23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX
Product: Credit card

USAA FCB locked me out of all my accounts with them due some perceived fraud activity on my credit card. They had me verify the credit card transactions I made on my credit card via text message. Despite verifying my credit card charges were not fraud, USAA Fraud and credit has issued a complete account lock ON ALL my accounts, including my checking accounts, home and auto insurance, credit card and college savings accounts that were not affected by the fraud alert. USAA is refusing to provide me with any way to resolve this issue after more than 1 week and several calls to try to figure out whats going on. I cant log in to my accounts through the USAA mobile app, or on my computer and I cant even get access to my balances by phone because they have locked me out of everything... for No reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00} and XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date DC XX/XX/XXXX
Product: Vehicle loan or lease

I was in a XXXX XXXX in XX/XX/2017, which resulted in XXXX XXXX and XXXX XXXX XXXX. I have been making payments on this loan since, however this month I changed bank accounts and went to enter the new bank account number. I believe I may have entered the bank account number incorrectly due to my XXXX XXXX. I am asking that you do not mark me as late on my credit report for my one mistake. I am unable to work due to my health issues, and have a hard time making payments as it is, but I try very hard to make sure they are at least in before they would be considered 30 days late. I was unable to get help through the several emails I have sent, so this was my last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I started a loan modification on  XXXX  which is 3 months prior to when I was told to commence my loan mod for my HELOC loan that was coming due with SLS on  XXXX .   I have been working diligently with SLS to complete this loan mod. Its now been 7 months.   My credit was always  XXXX  all my life. Because of the grossly laps in time that is takes to complete this process  my credit score a s of  XXXX  is now  XXXX .   It is SLS protocol that SLS will not accept nor allow me to continue to make my monthly mortgage payment to  SLS  during the Mod process because the loan matured on  XXXX .   I find is extremely unfair, unjust and outright damaging to me that all my life I have significantly made my credit of importance to me and now in a matter of 7 months my credit is destroyed because I am not allowed to continue to make the monthly payments like I have in the past not missing one payment and by the way I am financially able to make the payments.   SLS should NOT be reporting to the credit agencies during the loan mod processing time it takes to finalize this mod process and damaging my credit for absolute no reason at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated my right to privacy by not notifying me before information is published on my credit report 15 U.S. Code 6801 - Protection of nonpublic personal information ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

This unauthorized information has caused me many inconveniences 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was not given the opportunity to before time this information was just published 15 U.S. Code 1681- Congressional findings and statement of purpose 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This agency assumed this role with out my consent and are not respecting my privacy
Product: Credit card

We paid off our Citi Bank XXXX in XXXX XXXX and over paid the account by {$600.00}. On XXXX XXXX we requested a refund for which we where told by Citibank that they would mail out a refund check for {$600.00} to arrive within XXXX business days. We did not receive a check so on XXXX XXXX we again requested the due refund and gave our checking account routing & account numbers for a direct deposit. AS of today XXXX XXXX, XXXX we still have not received a refund from Citibank. We recontacted today XXXX XXXX, XXXX and again requested our refund. Citibank account manager XXXX advised that she has opened an investigation into the matter. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have a car loan in my report more than XXXX years this is illegal
Product: Consumer Loan

I recently applied for a loan online from Lending Tree/XXXX XXXX and was pre-approved, and then proceeded to complete my application by phone. I was told over the phone that the loan had been finally approved at the rates I was quoted online, but was then transferred ( by phone ) to a local branch to make an appointment to sign the paperwork. That phone representative then quoted me a rate more than twice the original amount and tried to sell me an auto loan instead. 

This is a classic bait-and-switch scheme. They may have fine-print disclosures in the Terms and Conditions, but they should not be allowed to misrepresent the product to the consumer in this manner, which is misleading and false. They prey upon desperate consumers who need funds on an urgent basis and wear them down by keeping them on the phone for a long time, ultimately persuading them to accept a product for which the consumer pays a drastically higher rate, if they agree. 

They transferred me several times, and finally connected me to some kind of financial institution called XXXX XXXX XXXX at XXXX XXXX XXXX. in XXXX XXXX, NJ, XXXX. 

This is truly a horrifying scheme.
Product: Credit reporting or other personal consumer reports

I checked my XXXX credit report and notice a collection from i.c. system inc for the amount of {$250.00} that I didn't authorize. I filed a complaint before and it was removed from my XXXX credit report, but now it have been added to my XXXX credit report I am not liable for this debt with XXXX XXXX. I do not have a contract with I.C. SYSTEM, INC they did not provide me with the original contract as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One credit card services is reporting to all 3 credit agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and Capital One. I never guaranteed the debt or made the charges on the statement. Capital One refuses to admit the business is closed and wants to damage my credit score.  Debt collection agency realizes the charges are not mine and refuses to collect the debt. Capital One ignores all phone calls period.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

( DISPUTE CODE - XXXX  ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in XXXX since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XX/XX/XXXX-TransUnion 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 XX/XX/XXXX-TransUnion XXXX XXXX XX/XX/XXXX-TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy and it was discharged but for some reason XXXX  XXXX account is still open. It should be included in bankruptcy. Tried to dispute account but having issues
Product: Mortgage

My dad, myself, and my daughter bought a house on a VA loan. My dad passed away. Wells Fargo would not take payments from until I was proven the successor, which I was. They then denied us reinstate, because of not enough income even though we made as much as my was when the home was bought, I finally found the XXXX Mortgage relief program and put in an application which was denied due to being over the cap .Wells Fargo excepted XXXX dollars from to bring it below low the cap but now will not give the California mortgage refile program time to review the changes and bring the loan current
Product: Mortgage

In XX/XX/XXXX before my husband death had refinanced without me signing the note or the mortgage. In XX/XX/XXXX JP Morgan Chase foreclosed on my home. I paid about 75-80 % of the loan when JP Morgan said I defaulted on the loan. Doing a sheriffs sale JP Morgan was the only bidder and bought the note, and added court and other fees to the amount owed. I did not receive any money from the equity I paid in my home. The judge XXXX from the district court of XXXX county in XXXX Kansas. I believe XXXX colluded with JP Morgan Chase to steal the equity in my home, and give me nothing. XXXX stated in a motion that there was a conformation of sale and that all parties were satisfied. There never was a conformation of sale and then JP Morgan Chase assigned my title to XXXX, and the XXXX to filed eviction notice, and gave me 6 days to move out. While out of my home I got a motion in the mail of relief of stay. I had filed bankruptcy in XX/XX/XXXX, and XXXX filed the motion to ask the federal bankruptcy court to allow them to immediate evict me from my home, to sale, and depose all my furnishing. 
I believe JP Morgan Chase fraudulently used my signature from the first loan my husband and I signed when we first bought the this home. I believe JP Morgan Chase did not own the mortgage to my home, and I believe JP Morgan Chase committed racketeering, fraud, and stole the equity in my home. I am currently waiting eviction again. I want JP Morgan Chase investigated. Bankruptcy case Number XXXX, and Foreclosure case number XXXX both court are in XXXX Kansas.
Product: Credit card

XXXX Primary email address received notification that a new line of credit had been opened on XXXX XXXX  account without my knowledge or authorization. 

XXXX Primary email address received notification that a new line of credit ending in XXXX had been made on Wells Fargo account without my knowledge or authorization. 

XXXX Secondary email address received notification that a new line of credit with XXXX ending in XXXX had been made opened without my knowledge or authorization. 

XXXX Primary email address received notification that a new line of credit ending in XXXX with XXXX XXXX  had been made on my XXXX  account without my knowledge or authorization. 

XXXX-present Additional account created and transactions trying to finalize without my authorization or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$920.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Product: Mortgage

We purchased our house in XX/XX/XXXX. We have been using United wholesale mortgage for that purchase. Since that time they have not been able to correctly process any of our mortgage payments. Originally we tried paying our mortgage by monthly so that we could have the advantage of having a 13th payment each year. Instead of 12 traditional months. However the company could not process by monthly payments. Every month they would tell us that we had defaulted every month they would send us collection letters even though we were paying before our payment date and paying every two weeks. So back in in XX/XX/XXXX we switched back to full mortgage payments hoping it would alleviate the problem. We just received another letter saying we are again in default and that they have not been able to apply our last two full months payments. XXXX bank has records that we make our payments on time electronically every month. However it appears that United wholesale mortgage can not account properly for monies received. Furthermore we do not trust that we are getting the credit towards our actual loan amount that we deserve for all the extra payments we have been making. there are countless reversals in our account and a third account named unapplied funds which our payments somehow kept getting put into. We would appreciate any help in trying to remedy this issue as we do not trust this mortgage company and we do not know how to have them audited to ensure that they are applying the funds that we pay on time every month to our mortgage. We have never missed a payment. In fact we should be at least one month ahead.
Product: Credit card or prepaid card

After suffering job loss and illness during COVID-19 and being late on an account, I was offered by the creditor directly on XX/XX/XXXX to " get up to date '' for the amount of {$100.00}. For this payment, I was promised to be moved back to " paid as agreed '' and the creditor would update my credit report so I would receive no more late marks. Additionally, I would receive no more late fees applied to the account and be given an amount to fully pay off the account once the payment processed. When this offer was made, it was made by the creditor directly, not a third-party. 

I asked if I could just pay the account in full but was told that it was better to pay the minimal amount, have the late fees adjusted and then be supplied an updated pay-off amount either via mail or phone-call, most likely phone call within a week of the payment processing. I processed the payment immediately on XX/XX/XXXX via phone during that conversation. 

Through XXXX and into XXXX, I was not contacted, I continued to accrue late fees and was not marked " paying as agreed '' on my credit report. 

On XX/XX/XXXX I finally made contact with a customer service representative who said that the notes on my account were a mess and the situation was entirely mishandled but promised to make it right. I submitted a payment to him that day of {$350.00} to get everything up to date. However, late notices continued to be reported to the credit bureaus and the previous ones were never corrected. 

I think this situation was mostly about an agent getting a quick payment to make her draw by offering empty promises. 

The card is now paid off and closed and I have requested a full review of the account and corrections to my credit report several times, for which I have received no response in return except for a generic denial with no consideration of context. 

Upon my last request, the creditor did finally update my credit report simply with the notation : " customer disputed, disagrees ''. 

I'm attaching all correspondence to this complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I requested a security freeze online. There is NOT one. According to the law, once a request is received online or by secure electronic means, the consumer reporting agency shall honor the request one business day after the request. 

I provided all documentation to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00}.
Product: Credit card or prepaid card

Discover Financial Services Account Opened XXXX High Balance carried from XXXX Minimum Payments met full balance on card paid off on XXXX automated system reduced credit on XXXX from XXXX to XXXX in accordance with CFPB and FTC law no alert was given to myself ( customer ) in any form when action was taken. 

it is also suspect that no automated credit adjustment was taken within the previous years of XXXX until full balance was paid off.
Product: Mortgage

A bill payment for the next due XX/XX/XXXX was sent. The payment was refused by SLS Servicing. Notification was provided by the personal checking account that SLS returned the payment due to refusal. 
The loan was current. The payment was sent to the correct address. 
I have proof that we were impacted by XXXX  and had to get there XXXX XXXX XXXX during XX/XX/XXXX. There is long term impact. This said, the payment was still sent in XX/XX/XXXX and received by them XX/XX/XXXX and it was to be applied for XX/XX/XXXX. 
There has never been a payment returned for non sufficient funds. 
It is their goal to Foreclosure on the property, generate additional fees and charge to make payments via their payment vendor.