23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax is frustrating the purpose of the XXXX XXXX Initiative and violating publicpolicy because they are refusing to remove a Withdrawn XXXX tax lien from my creditreport. 
Under the XXXX XXXX Initiative, XXXX if consumers pay their liens in full and the XXXXgrants a consumer a " Withdrawal of Filed Notice of Federal Tax Lien After Release '', CreditReporting Agencies are expected to delete the lien from consumer credit reports to provideconsumers with a fresh start. The new public policy was confirmed by all XXXX credit reportingagencies and their trade organization, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX, Vice President of Public Affairs for the XXXX, " I'veconfirmed that all three credit reporting agencies remove withdrawn XXXX tax XXXX. '' XXXX XXXX XXXX, XX/XX/2013, I obtained a Withdrawal of Filed Notice of Federal Tax Lien AfterRelease, and submitted the notice to XXXX, XXXX XXXX, and Equifax. See Exhibit A. XXXX and XXXX immediately deleted the federal tax lien from my credit reports. SeeExhibit B. Equifax however ignored the notice, refused to delete the lien, and determined thatthe lien would be reported as released and remain in my credit file for up to XXXX years. SeeExhibit C. 
In sum, Equifax is violating public policy and frustrating the purpose of the XXXX XXXX Initiative by refusing to delete the withdrawn XXXX tax lien from my credit report. Thankyou for taking this matter under consideration. Please let me know if you need additionaldocumentation.
Product: Mortgage

Requested possible solutions to avoid foreclosure. Opted to apply for a loan modification before trying a dead in lieu or short sale. 

I have never heard back from the Service Company about the Loan modification application, beyond requesting a form to be filled and signed for credit check. Filled, signed and sent in promptly. 

Receive letters from loss mitigation department, call get no response. Leave multiple messages asking for options other than foreclosure and outcome of loan modification application. Never get a return phone call from them. 

Received yet another letter from loss mitigation date XXXX XXXX, call and get no response. Shuffled into the same voice mail box, requesting options other then foreclosure and the status of the loan modification application. Receive certified mail informing of a foreclosure auction date for the end of the month. Letter was signed 2 days prior to the loss mitigation letter. 

I 've still never heard back about the loan modification application. From what I understand, they need to send a denial reason by mail, which was never received. From what I understand, they have to make a good faith effort to work something out when we are all looking for a better option than foreclosure. No return call or letters about the modification do n't sound like an effort on their part. 

All we want is to postpone the foreclosure date and work on another option with the Service Company. Short Sale, Deed in Lieu or traditional sale as the value of the home is hire then what is owed. Homes in this area sell fast and often well above asking price.
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. I told XXXX, XXXX, and Equifax to reinvestigate these account XXXX XXXX  ( Finance )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Vehicle loan or lease

Santander has  been randomly adding to my principal balance. This month it went up over {$700.00} I have a credit tool that will show this now and Ive called them about it in the past.     I have had my vehicle over  three  years and the payoff amount is only ~ {$2000.00} under the original balance due. Please investigate this company this is not something that should be allowed.     This is a link for a large number of people with similar or the same issue with Santander   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX The above company has placed an inquiry on my credit report. 
According to the FCRA, I am requesting a permanent removal of such inquiry. 
15 U.S.C. Code 1681 ( b ) Permissible purposes of credit report. 
I have not given consent to use my credit report, nor have I signed any written agreement to have access to my credit report in such manor.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PROFESSIONAL DEBT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PROFESSIONAL DEBT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/19 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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

I have been disputing the late payments showing on my account for Capital One Auto Fin which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Checking or savings account

On Monday XX/XX/2022, I received a handful of emails saying that a checking account had been created through Bank of America. My name and email was used to create the account. This activity was fraudulent, as I have no intention of creating a BOA account. I called BOA on XX/XX/XXXX and they submitted a ticket to have the account deleted.
Product: Credit reporting or other personal consumer reports

Dispute of Incorrect Accident Reporting on XX/XX/year> and XX/XX/year> Urgent Assistance Requested Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an error in my LexisNexis consumer report. An automobile accident that occurred on XX/XX/year>, has been incorrectly documented twice, with entries for XX/XX/year>, and XX/XX/year>. This duplication has caused my car insurance premium to XXXX, putting me at significant financial risk. 

While I understand that the accident may have resulted in an increase to my premium, the erroneous duplication has unfairly exacerbated the situation. 

To resolve this matter, I request your assistance in : XXXX. Investigating the reporting error with LexisNexis. 
XXXX. Ensuring the removal of the incorrect duplicate entry for XX/XX/year>, from my report. 

I have attached the following documents to support my request : A copy of my drivers license for identity verification. 
A copy of a recent credit card statement as proof of identity. 
My current insurance premium details. 

Please let me know if any additional information is required to expedite the resolution of this matter. I kindly request written confirmation once the error has been corrected. 

This situation has caused undue stress, and I trust the CFPB to act promptly to ensure accuracy and fairness in my report. 

Thank you for your attention to this urgent matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX I applied for the hamp program making home affordable. Webster Bank which is a federal government bank refused to honor the HAMP and offered this to others. 
The bank made me wait 2 years for a modification and didnt start as contracted. 

My interest rate prior to modification was 3 % they increase to 5.5. 
Also charged extra over XXXX for modification. Bank is reporting incorrect balance. I never agreed to pay addition XXXX XXXX The modification increased my interest rate and payments are increasing often. I dont agree to balance owed. The taxes only went up 120 in a year. 
Bank refused to fix or grant error back in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Checking or savings account

I talked to XXXX XXXX  told me I would have to write to Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am trying to get a bank card, I paid off my balanced, my business account needs to get made in the future for XXXX XXXX  deposits. I will not continue to use Citi or make an account for my business unless I can get a simple card. 

So Citi apparently requires use of XXXX according to XXXX XXXX, I ordered the second card on XX/XX/XXXX, I ordered the first card on XX/XX/XXXX, I have complained to CFPB before and been acknowledged by Citi executive office that they would not send XXXX to comply with their fiduciary duty. 


Very tired of games from Citi
Product: Credit card or prepaid card

I called Capital One to ask them what do they do to help people in the Covid 19 crisis which they state on their website and they informed me that they are postponing payments a month and there will not be any fees or interest charges if I choose to request that. I did and my date of next payment was supposed to be XX/XX/XXXX. The rep cleared my autopay and said this was the only way to be able to request that one month grace period they offered. I logged in to my account and saw I was charged a fee for not paying on time. And this was when they told me they are taking care of this. So much for helping people during this crisis- they are in fact shamelessly charging them more. I knew when someone says they are doing something it`s not to be trusted. Well, the one thign he did though was to cancel my autopay, but how come he did not follow through and do the whole thing he said he will. I would not have put myself in a position to owe anymore to them if I knew he will trick me into this. I request this fee to be reimbursed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX violated my rights under 15 U.S. Code 1666b which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I also never received a late payment letter from XXXX XXXX in the mail informing me ( the consumer ) that my account was late according to section 1637 ( b ). Therefore, please update the payment status on my report for XX/XX/XXXX to On Time as this account is at a XXXX balance. 

Thanks
Product: Vehicle loan or lease

Hello, I purchased a car, ( XXXX XXXX ) in XX/XX/XXXX. The price was {$17000.00} and I put down {$1500.00}. At the time I has just started a job after being laid off for a year and need a car badly. I have my payments automatically deducted out of my bank account, so they are always on time and I have not missed a payment. The payments are $ XXXX monthly. I have paid a total of {$16000.00} to date. I went online to see my payoff amount last year ( XX/XX/XXXX ) and it was approximately {$8000.00}. I asked if I could refinance the balance in hope of getting a lower interest rate and was told that they do not refinance. Ok, I continued to make my payments, diligently making sure the available funds were in my account. Hoping to pay off the loan early. I checked online again in XX/XX/XXXX and it was XXXX. Which I though was in error. I called and was told it was the interest. I called again yesterday and was told the new balance is {$11000.00}. After some back and forth with the rep that answered the phone, I asked to speak to a supervisor. Once the supervisor got on the phone, she said it was the interest rate. I asked how can I have a 5yr term loan if the balance is going in the opposite direction from where it should go. She again said it was the interest. I then said how can I have a maturity date with a policy like such. I told her I have had multiple car loans and I have never had the balance increase rather than decrease unless there was a missed payment. She said she car refer me to the President of the company and someone from his team will call me. I have not heard from them to date. I think however they are compounding their interest it is causing consumers to pay an extremely high cost even when they are making payments on time. I also asked if there was an office I could go and talk to someone and she said there was not office. I can not believe this is legal. The company is XXXX XXXX XXXX. I opened the account in XXXX, PA
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Im not sure how this person got ahold of my debit card but I received a text message from my bank wanting to verify a transaction, I call navy federal and explain that I am at home Im not using my card. Upon looking for my card while in the phone with a Navy federal representative the person was still using my card. The representative told me that she would block the card so the person would not be able to use it. I eventually started driving to the stores where my card was alerting me it was used. A cashier at the smoke shop on XXXX XXXX provided me with a description of the person using my card. I spotted the person and followed her to shell gas station 2 mins away on XXXX XXXX XXXX XXXX. I was able to get picture of the person and also take pictures of the license plate of the car she was driving. The charges total out to {$620.00}! I submitted a fraudulent ticket to Navy Federal and received a provisional credit, on XX/XX/XXXX I received a notification that the charge was not fraud, and the provisional credit will be reversed. I work very hard for my money, Navy federal is notorious for this behavior. As I explained to the rep, the card was still being used even after I canceled the card I get emails that that card was being declined. Im not sure how they conduct their investigations but they would have seen the pattern that this lady was using my card in stores where she didnt need a pin. And the 2 other stores she tried to use it at declined it because she didnt have a pin. I spoke to them directly. I have a police report with her pictures and her car pictures attached. This is very unfortunate that this is how navy federal treats their customers. 

Ive submitted to appeals, and they have denied both stating I did not provide enough information. If there calls are monitored and recorded, they would hear the conversation I had with the representative when my account was flagged for fraud. 

I submitted a valid police report and other supporting documents and they are still stating they did not have enough information. Im not sure what else they want me to provide. Ive called multiple times and attempt to find out what steps were taken in the ruling of denying my appeal and was informed that they can not provide me with a copy of the investigation.
Product: Debt collection

A formal cease and desist letter dispute was sent on XX/XX/year> Asking to confirm the validity of the alleged debt.
Product: Checking or savings account

Without prior notice or a clear explanation, my account was closed, leaving me bewildered and concerned about the rationale behind this decision. 

When I initially discovered that my account had been closed, I immediately sought to appeal the decision, despite not being provided any specific details about the reason for the closure. Unfortunately, my appeal was swiftly denied without any additional information or clarification. This lack of transparency is deeply troubling and has left me in a state of confusion and distress. 

Over the past few weeks, I have made numerous attempts to contact Wise for more information regarding the decision to close my account. Each time, I was assured that I would receive further details, yet no substantive information has been provided. The culmination of this ordeal occurred during a recent phone call, where I was met with a rude and dismissive customer service representative who informed me that the account closure was final and that I was permanently banned from using Wise. The representative mentioned that such decisions are typically based on account activity, despite my account having had no activity since XX/XX/XXXX. 

This entire experience has been deeply frustrating and disheartening. The lack of transparency and refusal to provide a clear rationale for the account closure raises serious concerns about the fairness and integrity of Wise 's decision-making processes. It is particularly concerning that decisions of this magnitude can be made without offering affected customers any form of explanation or recourse. 

The arbitrary nature of this decision, coupled with the lack of communication and the dismissive attitude of your customer service representative, makes me feel that I am being treated unfairly and potentially discriminated against. As a customer, I believe I have the right to understand the reasons behind actions that significantly impact my ability to manage my finances.
Product: Credit reporting or other personal consumer reports

I appreciate your time to read my complaint, Im complaining about the accounts, inquiries, and addresses in my credit report. This information in my credit file are resulted from identity theft, I need these to be removed immediately. This information reporting in my file are not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.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 Balance Owed : {$760.00} XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXXXX/XX/year> XXXX XX/XX/year>