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

I have contacted TransUnion regarding several Bankruptcy dismissals that should be deleted on my credit report, but they have refused to honor my request stating in a letter that it is their policy to keep discharged and dismissed Bankruptcies on all credit reports for 7 to 10 years., which is a direct violation of the Fair Credit Reporting Act. Although it is their policy to keep reporting Bankruptcies that are filed/ discharged, the Fair Credit Reporting Act mentions nothing about dismissed Bankruptcies ( section 1681c ). Any case, civil or otherwise, which is dismissed no longer exist in the eyes of the law, so they have no right to maintain information which the Government has deemed nonexistent. I am asking them to send me in writing proof to their claims that Bankruptcies that have been dismissed can not be removed for 7 to 10 years or I will be forced to take legal action. It may be their policy but the law says otherwise, and they must obey it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to illegally report on my credit a debt that they are claiming. They keep changing the account closed dates, the account number, and the amount so they can continue to report it. They have also fabricated a payment in 2016 so the reporting period would start all over. I have disputed this account both with XXXX and with the credit bureaus. They then sold it to a reporting agency and had it reporting to my credit as 3 separate line items. I was able to dispute that due to the similarities. It was at that time that they added a false payment so that they could continue to report this as a bad debt on my credit reports. This debt is passed 7 years and due to their illegal reporting practices it continues to harm my personal credit files as though it is a brand new collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been listed on my report several times, and I have requested information regarding the original agreement and all monthly statements. To date, I have not received any of this information. They show an installment account that was opened in 2019. I did not open an account with this lender in 2019. They do not list the first date of delinquency or any payments made for either of the accounts listed on my report. One shows it was opened XX/XX/year> and the other shows XX/XX/year>. I did not open these accounts. They do not show any payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

i dont know where you keep getting XXXX XXXX XXXX XXXX. I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. I need my report to reflect this address. I haven't looked at this report since 2021. My address was XXXX XXXX XXXX, XXXX tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX-Loan XXXX XXXX- lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX-Loan XXXX XXXX- lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of  that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting

Never lived here:XXXXXXXX XXXX, TX XXXX
Product: Consumer Loan

several times now I have been contacted by XXXX Mail by Lending Club. they say that I am pre approved for a {$20000.00} loan at a great interest rate. I fill out the application and they turn me down based on things found on my credit report. I keep getting this in the mail and I am tired of them promising loans and then turning me down. 
every time I apply they turn me down and this lowers my credit score every time. it is also a big waste of my time. if they say that I am qualified, then they had better give me the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXXt # XXXX, XXXX and XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX, 15 U.S.C. 1681 SECTION 602 SECT A : 4 states I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

notice to principle notice to principle is notice to agent the XXXX XXXX XXXX aren't furnishing and accurate and incorrect information to the consumer reporting agency The recording of subject inaccurate information has caused severe damage to my character or reputation my general mode of living and my ability to optain credit personal and house hold purposes. 
you and your inaccurate reporting have damaged my liveylihood. 15 USC 1681 they also stated that they could not dispute my five derogatory accounts on my credit and they said they do not dispute the ( XXXX ) hard inquiries on my account I have sent countless certified letters so I have reported them to the CFPB the federal trade and the XXXX I would like for monetary compensation since they are a violation due to the fair credit reporting act.
Product: Checking or savings account

Chase bank closed my bank account due to a human error on my check. They immediately closed my bank account and refused to work with me to solve the issue. They have failed to communicate anything on their end. 

I was able to solve the check problem with my employer and open a new bank account. 

But they did freeze the amount I had in my account prior to this check the falsely accused fraudulent.
Product: Mortgage

I filed a complaint here, XXXX, and the company responded and then I find that the complaint status with you is CLOSED without my approval or input. Who exactly are you working for? Me, a resident of California that an out-of-state company is perpetrating fraud upon, or the out-of-state company? 

The company responded with a letter that only discussed XXXX out of the XXXX issues that I complained about : XXXX ) The primary issue that they failed to address is the interest rate increase. If you reference the letter they sent to both you and me, it contains a copy of the HELOC Disclosure Statement. On page XXXX, item XXXX, you'll see the box checked " Fixed Initial Rate, '' which is for XXXX  months. They have increased the rate XXXX  months into the loan or a full XXXX  months early! The excess interest charge remains on the new invoice for XXXX. 

XXXX ) The secondary issue they failed to address is the higher than original loan balance on XXXX of the XXXX loans. I need an accounting of both loans. 

XXXX ) Thirdly, there seems to be movement on the double-charge for escrow ( they admit it ) and while the online account seems to show the reduction and a date for reimbursement, this current paper bill conflicts with it, so for now I am satisfied with this XXXX issue but will have to watch it closely.
Product: Debt collection

Dedt is no mys it fraud also da accts was open in XXXX XXXX XXXX
Product: Debt collection

This collection agency Mandarich Law Group has misrepresented this matter on several levels from statement of being attorney 's, filing a claim fraudulently, garnishing wages on a settled/paid claim. I was first notified of this matter through my employer upon a garnishment notice. Upon receipt I contacted this company who stated they were attorney 's representing their client XXXX XXXX XXXX XXXX, who has acquired a debt from XXXX XXXX. They stated they a case was filed in court and that a judge had granted award. When I spoke with them in regards to the erroneous nature of the claim and that the court filing had been perjured as I had never been served any documentation by XXXX, XXXX XXXX XXXX nor Mandarin Law Group as it pertains to this case or it's validity. When the facts were presented we were offered a settlement, and for the sake of time we countered the offer and agreed upon a settlement as to not increase case load in the Superior court system. The agreed upon amount was paid on XX/XX/XXXX in the amount of {$7400.00}. At that time I requested that ALL garnishments be terminated and refunded, of which I was told that they would provide that information to employer, court and Sherriff civil department. On XX/XX/XXXX I notified the Mandarin Law Group that garnishments were not terminated as agreed upon and this was a breach of agreement. As I have upheld my portion of the agreement. They have misrepresented by claiming to be attorney 's and they are indeed a collection agency, when I requested to speak with the attorney assigned to the case it has never been one available to speak with me or contact me. When I addressed the perjury in this case there was no correspondence. The entire case is based on false claims and from a company ( XXXX ) that has thrived on predatory lending practices of which I plan on pursuing as this case had been paid sometime ago with XXXX.
Product: Debt collection

I put an complaint on XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, this company filed a fraud rental debt on my credit report and sold it to collections IQ Data International who retaliated against me yesterday and knocked my credit score down XXXX more points XX/XX/year> and increased the amount they claim I owe. 
I am protected under Section 1057 against retaliation. I will be putting a complaint on this collections company as well. Please see snips, my score dropped almost XXXX because of these two companies and their fraud debt!
Product: Mortgage

I have been working with Bayview for months now on trying to retrieve a loan modification. When i would call in to check the status of the loan modification, i would receive a response back from XXXX XXXX that they were having issues with the Underwriter reviewing my information. He would advise that although all documents that were requested had been received, that the Underwriter was not reviewing them. He also advised that there had been some system changes which could cause the delay. This went on since XXXX of 2018. On XX/XX/XXXX of 2018, i received a denial letter stating that my account had been denied because i have too much equity in my property. I dont understand how they would allow me to come this far, when my property had equity when i first started the review process with them. I dont find it fair that i dont get the opportunity to save my home because of the equity. I dont have the funds to bring the account current while in foreclosure. I am not requesting any payment reductions, i am simply asking they put what i am behind to the back of the loan so i can begin resuming payments. Please help, i dont want to lose my home.
Product: Student loan

Please refer to the attachment on all payments made to the collection agencies through Navient Student Loan Company. Per speaking with a representative on XX/XX/XXXX and receiving what is known as a " Statement of Purchased Account '' I was informed that my account was charged off with XXXX ) XXXX XXXX Corporate Office Address : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX from XX/XX/XXXX up until XX/XX/XXXX. Then with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX from XX/XX/XXXX up until XX/XX/XXXX. I have also been informed my account is now with a company by the name of XXXX XXXX XXXX contact number XXXX ( Rep that can be spoken with is according to the representative XXXX and the rep that is handling account is XXXX XXXX ) My issue is that XXXX XXXX XXXX is they are unable to communicate to me what my interest on the account was prior to any of these accounts being charged off or what my interest rate was upon making the 1st payment to XXXX XXXX. I will need this matter investigated. My next issue is that I was on what as known as a " Reduced Interest Repayment Plan '' with the two previous collections agencies. Upon speaking to  XXXX XXXX at XXXX XXXX XXXX ( new charge off agency 3rd one now ) he stated that my balance with them if I would like to set up payment arrangements is now XXXX. How this is possible when my balance according to the " Statement of Purchased Account '' from Naviant was {$15000.00} with a 0.01 % interest back in XX/XX/XXXX. I feel as if Naviant has unfair business practices and this matter needs to be further investigated with proper documentation on how my balance is steady jumping up with a Reduced Interest Repayment plan with the 2 prior charge off agencies. In addition I would like a valid explanation to why my loan is continuously being charged off from one collection agency to the next after attempting to make payment arrangements and pay off my debt. It's not fair that it's communicated that one large sum has to be taken as XXXX did back in XX/XX/XXXX for {$270.00} then my interest rate will be close to 0 % to have me set up arrangements then upon paying it's sold off again and the entire process has to start all over. It's not fair that when the process has to start over that I'm looking at approximately 2k in addition to what my original balance was initially.
Product: Credit card

on or around the XXXX of XXXX, I called Citi bank to discuss some return check fees that was accrued to my account. I have XXXX credit cards with Citi bank and for medical reason I lost two weeks of work and I did not have enough funds in my account when the payment came in. to my surprise, the bank keep trying over and over again to get the money and every single time they tried, they charge me XXXX dollars per time with out me authorizing the transaction. the bank is doing this fraudulent just to charge me return fees and profit themselves with my struggles, putting me in a worst financial crisis. there are XXXX XXXX return checks fee in one month just follow by every other day. I called the bank to discuss this issue but my conversation was fruitless. please, I urge Consumer Financial protection Bureau to thorough investigates Citi bank and refund me a total of {$250.00} dollars charge to my account as fraud. account number are as follow. ending in XXXX the XXXX credit cards belong to Citibank.
Product: Checking or savings account

On XX/XX/XXXX, I had sent a XXXX payment to the wrong person. When the person who was supposed to receive the XXXX payment notified me that he had not received the payment I looked in my XXXX inbox, where Chase stated that they had canceled the payment. Thinking that that was the reason why he had not received the money, I sent another payment to the wrong person on XX/XX/XXXX. When the person who was supposed to receive the money still had not, I looked and realized he gave me the wrong number to send the money to on XXXX. I filed a claim on XX/XX/XXXX ( Reference # XXXX ), which Chase denied because there were multiple payments to the same token address. Even though the reason there was multiple payments was because of their error, ( telling me that a payment was canceled when it was not ) I was never given the chance to explain the situation, they just closed the claim. I attached files that show the email Chase sent me saying they canceled the payment, the man who was supposed to receive the payment saying he never got it, and a screenshot of the man who was supposed to receive the payment 's balance which further supports that he never got it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a vehicle loan account taken off my credit as its stopping me from future purchases. The reason behind wanting it removed is because the account has been closed and all balances waived however its reporting to credit bureaus as past due XXXX and over 180 days late. I filed thru the credit bureas for a dispute however experian keeps saying account was updated but changing no information i even went as far as attaching the form that credit acceptance sent me showing its been credited amd now have a XXXX balance. I meed this taken off my credit as it should be so i can move forward this is in refrence to the credit acceptance collection woth XXXX  last reporting a balance around XXXX and showing 180+ days past due the account was waived so should be completely removed due to car being retuned due to dealer contract error
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently trying to purchase a vehicle and have security freezes on my credit with all three reporting agencies. I used the Experian website yesterday ( XX/XX/19 ) to lift my credit freeze temporarily and the site indicated this was successful. The dealership was still not able to access my credit score with Experian. I checked the website again today ( XX/XX/19 ) and it indicated that the freeze had been lifted, but again the dealership could not access the score. I called customer service and the agent said that he found the issue and would submit a form correcting it in 3-5 days. When I asked what the issue was he refused to tell me, saying it was nothing to worry about and would be fixed soon. I asked if it had to do with fraud or something that would impact my credit score and  he said it was something to do with a lender, but refused to say more. I asked why he could not tell me given that is pertaining to my credit information. He said that it was due to the policies of Experian. I think it is very troubling that Experian refuses to grant me information about my own credit record. This is my information, not theirs, and I can only think that they are trying to hide someone's mistake. These reporting agencies have far too much power and little competition. I have no choice but to allow them to have my personal and important financial information, but if I did have a choice I would revoke access from companies that do not protect my information or are not providing me full access and understanding of what is going on with my credit.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$580.00}
Product: Credit card or prepaid card

On XX/XX/2022 I requested a limit increase on my Apple Card. I was denied because I did not cover a significant portion of my monthly balance. My credit utilization at the time was less than 15 %. I know this adverse action was unlawful was because I know my rights as a consumer that I can not be denied an extension for my own credit. This card is used to get me through school and pay for books and this is causing mental anguish. XXXX also provided them a copy of my credit report without my permission.
Product: Credit card or prepaid card

I disputed 2 transactions so far with Capital one and it is unclear to me how exactly their dispute process work. In both instances, Ive been unsuccessful because apparently, I submitted the wrong documents, which Im still unclear what it was they were asking exactly. 
This complaint is regarding an XXXX booking where I only stayed for 6 hours and left because the place wasnt as described. The dispute process was started on XX/XX/2022 for the amount of XXXX. The original transaction was in the amount of {$610.00} however, I only received a partial refund from XXXX. I submitted all the required documents, as well as my exchanges with XXXX. According to the last agent ( a supervisor ) I spoke with about this case, I did not submit the proper receipt for my stay, which was an emailed receipt I received after booking the place. I was told that receipt wasnt accepted, and it was one of the reasons the case was dismissed. 

Prior to me speaking with this supervisor, I spent a couple of hours with another agent on XX/XX/2022 who took the time to actually look into the dispute. Once the agent learned that I only stayed at the XXXX for XXXX hours, she asked me to write a statement stating just that, because they have a policy where if I stayed for a full day, then my case would automatically be dismissed. As these calls are recorded, Im sure a recording of both conversations is available. I was expecting to win the case after submitting the statement as she had already reviewed all the previously submitted documents and everything seemed fine. To my surprise, I received a letter less than an hour after submitting stating that my case was dismissed because I did not submit the required documentation. 

There obviously is a disconnect within Capital Ones dispute department because I do not understand their process from asking me to submit a piece of documentation that is supposed help me win this case, to the said case being dismissed just an hour after submitting the requested documentation. My reason for submitting this complaint is just so that Capital One can enlighten me as to what exactly I missed and to also keep them honest because it looks to me that that they do not actually investigate any of the disputes I submit to them.
Product: Mortgage

Freedom Mortgage company is charged with sending any and all payments for my homeowners insurance in a timely manner from my escrow account ( which is current and in good standing ) to XXXX XXXXXXXX XXXX. While Freedom Mortgage claims payment was sent on XX/XX/XXXX, as of XX/XX/XXXX XXXX still has not received it and will terminate my policy as of midnight XX/XX/XXXX if not received. Freedom Mortgage has not agreed to contact XXXX to address this. They have had plenty of time and resources to send in payment much earlier to avoid circumstances that could lead to cancellation and they have been negligent and now not taking accountability for it. Very clearly I can do nothing to track down a payment I was not charged with making. 
Not one of my mortgage payments to Freedom Mortgage has ever been late or returned. Escrow is in good standing with plenty of funds. I'm still waiting for a follow up call from anyone at Freedom Mortgage that will make this right. And have heard from no one. I spent 40 mins on a phone call waiting to speak with someone and the customer service representative I eventually spoke to had no knowledge or authority to help me in any way.
Product: Payday loan, title loan, or personal loan

[ XXXX2020 ] RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : X- This revocation applies to any and all future debits. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally regarding my credit record. My review revealed late payment entries. I sent correspondence about this over 30 days ago but have received no response or adequate validation. I seek your help in addressing this issue.