23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was with Discover, got behind on payments. The situation escalated and I was getting sued by Discover we arranged payments and now the debit is paid. The problem im having is that Discover hired XXXX XXXX XXXX ( law firm ) to sue me which meant account never left Discover hands, i quote " Respectfully submitted, Discover Bank By Its Attorneys ''. So now that the money is all paid Discover changed my account from Closed to Current then the very next day Changed it to an charge-off with {$0.00} balance. How can you charge-off nothing? Only thing being done is Discover being vicious against me to hurt my credit. I been watching my credit reports, Discover only closed the account and hired XXXX to do the dirty work and now still trying to write it off as an charge-off.
Product: Mortgage

I sent two R.E.SP.A QUALIFIED WRITTEN REQUEST on XXXX XXXX & XX/XX/2021 both time the servicer of the loan has not responded to my quest for documents I am requesting help from the CFPB to have Novad Management Consulting follow the law
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Mortgage

The loan officer XXXX XXXX XXXX @ Clear Path Lending ) did not send a disclosure statement of our loan costs. Several of the documents were different from what we originally signed. Closing costs and fees were higher than what we agreed to. Fees were added to reduce points that I did not agree to nor was made aware of. The Loan Officer ( XXXX XXXX XXXX explains that I was informed of the fee and I signed a disclosure form. I was unaware of any fees associated with buying down points. My credit score is high enough that I do not need to buy down points. I further explained that I would have never agreed to buy points down on a loan because I am very frugal. As a Veteran this is a major issue and seems to be dishonest and unethical. 

Initially XXXX in XXXX XXXX I asked the loan officer for a break down of all the costs ( I asked for a disclosure statement ) and he explained that a disclosure would be sent at a later date. He also explained that only the final disclosure mattered and all others were just estimates. When XXXX sent the disclosure he had added {$3600.00} so we could buy down our rate to 2.25 %. I did not agree to buy down our rate. I was told that our rate was XXXX based on my and my wife 's credit score. My wife has close to an XXXX score and my score is XXXX or higher. His practices do not seem to be in alignment with what he told me. 

Lastly, I contacted the Loan Officer and left his supervisor XXXX XXXX a message that there were discrepancies on our documents. The Loan Officer emailed the disclosure documents at XXXX today XXXX. We should have received the documents 3 days ago. The documents according to the date ( on the disclosure ) were ready XX/XX/, yet, we did not receive them. The Attorney was here at our home at XXXX and presented us with documents that we have never seen. This is problematic and unethical.
Product: Credit card

I received a credit card from Sears MasterCard Citibank in XXXX of XXXX. The Fraudulent charges were all charged in XXXX, XXXX and XXXX of XXXX. After going back and forth with this company on the phone several times, ( at least 12 -15 times ) they sent me letters stating that the merchant claimed I purchased these items. The fraudulent charges added up to {$1000.00}. 

The cc company credited me $ {$630.00}, as well as a separate credit of {$50.00}, totaling {$630.00}. The amount that was never credited to me was {$370.00}, plus finance charges on this amount. 

After phone call after phone call of them sending me to the fraud department, then back to customer service, the on to XXXX XXXX. I finally wrote a letter XX/XX/XXXX almost a year later spelling out exactly in detail the products fraudulently purchased, dates and amounts requesting a credit to my account. I heard nothing, so I called. They definitely had my letter, since the agent on the phone read it back to me. Agent XXXX said " Oh you should see that credit on your next statement '', which of course, never came. 

So I sent an additional letter on XX/XX/XXXX reminding them of the credit they still owe me, plus interest. I have copies of those two letters.
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. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX, XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Account name : 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 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 card

XX/XX/XXXX I rented a car from XXXX. When I looked at my Amex bill, there was an additional charge of {$15.00} from PREMIUM CAR RENTAL INSUR, NY. When I called and ask what that was, they said it was primum car insurance from American Express. I said I never asked for it and I want the money refunded and the service discontinued. They said they can not refund it because I signed up on it via a another card I had several years ago. I said I never signed up for it with THIS particular card and there is no mention on it ANYWHERE on the website or a section to discontinue it. They said they would discontinue the service and refund me the {$15.00}. Both never happened. I tried to dispute it again, and I got the same results. I dont want this service, I can not find where to discontinue it and I want a refund for my {$15.00} because I never requested it.
Product: Mortgage

My mortgage Co, Nationstar has not given me credit for one of the monthly mortgages payments I made this year. 
Between XX/XX/XXXX and XX/XX/XXXX I made partial payments which were misapplied to my account by Nationstar. I have been on the phone multiply times with their representatives in an effort to correct this without success. 
At my request they sent me a transaction history on my account it confirmed that through XX/XX/XXXX my records agreed with theirs. However after XX/XX/XXXX it is impossible for me to decipher the transaction history they sent me. 
But the bottom line is this, between XX/XX/XXXX and XX/XX/XXXX I paid a total of 6 payments and their records only give me credit for 5 payments As of XX/XX/XXXX they say that I was past due for the XXXX XXXX payment and that 's not true. At that date I was next due for the XX/XX/XXXX payment. 
Please see attached the transaction history they sent me, together with my notes listing the payments I 've made since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am seeking resolutions to handling FCRA violations done against me by the debt collection agency, XXXX XXXX, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans. 
XXXX XXXX XXXX, is committing violations to the FCRA. They also are involved in or party to what is considered, " double jeopardy '' where this account has previously been with multiple other collection agencies that were removed from my credit files only to be purchased by XXXX XXXX XXXX and falsely reported the same account with the same " Original Creditor-XXXX ''. If an item is changed or deleted, the credit reporting company can not put the disputed information back on my file unless the information provider validates that the information is accurate and complete ( which it is neither ). I have documentation showing that this account was previously with other collection agencies and removed from my credit files, only to learn that now the same account is being falsely reported to XXXX and XXXX   credit reporting agencies. I am still trying to understand how XXXX XXXX   was able to just report on the same inaccurate, incomplete, invalid and false information back to the credit reporting agencies, of the same account previously removed.I hope that you are able to assist me in having this unscrupulous debt collection agency reported and held accountable for their intentional violations to FCRA.
Product: Credit card or prepaid card

It was brought to my attention, a local retailer in XXXX NJ, XXXX XXXX, was allowing my ex to use my XXXX XXXX card issued by Citibank. As soon as I was made aware of this, I contacted Citibank as of XX/XX/XXXX as I did not authorize these purchases and or was/is my signature on file! I do not and NEVER have and an authorized user on my card either. I was made aware of this when my ex got arrested, I was listed as a contact person on is car, and was called to come and pick it up. There was an invoice in there in which he made a purchase, half on my card and half on his card. Again I did not authorize this and my card should have NEVER been charged. It is my understanding that there is a 2 year time frame, both which I am and was in when I filed the complaint as one was from XX/XX/XXXX and the other in XX/XX/XXXX for a total of almost 700.00. Please note the first purchase I found by calling XXXX XXXX  corporate office and the rep searched for it via his license plate. The only reason why I did not address this sooner as I was not made aware and I had alot of work done by using my card as well therefore the balance with interest originally made sense. The issue I am having now, is that Citi is not removing the charges, they feel that I am responsible for them which I am not. At NO time should any retailer let another person, regardless of whom it is charge another persons card with out their consent. If they were doing their job correctly, both the retailer and Citi, they would see that my card says clearly see id! I have been a victim of fraud previously! This case was reported in XX/XX/XXXX and had been closed many times for an unknown reason ; I have complied with all of the information they have requested from me. Last week I contacted the corporate office of Citi, and spoke with a rude witch, XXXX. I advised her of all the issues as above in detail, the conversation was at least 30 minutes at which time she advised me she would review it further. My main arguement of which it is clear in the contract is THEY DO NOT HAVE MY SIGNATURE, IT IS NOT AN ONLINE COMPANY AND I DID NOT AUTHORIZE THESE PURCHASES! I AM NOT LEGALLY RESPONSIBLE FOR THEM! I get a call today and she was a witch once again just basically reading me the letter which was sent as of XX/XX/XXXX advising me, to bad there is nothing we can and will do for you. You are legally responsible for these. Again, I am not legally as my signature is not on file. This is not hard people. Since I am getting no where with them, I am turning to you for help. Citi bank and XXXX XXXX clearly promotes fraud and that is against the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Collections & Outsourcing # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.
Product: Checking or savings account

On Saturday XX/XX/2024 at XXXX, my Chime banking account was abruptly closed. I called the customer service number multiple times about the issue and was repeatedly told the same thing, which was that my account was closed for some kind of terms violation but they refused to tell me what this supposed violation was. I requested the {$200.00} balance be returned to me and was told that my account was ineligible for a refund. Every time I tried to push the issue and ask more questions, the call would be abruptly ended.
Product: Prepaid card

On XXXX I tried reloading my XXXX balance with the {$100.00} Vanilla Gift Card I purchased at XXXX for {$4.00} the same day. I had several issues with it and could not use it. This was after attempting to use it for my initial purpose to pay my insurance, which was also denied. I confirmed that the balance was {$100.00} on their website. I tried contacting customer service and getting more information, but the phone number has no option to speak to a representative and offered no help. Their website FAQ was also no help. Searching forums revealed others having similar problems. I tried their fixes, including entering my name as " Gift Card '' to no avail. The terms clearly state that it will work anywhere visa debit cards are accepted and this is not true.
Product: Checking or savings account

I recently opened a virtual checking account with Chime so that way I could receive my direct deposits in a more timely or convenient manner. Yet, any deposit attempted to be made into my account has failed to find its way there even though Ive verified multiple ends that everyone has done what they were supposed to on their part except for Chime. I took into consideration that yesterday was a banking holiday but that did not explain or justify what happened to my money. Whenever I try and contact support, Im met with an automated voice that circles me around my own situation rather than connecting me to a live person to discuss the funds that were earned by another live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, CREDIT ACCEPTANCE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. CREDIT ACCEPTANCE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Debt collection

I have been paying credit card through XXXX every month for many months on a XXXX dollars credit line. They have always taken payment from bank account. All of the deductions stopped. I couldn't reach anyone at XXXX to find out why. They ran my account way up to {$930.00} then apparently wrote it off. Sold it to MIDLAND CREDIT who is harassing me every day. They even are using XXXX legal notifications to scare me. Every day another phone number tactic. My wife going through XXXX treatments which is consuming to me. They continue to harass me every day and for a much higher amount. Their buying debt from creditors that stopped collecting from me then no way to resolve a XXXX total credit line. This is hurting my credit while all my other creditors remain in great status. I am disputing this amount of claim and, the daily harassing of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX Account # XXXX ( XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I never did ask for anything related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Someone misused my info and XXXX credit bureaus know better than sharing my information with anyone! 

Another, I don't know where the heck amount of {$37000.00} is from. I dont owe this amount at all! XXXX XXXX XXXX has misused my credit record without mynpermission. Againz it is same thing with Equifax that keeps ruining my credit record. It is full of racists.

Another, why wouls XXXX XXXX used my credit report?! I did not ask for anything from this company or on something! 

Another, XXXX XXXX  is correct. I did hope to trade in their truck from XXXX XXXX XXXX truck. 

Another, XXXX  is corrected. I did want a travel trailer. Denied for no reasons! Again, XXXX credit bureaus have NOT USED MY APT OR ULTITIES INFORMATION TO CHANGE MY CREDIT RECORD. THEY ARE BAD AND EVIL BUREAUS AND WE SHLD SHUT DOWN THEIR BUREAUS. 

I have not applied for anything from XXXX XXXX XXXX! I dont have the XXXX debt of {$38000.00}. 

XXXX credit bureaus also did not know my student loan was partly waived. Then the debt of student loan is incorrect!
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought I was signing up ( log on ID ) for a free online credit score, and that providing my credit card number was just a requirement for them to access my credit. Nowhere on the sign up page did it mention a {$24.00} recurring charge. In fact, I clicked on the button that said free report, not the premium service. 

I checked my bank account this morning and there was a charge. I canceled it immediately, and tried to have the initial charge reversed by calling them, but I was put on hold for an inordinate amount of time. 

This feels like a deceptive practice. In no way shape or form would I have agreed to a $ XXXX/month charge for this service.
Product: Bank account or service

Toward the end of XXXX XXXX my father died. He had XXXX bank accounts at Bank of America. XXXX of those accounts were simply in his name, XXXX was in the name of the XXXX XXXX. Beginning in XXXX, XXXX I went into the bank with all necessary ( which I believed necessary, as I had already dealt satisfactorily with XXXX XXXX Bank -- where my father had XXXX accounts ) documents, such as death certificate, the Trust document proving I was the only heir and Successor Trustee all my ID ( and may I state my husband and I have considerable funds deposited in B of A. ) Starting in XXXX, I was made to come in XXXX separate times ( and the result is still in question ) to settle this matter!! Each time the bank manager went to the back, supposedly faxed all necessary paperwork to their Trust Division ( which happens to be back XXXX ) and said " It 's all done, just wait for the check in the mail. '' Within XXXX3 weeks I would then receive a letter from the Trust division stating they still needed paperwork. Not only was I getting upset, the bank manager was also -- stating this never happened before. Although I am not in need of the monies, I began thinking of people who may actually need funds soon after a death -- to pay for funeral expenses, maintain a house that existed in the will, etc. I began thinking the B of A. seems to be unnecessarily stalling people from getting what is legally theirs. It has been over three months!! and I still have n't seen final resolution.