23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was XXXX in XX/XX/2023 a Discover XXXX  Credit Card and Discover send me a card appoved {$500.00} balance but I try to use and never are avalible to use. I call Discover and we said the account is open but don t understend what happen and we tell me I need to wait to 6 month to account closed and try to fill the credit card again and I try in six monyhs later and the next year but dont appoved anymore but in my credit report appear the closed account in XX/XX/2023. I make two dispute to eraiser the closed account because I never have the account because the credit card never are avalible but we never accept eraser account. I think if Discover never bring me the credit and closed the account whiout explain me dont have a right to put this account in my credit report.
Product: Consumer Loan

I have a loan with CarMax. I am currently behind on the payment and have made payment arrangements through their online system to bring the account current. CarMax continues to call me leave messages and the call back again. They continue to first leave a message and then call back later in the day and not leave a message on the same phone number.
Product: Credit reporting or other personal consumer reports

I have an account listed on my credit report from XXXX XXXX XXXX XXXX. When I view my credit report the account is listed in collections and fails to state who the original creditor is. I had recently attempted to contact XXXXXXXX XXXX  XXXX to see who the original creditor is as its not showing that information on my credit report. The representative I spoke to with XXXXXXXX XXXX XXXXXXXX tell me that they no longer have the account and I would need to speak with someone from a different agency to verify the information and make payment etc. They give me the phone number to XXXX XXXX XXXX  and I contact them. After verifying the original creditor and me realizing the account is mine I make full payment to XXXX XXXX XXXX. The credit reports should have reflected accurate information. I want this account removed off my credit reports since I did pay in full.
Product: Debt collection

On XX/XX/XXXX Southwest Recovery Services reported on my XXXX report that I owed {$810.00} on an individual account taken from original creditor XXXX XXXX XXXX XXXX. Stated it was opened on XX/XX/XXXX which I have not opened any new accounts at that time. Tried calling XXXX ( XXXX ) XXXX pressed option 2 to speak to someone regarding credit reporting office regarding a issue appearing on your credit report. Rings several times then you are disconnected or occasionally you can leave a voicemail for an individual. After several calls was informed this was a payday loan however other than that they just refer you back to XXXX XXXX XXXX which has no information as the debt was removed from their office
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX numerous times. There is an address on my report that is not mine from California. Ive actually gotten through to someone, they said it is removed, but its still there. I could never get a person again on the phone. Ive never even been to California. They also have a charge from a creditor from a AD Astra Recovery Services that does NOT belong to me. Now, they have reported that same one, thats isnt accurate again XXXX  XXXX my credit report. XXXX. Its not mine. So Im not sure how they are saying it is. They are sayings its from XXXX The same exact thing from the same exact company is stating there is XXXX from XXXX of XXXX Ive never dealt or talked to this company. Now there is multiple reports of the same company. Its outrageous. Ive called XXXX times, and literally can not speak to anyone. Was put on hold for hours. Then, I wrote letters, they never responded!!! Im sick dealing with them, and I need help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

showing XXXX XXXX never been inaccurate information FCRA violaton must be removed How can Equifax tell us we can not get helped by a 3rd party  with theyre licease and experienced?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX bill that I've gotten help to contact them and they are still leaving a debt on my credit that is not mine. Please do what you can to make sure they remove this from my credit report. It stopping me from buying a home at a decent rate.
Product: Bank account or service

i filed a claim for fraud activity on bank account, my claim has gone unresolved ... .even though YOUR rep told me this is an error on your end. He gave me a " Memo Credit '' but it doesnt mean anything. its just a pending transaction ... ..we have been ongoing for more than a week now, and everytime someone says they will call me back.. none of that has happened, i will be going on vaction this friday and i am out {$870.00} that was fradulantly stole from my bank acct. i have spend more than 6 hours now of my time in the past week dealing with this, and being told this is your fault and not sure why i havent received my money back. i am NOT HAPPY with chase bank, and am disappointed ... .because until this situation, i praised Chase Bank ... .i will be taking my money elsewhere when this is resolved. have filed a complaint with the BBB as well.
Product: Consumer Loan

My loan matured on XXXX/XXXX/15 but Santander Consumer states I still owe XXXX. They will not provide documentation as to the amount after multiple requests. They are predators and now I am filing bankruptcy chapter XXXX.
Product: Payday loan, title loan, or personal loan

Refinanced all credit cards and the loan from Lending Club. I have called them 7 times and I was told a XXXX  would get back to me. I have also sent numerous e-mails, with no resolution. Its is my understanding they have had the check over a week. It had the appropriate account number but did not reflect my name. The check came from XXXX for {$19000.00}. The exact amount left on my account. 

They asked for a copy of the cancelled check. They claim they could not post to my account, until this was received. I sent the Tiltotal letter along with the check number. XXXX advised me this should be more than enough to have the amount credited to my account. 

I am approaching my next payment date. I truly feel they are dragging this out. Just want the check applied to my account and to be done with this crazy situation. Each time I asked for a XXXX  possible 3-4 times I was told that none were available. 

No responding e-mails and -0- phone calls, returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVELY REPORTING ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY FILE. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY VIEWED MY CREDIT FILE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVE.
Product: Mortgage

Carrington Mortgage Services , LLC ( Carrington ) is in violation of Regulation Xs loss mitigation procedures by failing to implement an FHA Covid-19 Advanced Loan Modification agreement accepted by the borrower prior to the transfer of servicing to Carrington. 

For more information, please see attached letter and supportive documents.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX  data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX XXXX XXXX at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Product: Credit reporting or other personal consumer reports

I have called all three credit bureau and requested them to remove debt collections off my account and fix my personal information and they did not remove it they kept putting the error on my account! So I am therefore coming to you for help! As in this under code us1602C law I am protected from any dispute, then under the FCRA ACT I am demanding to be remove from my credit report, also I did not give permission to any thing in my name! If these inaccurate accounts or inquiries are not remove I will take legal action! So please have them remove! Thank you
Product: Mortgage

Hello -- My mortgage was bought by US Bank who have, until recently, a policy of collecting the mortgage due for a month up to 5 calendar days from the beginning of the month for which the payment is to be made ( my account details with US Bank can be made available to relevant CFPB personnel on request ). They recently changed their policy stating that even if the payment is made within the first 5 calendar days of the month for which the payment is due, they will collect an " online payment fee '' of {$5.00} if it 's made after the XXXX calendar day of the month. I paid my XXXX 2016 payment by XXXX XXXX and they charged me this {$5.00} online payment fee. 

This was a major change, as most customers have been : 1 ) accustomed to paying within the first XXXX calendar days without incurring any fees, 2 ) was not adequately communicated to us and 3 ) when I called their customer care number they were unwilling to consider any of my points and just insisted that they had informed me by putting this somewhere on their website. I would submit that such major changes should be : 1 ) adequately communicated, specifically with emails or prominent alerts as soon as XXXX logs into one 's online mortgage account and 2 ) banks should be willing to return the amount if this has not been adequately communicated. I concede the amount is small, but after the whole mortgage servicing mess, XXXX, the banks seem to have still not learnt any lessons, and keep on nickling and diming their customers out of all sorts of fees for very little-to-no work. 

I would request the CFPB to look into the possibility of the bank refunding me this amount, on principle. and ask them, in the future, to announce such major changes prominently on their website or through their communications with their clients. 

Many thanks, XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 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: Checking or savings account

I am a Chase bank customer with a checking account. I am not enrolled in overdraft assist/protection or debit card protection. On the following dates these recurring charges were allowed to be processed by Chase without my consent, although I did not have the funds in my checking account. 

{$440.00} XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XX/XX/XXXX {$8.00} XXXX  XX/XX/XXXX {$7.00} XXXX XX/XX/XXXX {$27.00} XXXX XX/XX/XXXX {$5.00} XXXX XX/XX/XXXX For each of these transactions I was charged separate fees of {$34.00}. This caused me to be further and almost inescapably in the negative due to my current situation. Had I not been charged these fees I would have comfortably been able to resolve my situation with my paycheck. 

On XX/XX/XXXX I reached out to chase bank and one friendly customer service representative was able to process refunds for XXXX of those fees, totaling {$100.00}, then stated that the other XXXX were denied due to reaching the refund limit. I stated that I did not agree to those charges and that they need to be refunded, and asked to speak to a supervisor who could override the refund limit. She put me on the phone with XXXX the supervisor who was completely helpless. He stated that there is no one in the company who can override this curtesy refund limit. I informed him this should not be a courtesy, I didnt consent to be overdrafted in the first place, and if he wasnt able to help me with the situation then I would prefer to talk to whoever has more authority than him. He stated that there is no one available, and that even if there were, the outcome would not differ. I insisted on waiting to speak to another supervisor and he kept repeating the same thing and stated he would end the call if there was nothing else he could help with. I insisted that my issue was not resolved, and to not hang up as that would be unprofessional, and that I would simply like to speak with someone else. He then proceeded to end the call. 

At this moment I would simply like the remaining {$100.00} to be refunded, something that would not even make a dent in JP Morgans earnings, meanwhile us working class are struggling to pay for basic living expenses. 
I will also be looking into ending my checking account with Chase Bank and finding a financial institution with policies that better serve their customers.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

It's truly unreasonable that I've always made payments on time for this account and have never been tardy. Please ensure my account accurately reflects this.
Product: Credit reporting or other personal consumer reports

So I had a credit score of XXXX late in XXXX and looking at the history, or report of changes on the account it doesnt give any reason for the drop it shows shows the date XX/XX/XXXX and my score is XXXX but then it also shows Ive lost XXXX points since XX/XX/XXXX and there is no other changes on the reports! Ive tried talking to customer service and the special handling team ; To no resolve. They told me that the algorithms could be the reason for my score changing but I dont see how it could change that much and there not being any valid reason. Ive check my credit on multiple websites to make sure it wasnt a technical error but both are still showing the decrease in transunion score and cant give any reason the score dropped XXXX points. My credit has never dropped before and I havent had any foul play on my end so Im just concerned its a mistake and even if it was the score cant be changed Im being told. So if you could just help me get the reason for the TransUnion score dropping so drastically that would be a big relief for me. Cause Transunion cant give me any reason for the negative points being added to my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion through any appropriate method, such as patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver 's license number are cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data ( including immunization records ),  legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which is n't available as a default. It requires 2/3 one 's SSN plus last name and a waiver of class-action recourse in order to DETERMINE is one is affected by the breach. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Vehicle loan or lease

XXXX XXXX employee that works for Regional Acceptance keeps calling me with repeated calls every day after I tried to make payment arrangements with him on XX/XX/2021. He's even called my mother and daughter trying to locate me when he does have my phone number to get intouch with me.
Product: Credit reporting or other personal consumer reports

I agreed to settle this account with the promise of removal of this account on my credit reports. The settlement was agreed upon, however they VIOLATED the terms of the agreement by reporting this to ALL OF CREDIT BUREAUS WHICH HAS RUINED MY CHANCES FOR EMPLOYMENT, HOUSING AND A NEW VEHICLE IN WHICH THEY NEED TO PROVIDE SINCE THEY F***KED UP ROYALLY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUFIAX FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEM PURSUANT SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Product: Debt collection

I purchase a phone on XXXX/XXXX/2014 and paid {$140.00} to XXXX XXXX XXXX. I have been told that I have two weeks to return the phones in case I change my mind. After a week I realized that I do n't have the budget to pay such amount on monthly basis, so I returned it. I was told that they will reimburse me only {$75.00}. So I paid for a week {$70.00}. I was ok with it. Then the phone was sold to another client and never changed the billing. When I received a letter that my account was sent to collection, I went to the store and asked for explanation. They could n't even connect the phone to my name, but to another client. The manager just said we ca n't do nothing and we are sorry. I went ahead as I did n't know what to do and paid a bill that it is not even mine, but this is still showing up on my credit report and it is hurting my credit score.
Product: Debt collection

XXXX XXXX here ... 

Consumer Financial Protection Bureau ( CFPB ) representative- Please, if you will, open Attachment # 1 and review the " Re-evaluation of credit card dispute '' letter sent out by Bank of America in XX/XX/2020. 

The full charges which I have been strongly and adamantly insisting that are fraudulent charges ( i.e., not my charges ) totaling ( {$2000.00} + {$2000.00} plus Foreign Transaction Fees of {$60.00} + {$60.00} ) ... 

Yet, Bank of America does not agree after I asked for more than one re-evaluation of my credit card dispute. The exact wording in the letter ( as you can read ) is : " While you personally didn't make the charge ( s ) ... '' - >>> thus agreeing with me that these are not my charges and therefore fraudulent charges " ... we confirmed that it was made by an authorized user on the account or someone who has permission to use the card. '' - >>> BUT THIS IS NOT TRUE! The only other authorized user for this Bank of America credit card is my lovely wife, and she did not order over {$4000.00} worth of product online!!! 

>>> My lovely wife and I are prepared to submit sworn affidavits notarized by a Notary Public if necessary to reinforce this fact ...

=== === Bank of America has been trying to collect the debt on this card- debt which neither myself nor my lovely wife created as neither of us purchased the items on the credit card totaling the charges of ( {$2000.00} + {$2000.00} plus Foreign Transaction Fees of {$60.00} + {$60.00} ) ...

I understand that your office may not be able to adjudicate this issue, but wewould like to report Bank of America.

See Attachment # 2 titled, " Bank of America- FINAL FINISH, 11-30-2020, BoA LETTER to the BoA Fraud DEPT '' which I mailed to Bank of America to reopen the fraudulent charge case ( which I still believe is valid ) ...

God bless ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT LETTERS TO TRANS UNION TO FIX MY PERSONAL INFORMATION THEY ARE THE ONLY CREDIT REPORTING COMPANY WITH MULTIPLE WRONG ADDRESSES. SPELLING OF MY NAME AND INACCURATE WORK HISTORY. I SENT THEM AN UPDATE WITH A COPY OF MY DRIVER 'S LICENSE AND THEY STILL DIDN'T UPDATE MY PERSONAL INFORMATION. 

THE CORRECT INFORMATION IS : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX TX, XXXX WORK : XXXX XXXX XXXX
Product: Mortgage

In XXXX XXXX XXXXXXXX I was informed due to my escrow increase my monthly payments were going up {$460.00} monthly. I have asked several times why such a large increaased since my total escrow due for XXXX is only an increase of {$130.00} annually from total paid escrow in XXXX. They keep throwing the same document in my face without answering the question. Every year I'm told I have a shortage and my payment conitues to go up. But a {$5500.00} shortage, this appaers to be missmanaged or I'm being taken advantage of. 
On XX/XX/XXXX I had an escrow balance of - {$270.00}, then in XXXX I had a shortage of {$5900.00}. 
Total paid escrow in XXXX was {$6700.00}.