23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Tried for two years to get a mortgage modification from Chase Bank Finally succeede in 2012. But only brought it down to 7 3/4 % Terms were that {$32000.00} would be forgiven each year for three years provided that we paid on time for the entire year. They said that we would be expected to pay taxes on the forgiven amount. No tax forms were ever provided even though I made several requests. Finally this year I declared the XXXX without the form. After XXXX XXXX they told me that the government said that we had to declare all of the {$96000.00} in one year. They said that they will pay to have taxes re done but no interest or penalties. By declareing the money all at once we hit the 30 % tax bracket. It is costing us an additionalo {$15000.00} in taxes. Is there anything that can be done to help us out? We received the modification because our finances were tight after my husband had XXXX and had to quit work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITTING THIS DUE TO NON-COMPLIANCE WITH THE F.C.R.A. BY TRANSUNION, XXXX  AND XXXX. 

THEY ALL HAVE FAILED TO REMOVE TWO TRADELINES FROM MY CREDIT REPORT. THE TWO TRADELINES ARE FIRST XXXX XXXX  AND XXXX XXXX. 

I HAVE SUBMITTED CERTIFIED DOCUMENTS TO PROVE THAT BOTH TRADELINES ARE INACCURATE, INCOMPLETE AND ERROUNIOUS. 

ALL OF MY CORRESPONDENCE WAS SENT VIA CERIFIED MAIL. 

I HAVE ASKED ALL THREE CREDIT REPORTING COMPANIES TO PROVIDE ME WITH 100 % CERTIFIED PROOF THAT BOTH OF THE DATA FURNISHERS WERE COMPLAINT IN WHAT THEY WERE REPORTING ON MY CREDIT REPORT. I ALSO REQUESTED THAT EACH OF THE CREDIT REPORTING COMPANIES ALSO PROVIDE ME WITH PROOF THAT THEY WERE COMPLAINT WITH THE F.C.R.A. AND SPECIFICALLY WITH THE INDUSTRY STANDARDS OF REPORTING ELECTRONICALLY. 

I HAVE NOT RECIEVED ANY RESPONCE FROM ANY OF THE CREDIT REPORTING COMPANIES.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX Santander Consumer USA repossed my car, fraudulently. I did not ever miss 3 payments in a row nor did I miss 3 payments in the 3 years I had/owned the car. Their predatory lending ways would have them call me constantly if I was one day or ever late, they called insistently 24/7. When I requested they stop calling so frequently they said that was like putting them on a cease and decist so they could not reach me. I NEVER EVER KNOWINGLY did that. So when they wouldn't reach out to me one night they came and got my car out of the driveway. With the high interest rate I didn't attempt to get it back and called it even. 

In XXXX, TODAY hey are reporting on my credit report like this just happen in XX/XX/XXXX, which is a lie, which should be fraudulent and I don't know why it is coming up again like it is recent because it is not. I want them to fix it and not keep reporting it like it just happened. It is causing me undue financial hardship.
Product: Debt collection

I was a victim of identity theft and noticed a collection from DIVERSIFIED CONSULTANTS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against DIVERSIFIED CONSULTANTS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the following credit inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXXXXXX XXXX XXXX XXXX XXXX XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Product: Credit reporting or other personal consumer reports

Trying to remove credit inquiries on my credit report that I never seen nor authorized
Product: Debt collection

I checked my Credit Report on XX/XX/21. I noticed National Credit Systems Inc was reporting a claimed debt and reported as of XX/XX/21. 

I mailed a Debt Validation letter requesting them to verify the debt and I have not heard from them since. It is now XX/XX/21. 

They have been reporting this invalidated information to all 3 major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. 

This debt has not been verified to be mine yet they are continuing to report it as such and it is doing harm to my credit.
Product: Debt collection

I have told this company they are attempting to contact the woman who used to have this phone number and to quit calling me and remove the number from their system. They claim the number isnt in their system but continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$160.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in  XXXX   2017 , I contacted Loan Care and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,  2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  Loan Care c ontinues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?
Product: Mortgage

I ( we ) had a mortgage through Bank of America. We filed bankruptcy ( chapter XXXX ) and completed the payment plan. The mortgage was not dischargable as it was a long term debt. I have filed several disputes with the credit reporting agencies, but after " investigating '' the dispute, BOA still lists the debt as discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 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: Credit card or prepaid card

I was offered a balance transfer in XXXX XX/XX/XXXX from citi cards ( XXXX XXXX ). I accepted the offer at {$15000.00} with XXXX interest until XX/XX/XXXX at fee at {$450.00} ( 3 % ). Subsequntly, citi broke the contract by charging me interest XX/XX/XXXX {$100.00} and then XX/XX/XXXX {$40.00}. I informed the bank of mistake. They offered a refund of XXXX It was not acceptable. I borrowed from another card ; XXXX ; made the full repayment of all outstanding balance at XX/XX/XXXX {$13000.00}. The bank only reimbursed me for the wrongly charged interest rate of {$14000.00} but never offered either apology or reimbursment for wrong advertising ; enducing me into the deal ; breaking contractual arrangements or my additional costs. I asked for a refund of {$450.00} fees. It was not given - no explanation from the bank. They made {$450.00} on a 6 - month loan for XXXX - outraougous 6 percent interest - something i would not agree beforehand as i had other attractive means of funding in XX/XX/XXXX. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is inaccurate and incorrect personal information being reported on my credit report, addresses, names and employers that is not mine nor have any association with me. My HOME address is XXXX XXXXXX/XX/XXXX XXXX. There is 9 addresses, 2 Names and 2 Employers being inaccurately and incorrectly being reported.
Product: Checking or savings account

This is the fourth complaint I have made about this exact same matter. Please be more useful this time and do n't stop investigating just because Wells Fargo tells you to. For at least 2 years Wells Fargo has an open checking account in my name ending in XXXX. Wells Fargo opened this account without my permission or knowledge. This account has received thousands of dollars in deposits from a person named XXXX XXXX. Wells Fargo refuses to close the account and refuses to allow me access to the funds deposited. I have visited a branch and told them to remove my email and they put me on the line with someone who tells me that they do n't have my email address and therefore ca n't be sending me emails. They are lying. THE EMAILS ARE INDEED LEGITIMATELY FROM WELLS FARGO. Every email links directly to Wells Fargo 's legitimate website. The payments to the fraudulent account used to come from Wells Fargo XXXX. After XXXX was shut down the payments began coming in from XXXX. I have begged, pleaded and made multiple complaints with Consumer Financial Protection Bureau and Wells Fargo still refuses to close this account. Clearly, they do not respect or fear you. Please resolve this situation by either ( 1 ) forcing them to acknowledge the existence of this account and forcing them to close it, or ( 2 ) forcing them to give me all the funds that were deposited into this account since it 's opening AND then permanently close the account. See the attached emails for the latest batch of notifications I am getting for payments deposited to the fraudulent account. Be advised that over the past 2 years, I have complained about this same account to CFPB and made other emails available to you. The emails in this complaint are just the latest and not the entirety. This morning the account had 2 transactions for {$80.00} each deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX. ) XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, CREDIT XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 have 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) Due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their resolution dispute process was unfair and deceptive, as they did not comply with the error resolution requirements under Electronic Funds Transfer act and Regulation E. These actions have caused significant financial loss. I pursue rightful compensation for these actions violations
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I noticed an account XXXX XXXX account on my consumer report that I did not recognize. Therefore, I disputed the account with Transunion, through the CFPB ( see attached ). According to federal law under FCRA, Section 611 ( a ) ( 8 ), an agency as an obligation to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a notice of dispute. It has been more than 30 days and there has not been any response from the agency nor has there been any deletion. According to federal law this account must be deleted from my consumer report. If deletion is not processed upon receipt of this notice, I will pursue my private right of action under FCRA.
Product: Credit card or prepaid card

Comenity Bank, IKEA credit card, issued rewards to me that are not being honored at IKEA stores. After receiving a {$15.00} reward from Comenity Bank, I attempted to use the coupon at the IKEA store in XXXX, NC. XXXX refused the reward coupon, stating it was invalid. 

I contacted Comenity Bank and asked for a {$15.00} credit on my bill for their mistake. I was refused and told over XXXX reward coupons were not working due to computer problems. 

I feel that Comenity Bank is not upholding the customer user agreement. I want an immediate {$15.00} credit to my account. This reward expires within days. I can not utilize the reward as of this date.
Product: Mortgage

My name is XXXX XXXX and my mortgage was transferred from XXXX to Freedom Mortgage XXXX XXXX of XXXX and somehow the property tax for the XXXX XXXX of XXXX was not paid by Freedom Mortgage. When I came to know about this in XX/XX/XXXX, I faxed the property tax bill ( for a property tax of {$3300.00} which included {$220.00} as interest/penalties if paid in XXXX ) and have been checking at least once in 2 weeks and all I got the response from them is they are working to pay it out. First I was told it will be settled by end of XXXX On reaching Freedom Mortgage over the phone as it was not paid in XXXX, they said it will be settled soon. I got a letter from XXXX County that the property will be put up on sale if the taxes are not paid. Again on reaching Freedom Mortgage over the phone on XX/XX/XXXX, the representative noted, it will be settled on XX/XX/XXXX ( now the property tax with penalty increased to {$3400.00}. {$270.00} as interest/penalty ). To my surprise, the property taxes were not paid on XX/XX/XXXX. I called the XXXX county office and they confirmed that the taxes are still not paid. I called Freedom Mortgage again on XX/XX/XXXX and even talked with a manager of Freedom Mortgage and he noted that it will be settled and I will get a call from Freedom Mortgage. No call received from Freedom Mortgage and I am completely blindsided as what is happening. To ensure I am on the good books of the government, I am planning to go to the XXXX County office and remit the Property Taxes directly on XX/XX/XXXX. 
I feel that I and my family are getting stressed out for something which we should not be worrying and as a customer who has paid all the mortgage payments for the last 5+ years on time, facing such an issue is something which could have been avoided by Freedom Mortgage on time if the correct process were in place for analyzing customer complaints. 

Property Tax bill attached Note : I have given authorization to my husband " XXXX XXXX '' to talk with Freedom Mortgage on my behalf and he has been talking with Freedom Mortgage with regard to paying the property taxes which are due.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been the victim of identity theft resulting from a data breach. As a result, fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$8000.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Vehicle loan or lease

On XXXX XXXX I received a call from Capital One auto finance stating that I had an balance of XXXX remaining on my vehicle and that its due by XXXX XXXX. I stated to him that I'm aware of the balance and I have been sending {$25.00} per month what i can afford considering I dont have a source of income anymore. I explained to due to the pandemic I have lost my main source of income and i will not bee able to satisfy that balance on such short notice. The gentlemen went on to threaten me and aggressive tone an stated pay in full or it will be a negative mark against your credit and it would not be reversed.FYI : I no longer have vehicle in my postion possessions. The insurance company has it. Also since the conversation with the gentlemen he has sent me a past due bill of {$1800.00}. according to the information I read that's sent to me by capital one auto all credit reporting has stopped but now they are sending me this invoice im afraid they may try to report negative on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX : Account # N/A, Account name XXXX XXXX : Account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 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 of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original XXXX XXXX XXXX ) XXXX