23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX repossessed my car. The company is reporting incorrect and inaccurate account information to all three credit bureau. I never received a letter stating the company was coming to get the vehicle. I was only late 30 days before XXXX repo the car. On my credit report it shows that the car was repossessed in XXXX which is not true I was in the hospital with XXXX at the end of XX/XX/2021 my car was already gone. My car was repossessed on XX/XX/2021 for being 30 days late. 

the are reporting XXXX different account number for the car loan. XXXX account shows the repo and the other account shows the balance after the car was sold. 

account number ending w XXXX is showing {$1800.00} account number ending w XXXX is showing {$17.00} and is saying unsecured for a car auto. This is inaccurate both account number belong to the car loan.
Product: Debt collection

I am writing to dispute certain information on my credit report related to the account with the following details : XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$73000.00} XXXX. XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance : {$700000.00} XXXX. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00} I want to bring to your attention that the inaccurate reporting stems from the bank 's inability to send me the proper statements. I have communicated this issue with the bank, and they have acknowledged the problem and agreed to correct it. I am requesting that the status of this account be updated to reflect one of the following : " Open/Never Late '' if the account is still active and has never been late. 
" Closed/Paid as Agreed '' if the account has been paid in full and was always paid on time. I believe that the current reporting does not accurately reflect my credit history with this creditor. 
As per our records and the acknowledgment from the bank, there should be no late payments associated with this account.
Product: Mortgage

My payment for my mortgage has went up by {$300.00}. Due to escrow analysis. I'm struggling now and don't know if I can pay the extra. I dont understand why I need to pay XXXX in full or pay XXXX more for new payment. My taxes have only went up by XXXX. So why would it be this much more?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

I received a trial modification agreement where the taxes and hazard insurance for escrow is incorrect. The correct amount for the annual hazard insurance, the monthly escrow is {$100.00} and the annual property tax, the monthly escrow is {$180.00}. I asked Penny Mac to correct the monthly escrow amount to reflect the correct amount which will lower my monthly mortgage payment. They want me to sign the modification documents on an agreement that is not correct and if I sign that is agreeing to an incorrect escrow payment. 


Hazard Insurance annual premium {$1200.00} divided by 12 equals {$100.00} XXXX XXXX XXXX County Trustee {$2200.00} divided by 12 equals {$180.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, incorporation ) due to inadequate customer service, and unfair practices which violates the consumer financial protection act ( XXXX ). Specifically cash app failed to take timely and effective measures to prevent fraud on their platform leaving My Account vulnerable and unprotected. Furthermore, their dispute department was unfair and a deceptive as they did not comply with error resolution requirement under the Electronic funds transfer act ( efta ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX {$800.00} XXXX  XXXX XXXX {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My original Experian incident # is XXXX which was opened on XX/XX/2022. On XX/XX/XXXX I called to request an update on this case and I was told that my original ticket was closed the same day as it was opened, with no changes made. I therefore ordered a new ticket # XXXX with priority escalation to IT support, and a specific notation added that the new ticket can not be closed without my express consent. As documented in both formal complaints above, the Experian credit freeze web login portal is stuck on the 'accept our updated terms and conditions ' page which I am unable to move beyond, even after I have viewed/downloaded all attachments. This issue has been replicated in XXXX XXXX and XXXX XXXX, on multiple PC devices. Thus, this can not be a PC or browser issue. Experian needs to fix their system to allow me to log in and work with my credit reports/freezes as needed. Phone-only access is not sufficient for my needs. The personnel assigned to the original ticket also need to be disciplined for their incompetence and lack of professionalism, with consequences up to and including termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the rights to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my wriiten instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I opened a Sam 's Club Mastercard. The card was issued by Synchrony Bank and it is financed by Synchrony Financial. On XX/XX/2021 I received an email notifying me that I have a {$25.00} statement and payment is due XX/XX/2021. A week later, I received the statement in the mail. This statement that I received is a deceptive form and this alleged debt that they say I owe is false. I, as a consumer, do not owe any debt. The alleged debt is in a positive balance. I can not pay something on a positive balance. It is also deceptive because they are saying I have to send payment to them when in fact they are suppose to send payment to me. I am the original creditor and I am the one who originally extended credit to Synchrony Bank. Pursuant to federal law, I am not suppose to be making any payments to them. I have notified Synchrony Bank of this through certified mail and green return receipt ( I don't believe I will receive the green return receipt because the documents were sent to a po box ). I sent them an Affidavit of Truth along with the exhibits of individual actions that they have committed towards me. After I received that statement I still continued to use the card and I have not made any payments to Synchrony Bank. They have added on a interest fee and a late fee to the total outstanding balance.
Product: Money transfer, virtual currency, or money service

I withdrew {$200.00} from CashApp from a XXXX ATM and was charged {$5.00}. I would like to be reimbursed for the {$5.00} fee. On XX/XX/XXXX, at XXXX, I withdrew {$200.00} and was charged {$5.00} in ATM fees. I was charged {$2.00} from CashApp and {$3.00} from the ATM. I was charged {$5.00} for a total of {$200.00}. 

According to ATM Fees On Cash Card, cash cards work at any ATM, with just a {$2.00} fee charge from by Cash App. Most ATMs will charge an additional fee for using a card that belongs to a different bank. You can get all these fees reimbursed by receiving direct deposits to your Cash app. 

I used a XXXX ATM to make a {$200.00} withdraw. I was informed by a Cash App representative that as long as I use a XXXX ATM machine with the Money I wouldnt be charged any fees to withdraw funds. I also was informed that if I received direct deposit to my cash app I also wouldnt be charged any ATM fees. 



Kind regards, XXXX XXXX
Product: Vehicle loan or lease

The loan amount account was closed. I called them right after I filed chapter XXXX to tell them that this car loan was not included in the chapter XXXX. I was told that Citizens Bank would hold the loan open and keep tacking the payments from my checking account every month as agreed. It has been reported to all credit agencys that Citizens Bank has closed my loan with out any notice to me or the Bankruptcy Court. Be on notice that my attorney will deal w/them by XX/XX/2019. XXXX  XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited enough monetize in my checking account to pay my rent. I even deposited extra suite to the over draft dwss the bank keeps charging me. I also locked my debit card just to make sure. When it came time to pay the bill, the bank sent it back, which caused an nsf fee from the bank and a returned check fee from the rental company. I received a notice at XXXX am that morning, hornet I was able to have the bank wrote a certified check for the amount I needed to pay my rent. This is the XXXX time that this had happened. The XXXX time I was evicted from my house and had to move into an apartment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a student loan from my credit report associated with account number [ Account Number ]. According to my records, this loan has been verified as closed, and I believe it should be removed from my credit report to reflect accurate information.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ), negative information that is accurately reported must be removed after seven years from the date of the first delinquency. However, since this student loan has been verified as closed, it should not be impacting my credit profile any longer.

The presence of this account, despite its closed status, is misleading and could adversely affect my creditworthiness. Therefore, I kindly urge the CFPB to take appropriate action to ensure that this account is removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and equifax and they have not corrected a collection account that does not belong to me. I dont have money to subscribe to their membership. I already pay for XXXX with XXXX. XXXX opened a fraudulent account and has not been able to prove its legitimacy. XXXX and equifax need to remove this collection account under identity theft rights. These companies do not show a security freeze for identity theft despite my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$140000.00} / XX/XX/2021
Product: Mortgage

This is my 2nd complaint! There have been Too many escrow shortages with this mortgage! We bought this home XX/XX/14 and there have been a total of 4 shortages, 3 with my current lender. 

I want to delete my escrow account, however my mortgage company is trying to charge me {$980.00} to do so! This is the 4th home I've owned in my life, and never had this happen until now!
Product: Credit reporting, credit repair services, or other personal consumer reports

We submitted payment on XX/XX/XXXX for our mortgage payment. 5 days later the money was still in my bank account so I inquired with the mortgage company and they said they got a generic kickback of the payment from the bank. I then submitted payment on the phone with the representative. She stated that the account would not be marked as delinquent since payment was processing. 
Two days later I am notified by email that I have a late payment. We am going to lose our current home loan as we are in the process of purchasing a new home.

I tried to talk to the lender and resolve issue. They refused to transfer me to any other person. I called three times. I eventually got an address to send a letter overnight.

I asked for an investigation based on the conversation I had with the agent on the phone and I do not know how the process will be resolved with me. The agent told me this happens a lot. This is an unfortunate practice that is going to financially impede a home purchase.
Product: Debt collection

Around mid XXXX of last year, I decided to leave XXXX due to insane amounts on my cellphone bill that resulted in me contacting them almost every time my bill was due. I decided to leave XXXX and go to XXXX. I was leasing a device from XXXX, in which I needed to send back to XXXX. XXXX hit me with {$4000.00} bill and said it was due to not receiving the device. I had to jump through multiple hoops to get someone to see that the device was received. Finally I had a rep that said she received the device and that it was in the warehouse and no one has checked the device in which was a XXXX foldable phone. The XXXX rep told me that it would be 3-5 days to get the account squared away and last I know Im getting a call from a Debt Collection agency in regards to the amount after I was told the account would be handled and that was not the case. I went to the XXXX location today to try to resolve the issue after being told that the issue had been resolved to find out that the debt was not resolved and I have proof that the device was sent back to XXXX but they are still trying to charge Me. I worked with the manager of the store who agreed that these amounts were outrageous and the crime didnt fit the bill, the Debt collection rep that was on the phone then begun to make up what he thinks may be the reason due to him not being able to see the account. The manager and I asked sir are you just making up things and he said yes. I said thats not how this works sir. I have the confirmation email that say that the device was received and the account would be handled. All they said is we will investigate yet I been told this since last year and still they say I need to pay the debt.
Product: Debt collection

Chase Bank filed a 1099 reporting a loss in the amount of {$14000.00} for the year 2022, I did receive any correspondence concerning this debt and I'm not aware of what it is.
Product: Credit card

XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) When withdrawing money from an ATM with XXXX XXXX XXXXn XX/XX/XXXX, the amount was incorrect. ( Requested {$2000.00} but {$570.00} was withdrawn ) I immediately called the ATM company and informed them of the situation. The ATM staff informed me that there was nothing they could do right away, They told me to call the CREDIT CARD ( XXXX XXXX ) company. 
So, I contacted my CREDIT CARD ( XXXX XXXX XXXX XXXX and informed that of the situation, and they said the only way was to DISPUTED later ( after withhdrawal record show up ) So, I requested DISPUTED on XX/XX/XXXX and received a response on XX/XX/XXXX. According to the ATM company 's records, the requested amount was paid accurately and there were no problems. 
The XXXX ATM machine itself was ERROR, so I protested and asked how the record was correct, but the answer did not change I also attached a photo, but STAFF said that I could not even view the attached file. 
They told me there was no other way and told me to call the XXXX ATM company directly to resolve the issue, but they refused because there was no problem with the records. 
I explained the ATM machine defect and the photos taken at the time, but the situation did not change due to the withdrawal record. 
How can I get help?
Product: Mortgage

My spouse and I contacted Quicken Loans for refinancing our current mortgage. We were told that we could only qualify for an FHA loan. They were very pushy about collecting the {$500.00} appraisal fee and warned us that their offer would expire if we didn't pay soon enough. We contacted another lender and were approved for a conventional loan. When we contacted Quicken and told them we were approved with another lender and did not want an FHA loan, they initially said they would review our information and see what could be done. They contacted us again and told us that " no one '' would do a conventional loan because of the small amount ( $ 50K ). The woman LAUGHED at us and said " Well if they ( the other lender ) think they can push this though as a conventional loan, more power to them, but don't be surprised when everything falls apart at the closing. '' We closed with the other lender without any problems. This is predatory lending and pressure tactics, people need to know what Quicken is doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage through Green Tree Servicing and two months ago, I entered in the wrong payment amount and my mortgage payment was short XXXX ( XXXX cents ). Green tree accepted that payment and then I noticed that they attempted to collect my mortgage payment again, for {$1300.00}. The second attempt to collect another mortgage payment did not go through and then I started receiving the phone calls. Green tree called me at least once per day, sometimes two or three times a day demanding full payment ( {$1300.00} ). They threatened everything from reporting me to the credit bureau to raising my rates. They were rude, aggressive and verbally abusive. I asked to speak to a supervisor and was yelled at by the " supervisor '' as well. When I asked to speak to a supervisor, I was told that I had to pay the {$1300.00} first, or that I could not be transferred. Keep in mind that they still had the {$1300.00}. When I told them that I would pay XXXX on the next bill I was told that they " did not accept partial payments ''. I finally found another telephone number and called in only to be sent straight through to the collections department again. This time, they wanted to speak with my bank. I refused to let them, and then they demanded access to my bank statements. Again, I refused. I told them repeatedly that they no longer had permission to call my phone ( cell phone I do not have a home phone ) and that any further correspondence would have to be via mail. This did not stop them. The harassment continued. After XXXX weeks, the calls finally stopped. I paid the extra XXXX on the next bill and I did not have any more trouble until, when this month, I sold the house. 
The closing date was on XX/XX/XXXX. My payment was due on XX/XX/XXXX. I called on Monday, XX/XX/XXXX to make sure the wire transfer went through and, again, was sent straight through to collections and was treated like a criminal and they would not tell me the balance on my escrow account until I made my XX/XX/XXXX payment. Even after explaining to XXXX different employees that the house had closed only Friday, they were rude and kept repeating, " you need to make a payment '', " why do n't you just make a payment '' " i 'm not going to ( transfer you, help you ) until you make a payment ''. 
This company should be closed down for good. I see that they have been fined. This, apparently, did nothing to deter them from illegal collection practices, obviously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX XXXX Opened XX/XX/XXXX XXXX balance {$270.00} High credit is lower than balance, delete for inaccurate reporting.
Product: Credit card

Wells Fargo Credit Card issued me a credit card i believe back in XX/XX/XXXX. I have been using that card recently. I have a XXXX credit limit. Recently I was unable to use the credit card for a purchase and contacted the number on the back of the card. When I spoke to the representative at Wells Fargo Credit Card he said that They extended me credit this past month because I am a valued customer who makes their monthly payment on time and overtime. So because I am a " valued '' customer they gave me more money then my contractual {$5000.00}. they did this without warning me or notifying me what was happening. Now they claim that I have until XX/XX/XXXX to pay the overlimit fee and my monthly payment of {$100.00} This amount comes to {$880.00}. I do not understand why they extended me credit when I did ; t ask for it. I expect that if I go over my limit I am going to be declined at the register. Why was I not declined and or notified and why am I being punished now by having to pay the whole amount back within a month. I do n't care if they think I am a good customer or not, should n't it be my decision if I want more credit? Where are my rights? Am I XXXX by Wells Fargo? Please help! Thanks.
Product: Debt collection

Accounts on credit report. company called me while recovering under XXXX. Accounts were to be paid by the VA, XXXX.