found out that Synchrony Bank is reporting this on MY credit bureaus. It has a note with it that I am the authorized user. But it is still affecting me. When I called them they said this is how they do it and refused to take it off. I filed a dispute with XXXX XXXX and they removed it. However I do not know how to file a complaint with XXXX or XXXX. I do not feel like I should have to do anything since XXXX is the problem. Remember I am not the owner of the account. And how did they get my Social Security number? I thought this was illegal if there is no application for credit. Please help me.
Product: Mortgage

Rushmore Servicing XXXX ) over- charged us interest onXXXX XXXX on Principal of {$140000.00} which was the same amount charged on XX/XX/XXXX on XXXX XXXX XXXX ) over-charged us again on XX/XX/XXXX with {$1000.00} on principal of {$140000.00} XXXX ) over-charged us again on XX/XX/XXXX with {$1000.00} on principal of {$140000.00} XXXX ) over-charged us again on XX/XX/XXXX with {$1400.00} on principal of {$140000.00} We received no answer from the Company representative why this over-charge when the principal has been paid down on the principal by us with $ XXXX every month. 

We had XXXX XXXX  pay off this HELOC on XX/XX/XXXX in the amount of {$140000.00} on a principal with Rushmore Servicing which at that dat was {$130000.00}. We could only reach XXXX XXXX  company as Rushmore Servicing answered phone calls stating that the Lohn had been paid off. 

We feel very strongly that Rushmore Servicing has overcharged us and are putting in this claim with your Agency to try to resolve the matter and get us the over-charges back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan taken online XX/XX/2017. Began making bi weekly payments. I requested a lower interest rate as the rate they were charging was 36 % roughly. They refused to work with me. I began working with XXXX XXXX XXXX who negotiated a lower payment. When I began making the agreed upon payment XXXX XXXX or XXXX  XXXX began reporting me late with a large past due balance. I was told by XXXX XXXX i had to pay an XXXX dollar past due amount in order to make the account current. I paid that amount ... it was all applied to interest and they still reported me 90 days late ... .I have now paid them in full so the account will be closed and they are still reporting a balance owed.
Product: Vehicle loan or lease

XXXX XXXX advertises as a highly rated auto loan lender. They do n't clearly indicate prior to asking any personal information that they are intermediaries and are selling your information to several lenders. At the end when prompted to enter the last 4 digits of ss #, they do n't give you a warning that proceeding will cause several companies to pull your credit. Instead of a 'submit ' button clearly identified as last step before your information is released to them, their button says 'View Free Rates ', once you click on that, the screen disappears and no rates are given or provided. 
Then i called their phone number and that is when I was explained that i had authorized several companies to pull my credit. 
This is deceifull and not at all what i wanted, and could cause my score to go down due to the inquiries. 
Very upsetting
Product: Debt collection

On XX/XX/XXXX, I received a debt collection agency letter requesting an alleged debt to be paid for or the debt would forward to the credit reporting bureaus on their behalf. I have stated through certified mail, which is the only communication route I have pertaining this alleged debt, that this debt does not belong to me and requested a debt validation which they have not yet provided a wet signature nor a correct breakdown for this alleged debt that I requested in my debt validation certified letter. I have contacted an Attorneys office and learned the statute of limitations in Texas regarding this account have expired. The last activity on this account is XX/XX/XXXX, which was the time it was posted to my credit. I have never made any payments to this alleged debt nor have I ever said that this alleged debt belonged to me. After the collection agency did not provide any verification to my requests per debt validation, I then sent a certified letter in regards to a cease and desist letter to the collection agency company and Lockhart, Morris and Montgomery has now violated the Fair Credit Reporting Act law. All debt collectors can NOT continue its collection efforts against you until the debt has been verified. Due to the collection being in the Texas Statute of Limitations expiration date and the violation of a cease and desist letter, I am now requesting an immediate deletion of this account on all credit bureaus and to cease all collection activity pertaining this debt. I kindly request that this debt to not be sold as well since it does not pertain to my credit file or I. I look forward to getting this resolved as soon as possible. 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to temporarily remove a credit freeze that I placed with Equifax after their security breach. I called and talked to XXXX ( ID : XXXX ). I was asked many specific personal questions, which I answered ( including my date of birth, address, social security number, etc. ). I was then asked a long list of extremely vague questions, such as 'have you closed any accounts in the last ten years, who were they with and what were their ending account balances? '. I gave them a huge amount of information during the call trying to answer the open and ambiguous questions. None of the questions relating to my credit history were specific - just requests for any information I could remember from the last 10 years. I was then told that they could not release my credit freeze. The only option given to me for unfreezing my credit was to send a copy of my social security card and drivers license through the physical mail, which makes me extremely uncomfortable and seems reckless.
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT AND FRAUD. 
INACCURATE INFORMATION DELETE CHARGE OFF. 15USC 1681e ( b ) ACCURACY OF REPORTING AGENCY WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY. 

XXXX HAS DELETED CHARGE OFF. CHARGE OFF IS XXXX XXXX XXXX XXXX IRS TAX FRAUD WHO HAS GAINED GROSS INCOME ATTEMPTING TO COLLECT A DEBT THEY DONT OWN. DELETE NONPUBLIC CHARGE OFF AND TAX FRAUD FROM CONSUMER REPORT. 

XXXX XXXX HAS FAILED TO VERIFY ALLEGED DEBT BY money audit trial through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions. in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). 

DELETE NONPUBLIC ADVERSE INFORMATION TRANSUNION DOES NOT HAVE AUTHORIZATION OR WRITTEN CONSENT. TRANSUNION IN VIOLATION OF 15 USC 1681 SECTION 604A SECTION 2 CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT INSTRUCTIONS.
Product: Mortgage

Recently I worked with Freedom Mortgage to partially release 2 dwelling units on my land. My original parcel tax account was segregated into 3 new tax account numbers. 

On XX/XX/XXXX I discovered my county property taxes that were due XX/XX/XXXX had not been paid. On or about that day I called Freedom Mortgage to report the issue and was assured by the agent it would be resolved soon. 

On XX/XX/XXXX, having not received any information, I called and sent a message to Freedom Mortgage through their secure portal about the status of the unpaid taxes. I was told the issue was " scheduled for resolution '' by XX/XX/XXXX. 

On XX/XX/XXXX I received a message from Freedom stating that my taxes were not due until XX/XX/XXXX and that this information was received from the county. 

On XXXX I sent a message instructing Freedom to pay the outstanding balance with penalties for my original tax account. I stated I had coordinated with the county that payment to that account would be applied to the 3 account numbers and email me when complete. I demanded the documentation Freedom Mortgage claimed they had stating my taxes were due XX/XX/XXXX. I provided a scanned copy of the county tax bill for the account. 

On XXXX I received email notification taxes had been disbursed from my escrow account for 2 of the new tax account numbers. No notification was provided for the 3rd tax account number. 

On XXXX I received a message from Freedom stating they would research the issue and reply by XX/XX/XXXX. 

On XXXX I sent a message to Freedom explaining that they did not comply with my instructions sent XXXX and instructed them to submit payment for the 3rd tax account by XX/XX/XXXX and email me when complete. I provided a PDF copy of the county tax bill for that parcel and stated if my tax was not paid by XXXX XX/XX/XXXX I would submit a complaint to the CFPB. 

On XX/XX/XXXX I received a message from Freedom stating their research " should '' be complete by XX/XX/XXXX. 

That same day I sent a message to Freedom again instructing them to disburse my tax payment to the correct account with a copy of my instructions from XXXX. 

On XX/XX/XXXX I received a message from Freedom stating their research " should '' be complete by XX/XX/XXXX. 

That same day I sent a message to Freedom instructing them for a 3rd time to remit tax payment from my escrow account. 

As of the date of this complaint no further information from Freedom Mortgage has been received.