23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( XXXX ) ( a ) ( XXXX ) ( d ) ( XXXX ) ( b ) ( iii ) ( XXXX ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my XXXX time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Mortgage

I am currently in the process of buying a home as a co-borrower. I am experiencing issues with my XXXX XXXX credit report. When my credit is pulled by a PenFed, there is an alert that comes up to verify my information. The phone number that comes up, does not belong to me, I was a victim of identity theft as a minor and disclaimers and phone numbers were added to my account by my guardian. I have clarified this with PenFed. The number that was provided to XXXX  does not belong to me. I have also reached out to XXXX XXXX several times who have told me that no such number is associated with my account, and that they will remove all comments and alerts so that PenFed can process the request. PenFed has attempted to process my credit multiple times, and this number continues to show up. I received a letter from PenFed saying that if I dont resolve this issue, my loan will be denied. I have reached out to XXXX XXXX multiple times, and they have assured me that there is no issue on their end, and that this is a PenFed issue. PenFed is telling me there is nothing they can do and I need to take care of it myself. I am stuck in the middle between two companies who are unwilling to help me and it seems that I am going to lose a home in the process because of a computer glitch.
Product: Debt collection

They have been calling my work and I have asked them to stop and they wont
Product: Student loan

I have been placed on administrative forbearance outside of my choice. However I am paid up for the next 8 months. My PSLF will not count as I will be in forbearance against my will. I requested removal within 3 hours of notification and was told I have 2 months to wait. This is the inappropriate in the highest form, this is intentional abuse of power.
Product: Payday loan, title loan, or personal loan

Upon reviewing my XXXX credit report XX/XX/2018, with attorney it was pointed out that CashCall is knowingly and intentionally reporting false information which is in Violation of the Fair Credit Reporting Act. CashCall indicates that the closed account on my report was sold/transferred to a company ; XXXX XXXX c/o XXXX XXXX. I called CashCall and their office confirmed and provided me the telephone number and address ( XXXX XXXX c/o XXXX XXXX telephone # XXXX address XXXX XXXX XXXXXXXX XXXX XXXX, NY. ). I called XXXX XXXX c/o XXXX XXXX they searched their records for 30 minutes while I was on-hold, using my social security number, DOB, address, and telephone number, they found no evidence of ever having the account and indicated they do not service and never have serviced personal loans, payday loans, as that their business serviced other business and collection platforms. CashCall continues its Predatory Lending behaviors and is in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I applied for an apartment with a rental company named XXXX XXXX and upon checking my background I was denied the apartment due to XXXX XXXX  History that is incorrect and is being reported to the company by XXXX which in return uses information thats being reported to them from Equifax. Equifax is also reporting an address on my file that Ive never been associated with before. The social security number that is attached to the criminal background is different from mines. I would like this negative information removed from my background immediately. Its a hindrance that is not allowing me to move forward in my future endeavors and currently as well. I have provided a copy of my drivers license to confirm who I am and what they have on file is different from mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX XXXX the following instutions : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX have voilated my rights by adding unwanted inquires to my consumer report. 15 U.S.C. 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In addition, 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can't XXXX Was Notified that they are not reporting to Equifax four months ago and still not reporting and reporting the wrong payment on account
Product: Checking or savings account

I opened an etrade XXXX  savings account in XXXX and funded it {$5000.00}. A few weeks later I logged in and saw the account was restricted so I called and was told to send in a copy of my passport and social security card, which I did. My account is still restricted and I don't have access to my funds. I'm now on my fourth call to Etrade concerning this issue, so far I've waited 31 minutes and haven't reached an agent. I have no desire to maintain a banking relationship with a firm that treats their consumers in such a way.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00}
Product: Debt collection

I am filing a complaint regarding my experiences with TrueAccord, a debt collection agency that has reported XXXX alleged debts on my credit report, associated with the following account numbers : Account Number : XXXX Account Number : XXXX I have disputed these debts, as I do not acknowledge any obligation to pay them due to the absence of an original contract or agreement with TrueAccord. I have requested validation of these debts under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing 15 U.S.C. 1692g. However, I have not received any documentation proving the legitimacy of these debts, including : 1. A copy of the original contract or agreement with the original creditor.

2. A det

ailed statement outlining the amounts owed, including any interest or fees. 3. Proof that TrueAccord has the legal right to collect on these debts. Additionally, I have requested that TrueAccord re
move any entries regarding these accounts from my credit report, as reporting this debt without proper validation violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ).

Despite these requests, I have continued to receive communications from TrueAccord, which I find to be harassment. I am concerned about the impact these unresolved issues may have on my credit score and overall financial health.

I would like to request your assistance in addressing this matter and ensuring that my rights as a consumer are protected. 


I am providing these documents to verify my identity, not to acknowledge or validate the alleged debt.
Product: Credit card or prepaid card

Billed XX/XX/2022 XXXX XXXX XXXX FL {$180.00} Reported as fraud XX/XX/2022 closed account, issued new acct number and cards Received Update XX/XX/2022 that I am responsible and that the fraud investigation was closed. Re : " You received benefit from this transaction ''. Since, I have called multiple times, spending a total of XXXX  hours on the phone, with several agents and supervisors requesting information about this charge. We don't recognize XXXX XXXX  and ask who this is and what are the charges for? No one knows. They " Google '' it. They/we have called EIGHT different phone numbers attempting to assist, all to no avail. I'm getting nowhere, and are insisting that the charges are due because " the charges were made with a chip card that was used in a reader and the card was physically there and other legit charges were made after that one and the fraud wasn't reported until I received my statement. '' We are perplexed that chase doesn't know who this merchant is or have contact information for it, as obviously someone is being PAID!
Product: Credit card or prepaid card

On XX/XX/XXXX I logged into my online account for my credit card with USAA. 

I clicked on a promotional offer for 0 % interest on a balance transfer. The offer was ending on that day, XX/XX/XXXX. 

I followed the steps and completed the balance transfer. 

The balance transfer went through but I did not receive the promotional rate. When I called USAA, I was told that the money did not post to the USAA account until a few days later thus missing the deadline. 

USAA does have the disclaimer that the deadline for money posting is XX/XX/XXXX but as an electronic offer, I feel that it was misleading to even still have the offer live on my account on XX/XX/XXXX if it was already going to automatically miss the deadline. If anything, when I clicked on it they could have easily given me a message to inform me that the transfer could take more than one day and would thus miss the offer. I received no notification of this and feel that I was duped into taking an offer that was really already null and void. USAA should have disabled the link earlier to reflect the true deadline for this offer. They could have also informed me in some other fashion that although my balance transfer was conducted through that link, it actually did not qualify for the promotional rate.
Product: Debt collection

from XX/XX/14 i had a XXXXXXXX XXXX and XXXX from there i was unable to work and lost everything. There are multiple accounts from this day forward basically all medical with XXXX The hospitals took care of my bills through community care and charity as I was sick multiple times after. I do not have the funds to pay these amounts and would ask that they be reconsidered or removed based on financial status, sickness and inability to pay.
Product: Credit card or prepaid card

I have many promotions on my XXXX XXXX XXXX, they are zero percent for 6 months or 1 year. I keep up with all of my promotions on a spreadsheet. I know exactly when they need to be paid and have never missed one. Every month on my statement I am charged interest even though I make sure I pay more then what is due on my regular purchases. Example, last month my purchases were {$120.00} so I paid that amount and an extra {$20.00} to go towards my promotions that are not due until XX/XX/18. I still got charged interest because they did not apply the payment to my purchases first. Every month they apply my payments to the promotions which aren't due at that time and charge me interest on my purchases. This is XX/XX/XXXX and they are applying my money to my 0 % promotion that isn't due for 3 months. If I did not examine my statements I would never pick up on this. When I call they credit the interest and I am told that I have to call every month to tell them how I would like my payment applied. This does not seem fair. I, as I am sure everyone, would like to have the promotion be a promotion and not pay interest on my purchases. I feel that this is a scam and I can imagine that plenty of people are paying this interest and not calling every month. Please Help!!!! Thank You.
Product: Debt collection

Last year when I checked my credit report I saw this company on my credit report. When I called them to see what his debt was about. They were unable to advise me of what the debt was about and could not or would not provide verification of what the debt was. I have asked this company of verification and have still not been provided any yet.
Product: Credit card or prepaid card

Sent a preapproved offer in mail for credit card offer so applied at capital one venture site. Reservation code XXXX access XXXX I have perfect credit yet was denied for unknown reason Why would they solicit me an offer if not eligible for bonus points, bad marketing practices, I would like my hard pull reversed
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Since completion of my XXXX XXXXXXXX Bankruptcy ( ended XX/XX/2022 ), XXXX / XXXX XXXX has done the following : Inaccurate credit reporting. 
Credit Reporting Errors. 
Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 

I have attached a current copy of my XXXX XXXXXXXX XXXX  statement which is not being reported
Product: Mortgage

I refinanced my home loan in XXXX. Dovenmuehle Mortgage Inc. at that time was assigned to service the loan by my bank, including escrow account dispersion. 
I am XXXX XXXX and rely on property tax payments as an income tax deduction every year. 
I've discovered recently that Dovenmuehle Mortgage failed to make full payment of my property tax for XX/XX/XXXX. They instead made two installments. One half was made XX/XX/XXXX and the other XX/XX/XXXX. Furthermore, for XXXX, they completely failed to pay property tax by the deadline set by XXXXhe county where I reside. I had to contact Dovenmuehle to make the property tax payment from my escrow account for XXXX which included late fees and penalties. The funds were in my account. I make payments to my escrow account each month and it has always been in good standing. 
So for two years since the onset of my new mortgage account, Dovenmuehle has mishandled the escrow funds. For the most recent of XXXX property tax, I contacted Dovenmuehle and was told that they paid the bill according to the county tax bill two pay option and refused to pay it any differently. I asked for escalation to discuss with a supervisor who told me the same. After repeatedly stating that their payment method was unacceptable to me, the supervisor finally offered to allow me to handle my own escrow account for property taxes. This was never before offered as an option and took a lot of time and effort on my part to get that option offered to me. Of course I accepted that option and am now awaiting paperwork to transfer the escrow account from Dovenmuehle to me. 
I discussed this situation with my accountant who was appalled that a mortgage service agent would conduct business in this manner. He referred to their method as " holding my money hostage ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask NMAC ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that these 2 unauthorized inquiries that are associated with NMAC ( Nissan Motor Acceptance Corporation ) are still currently reporting on my XXXX credit file. Moreover, on XX/XX/XXXX, NMAC has sent me a written letter in which they responded to my CFPB complaint. This NMAC letter, which is also uploaded into this CFPB complaint file, has shown that NMAC is unwilling to take the appropriate actions that are necessary to promptly resolve my recent CFPB complaint. This letter has also shown that NMAC has ultimately decided to NOT take any responsibility for their improper actions and has therefore chosen to dishonestly place the blame on an " unknown '' or " phantom '' Nissan dealership yet my credit report clearly shows that this NMAC organization is the " only '' agency that is fraudulently reporting 2 inquiries on my credit file which are on the 2 dates of  XX/XX/XXXX and XX/XX/XXXX. Ultimately, an uploaded copy of my XXXX credit report will corroborate this fact and it will also show that NMAC is " complicit '' in their corrupt and unlawful tampering of my credit report.
Product: Credit card or prepaid card

My husband and I have joint finances and have for 13 years. All financial accounts are in both our names. I wanted to apply for an American Express Platinum card, and when I did, I was offered XXXX membership rewards points. When my husband completed the same application, he was offered XXXX membership rewards points. When I called American Express, they refused to provide an answer as to why he was receiving better financial terms than I was, but insisted it wasn't sexism, and we overtly hostile to me when I suggested that it was. Opening the card in my husband 's name doesn't work, because certain benefits are unique to the cardholder, such as gold status at hotels, and I travel for work and he does not. For me to even be an authorized user that gets those benefits is another {$170.00} a year. 
This is unacceptable behavior, in which they will be able to claim their is some other made up reason for treating us differently, when the only difference between us as far as our finances is our gender.
Product: Credit card or prepaid card

This past week, I received a new card from Discover, giving me until XX/XX/XXXX to activate. On XX/XX/XXXX, I received an email stating that my account was closed. I called Discover. They told me that I had requested the new card last month ( which is not true ) and that on XX/XX/XXXX, they did a review on my account, and decided to close the account due to inactivity. My history shows that I made a payment on XXXX of this year. It was not inactive. It is unfair that Discover shut down a credit card as this will adversely impact my credit, which is something that is not helpful during a pandemic.