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

Applied for a Chase XXXX XXXX Credit card. Chase says they cant process the application because they cant pull my credit but they did on XX/XX/2022. Ive spent over 3 hours being verified by the branch. No one at Chase will explain what the real issue is.
Product: Debt collection

Ive been receiving calls from this debt collection company for months! Ive been blocking numbers but they keep calling from different numbers and constantly harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint in regards to fraudulent activity/information on my reporting on my credit report. XXXX XXXX with account number XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) reporting on XXXX and XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) on XXXX and XXXX doesn't belong to me and lastly, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX doesn't belong to me as well.
Product: Vehicle loan or lease

On XX/XX/XXXX UNITED AUTO CREDIT CORP omitted fraudulent information to the credit bureau. I had voluntary repossession of the vehicle in XX/XX/XXXX, due to it being stolen. I received documentation that they would sale the vehicle at auction and update me with the remaining balance. Also, the fraudulent information that was omitted ensued that I had late payments since XX/XX/XXXX. I haven't paid since XX/XX/XXXX.
Product: Debt collection

A collection company by the name of Eastern Revenue sent me this letter stating that I owe a debt for {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out multiple letters to the credit reporting agency ( EQUIFAX ) regarding some inaccurate information on my credit report which consisted of unauthorized inquiries. This has been going on for over 3 months now. I am only XXXX XXXX XXXX who makes a decent amount of money for my age, has good relationships, and has a business to build. These negative inaccurate accounts are affecting my account tremendously, if there is a way you ( CFPB ) can help then please help. 

Attached below will be my ID and SOCIAL confirming it is XXXX XXXX filing the complaint, proof that the reporting agency received my letter, and the letter I sent out.
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 App 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 redresse
Product: Debt collection

I am not liable for this debt with INVS RETR plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$11000.00}
Product: Credit reporting

XXXX failed to honor their settlement agreement terms after sending me a settlement letter and my paying them based on their agreementMy account is still shown as STATUS : Charge OFF - Paid for less than full amount, lateThe attached letter from XXXX clearly states that if I pay the offered settlement, my account would be Settled with {$0.00} Balance. Nowhere in the settlement letter does it say " Charge Off, Paid Late or Paid for less than full amount '' It simply states if I make the payments which I did, my account with be Settled in FullThat is how my Credit files should be shown under STATUS. but they are not. 

I have intiated investigations by all XXXX bureaus only to be told they checked with XXXX and XXXX tells them " charge Off '' is the correct status. 

I was either fraudulently lied to by XXXX to pay a debt under the pretense of getting my credit files improved to fix my damaged credit after XXXX years of unemployment from the recession ; or Someone XXXX XXXX that interacts XXXX Credit Bureaus is lazy and does not read the settlement letters. 

Bait and switch, which is offering one thing and then giving the person something else is fraud. I was offered one thing, I paid, they reported something else. 

Please have them change my files with the three bureaus
Product: Credit reporting or other personal consumer reports

I reported XXXX XXXX  on my XXXX  card that charged me about XXXX in deferred interest because they closed it then asked for information which you the CFPB mustve briefly looked over they only provided information on XXXX remaining as I saved their pdf to you along with adding interest by large amounts every day. My XXXX XXXX card also does not show how I got to that amount they just threw in some random months to make it look legitimate yet that does not show how I got total balance and theyre charging me interest on that amount Ive reported it over and over they finally responded and you guys didnt check the pages it shows nothing how I got these balances XXXX  only showed I owed XXXX but then skipped ahead and showed right when closed early XXXX XXXX XXXX in deferred interest since that time I have paid well over XXXX to them which is noted and no one has done anything to XXXX same thing Im attaching their files they sent you to show it made no sense and didnt add up and to closing my accounts for risky behavior they explain reason why I was risky payments on time low balance to utilization etc they are a scam
Product: Mortgage

I received an escrow annual analysis dated XXXX XX/XX/XXXX. My property taxes have DECREASED since last year by {$9.00} my insurance has DECREASED by {$10.00} yet my escrow has increased by {$33.00}. Every year since XXXX this institution has been steadily increasing my payments. Im an unemployed XXXX XXXX veteran on a fixed income. This is absolutely not right!
Product: Mortgage

On XX/XX/2018, I made an online payment by error to a paid off loan with Dovenmuehle Mortgage that services XXXX XXXX XXXX   XXXX. This payment was supposed to go to XXXX who also services my current mortgage with XXXX XXXX XXXX  XXXX. I contacted Dovenmuehle on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/XXXX, XX/XX/2018 XX/XX/2018, and up until today 's current date to recover my funds and they keep stating with no supporting evidence that they forwarded my payment to XXXX. XXXX can not locate the payment. The payment amount was {$2300.00}. I am currently suffering from financial hardship due to a XXXX and this missing payment is not only causing my family emotional distress but also contributing to pushing me into foreclosure due to missed payments. 

Please help. The following companies are parties to my complaint. 

XXXX XXXX ( originating bank in which my payment came from ) Dovenmuehle Mortgage ( previous loan servicer that received my  payment in error ) XXXX ( current mortgage company )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is not a good response. There is no delinquency. I do not have a contract to do business with XXXX, I never had a balance with XXXX XXXX XXXX. Can you provide where XXXX even sold my account to them? No, you can't because I never had a balance. If you think this information is accurate, please provide me all contracts and bill of sale between XXXX and XXXX so that this can be provided to my legal team. If this can not be provided, this needs to be removed from my credit profile.
Product: Credit card or prepaid card

I was approved for XXXX Credit Card and received the card a few weeks later than promised. 

After receiving the credit card and getting everything set up with mobile app and auto payment, I noticed the amount of the credit card was reduced by {$150.00} instead of the {$75.00} fee that they outlined in my " Account Opening Disclosures '' documents. ( I have attached them for your review ) The annual fee was suppose to be {$75.00} initially, and my starting available credit was to be {$1100.00}. But what I am seeing is that they have charged me {$150.00} and my starting available credit is only {$1100.00}. ( Note that I have not used the credit card for any purchases ) I called on XXXX XXXX, 2023 at appx XXXX and spoke to a XXXX XXXX I explained the issue with XXXX and she told me that she did not understand why my available balance was not correct and that she was escalating the issue to the back for them to review and correct. She also said it would take about 48 to 72 hours to correct. I waited until XXXX XXXX, 2023 and checked and noticed that nothing had changed. 

I called a second time on XXXX XXXX, 2023 at appx XXXX and spoke to another XXXX who stated that she could see the issue and the notes from my 1st call. She stated that she was escalating the issue it should be resolved in in 72 hours. So today I have checked my account again and the issue has not been resolved.

At this point I feel that they are giving me the run around. I have attached the document that shows exactly what my credit limit is and what the annual fee should have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent credit inquiries as I have no knowledge of any of these inquires due to the Equifax data breach/identity theft all is being investigated by the FTC. According to FCRA 605B This information must be blocked immediately until the investigation is over.
Product: Debt collection

Hello, I am requesting that you investigate these accounts and, if appropriate, remove them from my credit report. I believe these accounts are the result of identity theft, and I have already filed a police report with the local authorities. Additionally, my address as listed is not accurate. I am also writing to request that you comply with the Fair Credit Reporting Act ( FCRA ) by not reporting any information about me without my permission. I am aware that the FCRA gives me the right to dispute any information on my credit report that is inaccurate, incomplete, or outdated, and requires you to investigate my dispute within 30 days. Furthermore, the FCRA prohibits you from reporting information that is inaccurate, incomplete, or unverifiable. Thank you for your attention to this matter. Please provide me with a written response to this dispute within 30 days, as required by law. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, Western Union ( WU ) customer service directed me to write an e-mail to XXXX XXXX XXXX  unit after I called Customer Service. I was asked to call after I received an XXXX code while attempting to send money ( a mere {$60.00} ) to XXXX. The last transaction I attempted to send was also almost blocked, and I was also asked to call customer service and I was told it was for my own protection. To protect me from scams. I thought this issue was all taken care and resolved. 

I am an XXXX, no criminal history, and I would like to be informed me why I as a U.S citizen I am not allowed to transact business with Western Union. 

I've not heard from the XXXX XXXX XXXX, and I've resent the the e-mail and copied Western Union 's  XXXX.
Product: Credit reporting or other personal consumer reports

I previously disputed the XXXX XXXX XXXX XXXX account ( ending in XXXX ) on my Experian credit report due to multiple inaccuracies. Despite my dispute, Experian has verified the account as accurate without providing any supporting documentation to substantiate their verification. This violates the Fair Credit Reporting Act ( FCRA ), which requires a reasonable reinvestigation and verification of disputed information. 

The reported issues include : Inconsistent reporting of statuses, showing both 'voluntarily surrendered ' and 'charge off ' for the same account, which is misleading. 
Continuous monthly charge-off reporting from XXXX to XXXX, which may not comply with FCRA accuracy requirements for closed or resolved accounts. 
The failure to adjust the balance after a voluntary surrender and potential resale of the vehicle, leaving the reported balance unchanged at {$8200.00} with {$10000.00} written off, despite asset recovery requirements under FCRA and TILA. 
Experian has not provided evidence from XXXX XXXX XXXX XXXX to confirm the balance, charge-off details, or status accuracy. These discrepancies are significant and harmful to my credit report.
Product: Student loan

I have been struggling with Navient and their repayment options for a while now. I have 4 separate loans but one in particular they just wont help me with now. The total is {$20000.00}, signature loan XXXX. 

In XXXX I had spent 2hours in the phone with them so they can fix it. They told me they did I have confirmation numbers that I will be paying {$150.00}. I called recently and was informed that, that loan was never eligible for a repayment plan and aside from the {$150.00} that I am already paying for the other loans I would have to pay {$300.00} for this one payment alone. 

I submitted my financial statement before it was due and I have stressed to them that I can not pay that. 

Yesterday XX/XX/XXXX i spoke to an agent XXXX who stated that they are not obligated to help me find other options, that again I was never eligible for a repayment plan and that he is sorry the truth is ridiculous. 

I asked to speak to his manager XXXX who wasnt as rude but not helpful either and he reiterated the same thing. So not only did they misinform me in XXXX but now they arent willing to correct their wrong and are trying to make me pay what I cant afford. 

I am not paying off a car or credit card .. this is a student loan that was taken out through XXXX XXXX at the time at the age of XXXX and I regret I ever did. 

This is not the first time I have an issue with them. In the past they have taken my payments and have not disbursed them as they were suppose to.
Product: Checking or savings account

I been with BOK for about 6yrs, for the last few years i have had health problems and the latest losing my love of my life of 30yrs and our only child a son 24yrs a week a part to the virus. I spent time in the parking lot just to be close to them that was when you couldnt visit hospitals XXXX up until present its been rough after losng my family it triggered a XXXX XXXX i had heat XXXX in XX/XX/XXXX had XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and recently a battle with XXXX  myself. I had my family call BOK let them know about my health and i will be in to take care of it please dont charge my over draft fees. The lady told them she couldnt talk to them but would make notes to the account. But each time i came home i had several charges in fees each {$35.00} well over {$100.00} this last time after coming home from having XXXX  i explain itwas something that couldnt be help, they chastised me like i was a little kid and im almost XXXX old. I been giving up my medication to pay fees but i couldnt do it this time they have fixed it where if i wanted too open a new account i couldnt because they are reporting me as if i did this on purpose but has blacked list me from other banks, Butthe way they talked to me chastised me about my account. I need help out of this and im so stressed over it my XXXX XXXX is high now they are effecting other parts of my life. But i cant pay the checks and over {$100.00} in over drfts im on a fixed income ssi XXXX. They almost seem like loan sharks the way they talk to you borderline threats thru chastising
Product: Credit reporting

I have a collection item reported in my Equifax credit report. I tried to file online dispute but their website does n't work. You can fill out all info for an item in collection but can not submit the dispute. I have tried it for XXXX and finally called them. They advised me that I will have to use the online form to file a dispute. 

With non-functional dispute website and not responding on phone, I am left with no option but to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/2020, My public record " Bankruptcy '' is over with.Should not be on my record at all
Product: Debt collection

Chase Bank reported me to the credit bureaus for a missed {$5.00} missed payment. I have been a customer of Chase for 11 years and never use this card. When I receive notification through my XXXX  credit monitoring service that Chase reported me for this missed payment I immediately paid it and attempted to speak with a Chase representative to have this taken off my credit report. I had no idea I had a missed payment because this card is so rarely used, and have never had a missed payment with Chase before this. They refused to remove this from my credit report, despite the fact that it lowered my credit score by 78 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the creditors and bureaus stating that I am a victim of identity theft and they sent me a letter back claiming that it may have been a " mistake ''. So... I am sending this out AGAIN! This is not a mistake or a frivolous dispute The accounts are XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against credit bureaus ( Experian, Equifax, and TransUnion ) for failing to comply with my request for debt validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

I sent a debt validation request to them demanding verification of the alleged debt. Under 15 U.S.C. 1692g ( b ), they were required to provide : A copy of the original signed contract or agreement proving I am responsible for this debt.

A full itemized breakdown of the alleged debt, including proof of ownership and legal collection authority.

As of today, they have failed to provide any of this required documentation.

Since they have not validated the debt, I am now disputing this account under FCRA 609 ( a ) ( 15 U.S.C. 1681g ). The credit bureaus are legally required to provide complete documentation verifying the accuracy of the reported account, including : A copy of the original signed contract with my wet signature.

Proof that the reporting creditor has complied with FCRA and FDCPA guidelines before placing this information on my credit report.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the credit bureaus can not verify the accuracy of this information within 30 days, they are legally obligated to delete the account from my report immediately.

I request that the CFPB intervene to ensure that this account is either properly validated or permanently removed from my credit report. If corrective action is not taken, I will explore further legal remedies for violations of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone took over my lease at the XXXX XXXX XXXX complex. And the new tenant has an overdue bill so now the apartment complex sent a collection agency after me. The collection agency failed to contact me and damaged my credit without telling me about the debt or trying to resolve it with me first. I had to find out from XXXX XXXX. Even though I signed a lease-closing document when I moved out that stated I wouldn't be responsible for any debt the new tenant will accumulate. Now the apartment complex has accepted their wrongdoing and removed it from my credit but I lost 22 credit points because of this derogatory mark and gained none after the error was removed. I was planning to get a car loan and did not get the rate I wanted because of this. I asked Equifax and XXXX  both to do more research on my score to repair it and they did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account GULF CST COL XXXX balance {$150.00} has just popped up on my credit report without ever communicating with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.